Most people assume their home insurance covers them for a break-in. That's true. But only if your locks meet your policy's requirements. If they don't, the insurer may refuse to pay out, or reduce what they'll cover. It's worth understanding what they're looking for before something happens.

Where to find your policy requirements

Pull out your policy documents and look for a section called "security requirements" or "conditions of cover." It should list what locks you need on your front door, back door, and any other exit doors. If you can't find it, call your insurer and ask them directly. It's a straightforward question and they have to tell you.

BS3621 mortice locks

For timber front doors, insurers typically require a BS3621 5-lever mortice deadlock. This is the gold standard for wooden doors. You can identify one by looking for a keyhole on the door and a corresponding bolt hole on the door frame. The lock will usually have BS3621 marked on the faceplate or the key.

Many policies state specifically that a "5-lever mortice lock" is required. A 3-lever or 2-lever lock does not meet this standard, even if it looks similar. Check the lock itself if you're not sure.

Euro cylinders on UPVC and composite doors

UPVC and composite doors use a euro cylinder, which is the oval barrel you put your key into. Most policies now require these to be TS007 rated or equivalent. A standard cylinder doesn't meet this requirement.

If your UPVC door is a few years old and you haven't replaced the cylinder, it's almost certainly a standard one. They're fitted as default because they're cheap. TS007-rated cylinders cost more but they're what your policy is likely asking for.

How to tell what you have

On a mortice lock, look at the number of levers. Five levers is the requirement. On a euro cylinder, check whether there's any marking on the cylinder itself. TS007 or SS312 will be stamped or printed on a compliant cylinder. If there's no marking, assume it's standard.

If you genuinely can't tell, get a locksmith to look at it. It takes five minutes and removes the guesswork.

What I can do

I can check your locks and give you a straightforward written note of what's fitted and whether it meets standard requirements. That's useful when you're talking to your insurer, renewing your policy, or trying to work out what you need to change. I cover the whole Wirral, so call and we can arrange a time that suits you.