Security made simple

You may have heard of insurers referring to minimum security, but what is it and when do insurers require it? Locks that would comply with minimum security to all final exit doors for most insurers would include; approved to British Standard (BS3621). 

To check if your doors are BS3621 approved, open your door, within the frame of the door on the lock you should find a Kite Mark which looks like a heart shape with a horizontal line and ‘S’ through it and it will clearly state ‘BS3621’.  If you find this, it would indicate your lock would be approved to British Standard.

Multi-point locking system, these locks are normally associated with UPVC doors.  To check if your door is multi-point, once again open your door, lift the handle and turn the key, you should see within the frame of the door 3 or more bolts that extend in a row down the frame of the door. If you find this, it would indicate your door has a Multi-Point Locking System.  5-lever Mortice Deadlock, is a lock that is operated by a key only and does not have a latch to be used with a door knob or lever handle.

Insurers may require your property to have an alarm, this will not be a DIY alarm, this will normally be an approved and maintained alarm, for example a NACOSS alarm.

Insurers will not expect all properties to comply with full security, there are further factors such as, if your property is in a high-risk theft area, if you have made theft claims at your risk address, or if you have a high contents sum insured and high valued items. If you do comply with minimum security, as well as the benefit and peace of mind of your home being more secure, you will normally receive a discount for having increased security at your home.

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