A good lock does far more than keep your front door secure. For many homeowners, the type of lock fitted can directly affect whether an insurance claim would be paid out after a break-in. The idea of an ‘insurance-approved’ lock is something people often hear when moving house, renewing their home insurance or upgrading old fittings — but what does it actually mean?

In the UK, insurers often specify that certain exterior doors, especially main entry points, must have locks that meet recognised security standards. If the wrong type of lock is fitted, you might find yourself facing a rejected claim when you need help most. Knowing what makes a lock insurance-approved helps you choose the right one and protects both your property and your peace of mind.

Understanding the British Standard
The term ‘insurance-approved’ usually refers to locks that comply with the relevant British Standards. For external doors, the most well-known is BS3621. This standard applies to mortice deadlocks and sashlocks that are key-operated from both sides. It means the lock has been tested to withstand common forced entry techniques such as drilling, picking or brute force attacks.

A lock certified to BS3621 will display the British Standard Kitemark. This small symbol, stamped onto the faceplate of the lock, shows that it has passed independent testing and meets the level of security most insurers want to see.

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