The Key To Your Security Is Your Lock

The Key to Your Insurance Claim is your Lock!

Most insurers are strict when it comes to demanding you have certain locks on all the doors that lead from your property to the outside. Most of us however, pay little attention to the type of lock we have fitted and come a cropper when it’s time for us to claim. If you are confused about locksmith jargon, then read on for an explanation.

The Five-lever Mortice Deadlock

This is the most commonly requested lock needed for doors giving access to outside areas. Commonly known by its original brand name, the Chubb, this key is typically long with a uniquely cut key part at the end. The lock mechanism is set into the door and is almost impossible to pick or break. This lock is graded and the type recommended by insurers is the BS3621 2007. If your lock was fitted after 2007 then chances are you have the right lock for insurance purposes. However it’s worth having your lock checked by a professional if your property was built or renovated before this time. Another point worthy of note is that some insurers will offer clients a discount of 5% if your doors are fitted with the five-lever mortise lock.

The Rim Deadlock

The rim deadlock is attached externally to a door and not built into the timber. It resembles a metal box. Insurers stipulate that this lock should be lockable from the inside of the premises in order to stop burglars from making a hasty exit, should they enter from another door. The key itself is similar to the five-lever mortice lock in appearance.

The Key-Operated Mortice Rack Bolt

This lock is the one frequently asked for on your garden or patio doors. It comprises of a long tubular piece that is twisted in the lock and which then sends out a stud into the timber surrounding the door. You should have a mortice rack bolt on the top and bottom of your door for maximum security.

The Multi-Point Locking System

Again, this is a locking system commonly found on patio and garden doors. It is a lock that usually has a door handle attached to it and the locking mechanism is inserted into the surrounding parts of the door. When the key is turned it shoots out ‘claws’, bolts or rods into multiple places.

Do read the small print of your insurance claim to avoid a costly headache in the future. If you’re in any doubt about whether you have the right locks, give us a ring on 020 8392 2233.