In this guide, we’ll cover everything you need to know about insurance-approved door locks in London, why they matter, and how to select the best one for your home or business. By the end, you’ll be equipped to make an informed decision and protect your property effectively.
Why Insurance-Approved Door Locks Matter in London
London is a bustling city with high property density, making homes and businesses potential targets for opportunistic burglars. Insurance companies take this seriously, requiring certain standards for locks to reduce risk.
Risks of Non-Compliance
- Claim rejection if your door lock doesn’t meet the insurer’s requirements
- Increased vulnerability to burglary
- Legal or contractual issues with lease agreements
- Reduced property value due to security concerns
Investing in insurance-approved locks not only ensures your coverage but also provides peace of mind that your property is secured to a professional standard.
- Understanding BS3621 and Other Standards
When discussing insurance-approved locks in the UK, the BS3621 standard is the gold standard.
What Is BS3621?
BS3621 is a British Standard specifying requirements for locks to be considered theft-resistant. These locks are designed to withstand forced entry techniques common in burglaries.
Key features of BS3621-compliant locks include:
- 5-lever mortice mechanism
- Hardened steel components
- Anti-drill plates
- Tamper-resistant design
Tip: Always check the Kitemark or certification label to ensure your lock meets BS3621.
- Types of Insurance-Approved Door Locks
Insurance companies generally accept the following locks for residential and commercial properties:
5-Lever Mortice Locks
- Ideal for wooden doors
- BS3621 approved
- Extremely durable and resistant to forced entry
Anti-Snap Euro Cylinder Locks
- Best for uPVC and composite doors
- TS007 3-star rated
- Resistant to snapping, drilling, and bumping
Multi-Point Locking Systems
- Common on modern composite doors
- Locks engage at multiple points along the door frame
- Provides additional insurance compliance and security
Night Latches
- Useful for secondary doors
- Should always be used with a BS3621 lock on the main entry
- How Insurance Companies Assess Door Security
Insurance providers consider multiple factors when approving a lock:
- Ground floor vs upper floor doors: Ground floor doors are more vulnerable and often have stricter requirements.
- Door material: Wooden, uPVC, and composite doors have different lock compatibility.
- Lock quality: Only certified, tested locks are accepted.
- Professional installation: Incorrectly fitted locks may void compliance, even if the lock itself is approved.
Being aware of these factors helps you meet insurer requirements while improving overall security.
- Anti-Snap, Anti-Bump & Anti-Drill Protection
What Are Anti-Snap Locks?
Lock snapping is a common burglary method, particularly in urban areas like London. Low-quality euro cylinders can be broken in seconds.
Insurance-approved locks should have:
- Anti-snap protection
- Anti-bump protection
- Hardened steel pins (anti-drill)
- TS007 3-star rating
Secured by Design certification is an added mark of quality recognized by UK police and insurers.
- Smart Locks and Insurance Compliance
Smart locks are increasingly popular in London for keyless access, temporary codes, and remote entry. But are they insurance-approved?
- Some smart locks meet TS007 3-star standards and are accepted by insurers.
- Key considerations: backup physical keys, proper installation, and certified security features.
- Ideal for rental properties, Airbnb hosts, and modern offices.
While smart locks offer convenience, traditional BS3621 locks are still the gold standard for insurance compliance.
- Common Mistakes to Avoid
Many property owners unknowingly compromise insurance compliance. Avoid these pitfalls:
- Using low-cost, uncertified locks
- DIY installation that weakens the lock’s effectiveness
- Ignoring insurer guidance on required lock types
- Relying solely on secondary locks like night latches
- Failing to update old locks after moving into a new property
Ensuring your locks are certified and professionally installed protects both your property and insurance claims.
- Professional Installation: Why It Matters
Professional locksmith installation is more than convenience—it’s critical for compliance.
Benefits of Professional Installation
- Proper alignment and secure fitting
- Maintains BS3621 or TS007 certification
- Reduces risk of voided warranties
- Ensures insurance requirements are met
DIY installations may save money upfront, but professional fitting ensures long-term security and compliance.
- How to Check Your Locks Are Insurance-Compliant
Step 1: Identify Lock Type
Check if your lock is a BS3621 5-lever mortice, TS007 3-star euro cylinder, or multi-point system.
Step 2: Verify Certification
Look for:
- Kitemark
- TS007 3-star rating
- Secured by Design approval
Step 3: Consult Your Insurer
Insurance policies may specify lock types and installation requirements.
Step 4: Inspect Installation
Ensure locks are correctly fitted and functional. Professional locksmiths can provide certification for peace of mind.
Comparison Table: Common Insurance-Approved Locks
| Lock Type | Best For | Insurance Approved | Key Features | Approx Cost (London) |
| 5-Lever Mortice | Wooden doors | ✅ BS3621 | Hardened steel, anti-drill | Medium |
| Anti-Snap Cylinder | uPVC doors | ✅ TS007 3-star | Anti-snap/bump/drill | Medium |
| Multi-Point Lock | Composite doors | ✅ BS3621/TS007 | Multi-point locking | Medium-High |
| Night Latch | Secondary doors | ✅ BS3621 (paired) | Additional security | Low |
FAQ Section
Do all insurance companies require BS3621 locks?
Most UK insurers require BS3621 for main entry doors. Always check your policy for specific guidance.
Can smart locks be insurance-compliant?
Yes — if TS007 3-star rated and professionally installed with backup keys.
How do I know if my lock meets insurance standards?
Look for certification marks, consult your insurer, and consider a professional locksmith assessment.
What happens if I file a claim with a non-compliant lock?
Your claim may be denied, leaving you financially responsible for losses.
How often should I upgrade locks for insurance purposes?
Every 10–15 years, after moving into a new property, or after a break-in attempt.
Final Thoughts: Protect Your London Property
Choosing the right door lock is essential for both security and insurance compliance. For most London homes and businesses:
- BS3621 5-lever mortice locks (wooden doors)
- Anti-snap euro cylinders (uPVC/composite doors)
- Multi-point systems (modern composite doors)
…provide the best combination of protection and insurer approval.
Smart locks can complement these systems but should always meet certification requirements. Professional installation ensures maximum security and compliance with insurance policies.
Take Action: Upgrade Your Locks Today
Don’t leave your London property at risk. Upgrade to insurance-approved door locks today:
- Reduce burglary risk
- Ensure insurance compliance
- Protect your property and assets
- Gain peace of mind
Speak to a certified locksmith for advice, installation, and a property security assessment. Your safety starts at the door.