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Types of house locks

By Chris Torney

If you’re looking to save money on your home insurance, it’s a good idea to get the right locks fitted.

When you apply for cover, insurers ask what locks you have on any outside doors or patio windows.

In some cases, you’ll get a discount off the normal premium if your property has a higher degree of security. But beware that, in some areas, if you don’t have the right locks, you may struggle to get cover at a reasonable price.

Approaches vary among insurers, which is why it’s always a good idea to compare home insurance quotes from as many providers as possible.

Door locks

When applying for home insurance, in the quote process you’ll be asked what kind of locks you have on your outside doors to help providers assess your property’s security level.

There are four main options. If you don’t have any of these, choose “other lock type” – and consider getting your security upgraded.

Five-lever mortice deadlock

This is the standard deadlock, which offers moderate protection to the main doors in your home.

5 lever mortice deadlock 

Five-lever mortice deadlock conforming to BS 3621

If your deadlock conforms to the correct British Standard, your insurer will give you credit for a higher level of security, and you could get a discount off your premiums.

Deadlock mortice conforming to BS3621

Key-operated multi-point locking system

This is a rim-locking system that bolts the door into the frame and offers a higher level of security.

Key-operated multi-point locking system

Rim automatic deadlatch with key-locking handle

These offer extra security at night, allowing homeowners to lock their doors more securely from the inside.

Rim automatic deadlatch with key-locking handle

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