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Insurance and Locks in the UK

If you have recently changed your external doors, your front door or back door, you will have had to put locks on them. Did you use your old locks or did you buy new one either way are these locks insurance approved? Do they mean the terms and condition set out in your home insurance documents? � You may or may not have locks on your internal doors but your external doors are a different matter. Not only must they provided security for your home they must pass your home insurance requirements. This does not mean expensive locks, even expensive locks may not necessarily pass insurance requirements. � To do this all lock on the “final exit door” but comply to BS (British Standard) 3621 which the latest standard is BS3621:2007=A1:2009. � An exit door is defined as a external door that leads to an area that can not be made secure, this would include an internal door that opens onto your garage as well as your front door. � The types of lock that are available that would comply to BS3621 are mortice or rim locks. These locks will be 5 lever and be deal locks as well. Mortice lock are fitted inside the door edge and so the mechanism is inside the door itself, while rim lock are attached to the outside of the door. � If for some reason you can not fit BS 3621 lock to an external door, you may use a mortice or rim dead lock with either two mortice rack bolts fitted top and bottom or key operated surface mounted bolts fitted top and bottom. This exception does not apply to your final exit door. � Please remember that all insurer’s are different and their specific requirement may differ so do check with them to be sure you are complying to their terms and conditions.

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