Many homeowners assume that because their door locks work, they automatically meet their insurance company's requirements. Unfortunately, that isn't always the case.

If you're unsure whether your locks are insurance approved, it's worth checking. The last thing you want is to discover a security issue after making a claim.

What Does Insurance Approved Mean?

For timber doors, insurers often look for locks that meet the BS3621 British Standard.

These locks are independently tested for:

• Security
• Durability
• Resistance to attack

A genuine BS3621 lock will normally display the British Standard Kitemark on the faceplate. If you have a timber front door, Choosing the Right Lock for a Wooden Front Door explains which locks are commonly recommended.

What About uPVC and Composite Doors?

Most uPVC and composite doors use multipoint locking mechanisms rather than traditional mortice locks.

In these cases, insurers generally expect the door to have:

• A functioning multipoint locking mechanism.
• A lock operated by a key from outside.
• Secure locking points engaging the frame.

Many modern doors meet these requirements, but older doors may benefit from a lock upgrade.

Check Your Lock Cylinder

The cylinder is often the weakest part of a uPVC or composite door.

Older cylinders may lack protection against:

• Lock snapping.
• Drilling.
• Picking.
• Bumping.

Upgrading to a modern snap-resistant cylinder can significantly improve security and bring the door up to modern standards. If your locks are older, Upgrading Older Wooden Door Locks for Better Security and Home Security Improvements That Don't Cost a Fortune explain how relatively small upgrades can make a significant difference.

Is Your Lock the Correct Size?

A lock that protrudes too far beyond the handle may create a security weakness.

I've attended many homes where the cylinder was the wrong size despite the door itself being perfectly secure.

A correctly sized cylinder should sit as close to flush with the handle as possible.

Security Handles Can Help

Many modern doors benefit from TS007 security handles.

When combined with a 1 Star snap-resistant cylinder, they achieve a TS007 3 Star security rating and provide enhanced protection against common attack methods.

Don't Forget the Door Condition

Even the best lock won't perform properly if the door is out of alignment.

Insurance-approved hardware still relies on:

• Correct door alignment.
• Working hinges.
• Properly positioned keeps.
• A functioning multipoint mechanism.

If the door is difficult to lock, catches the frame or requires force to operate, it should be inspected. Repair vs Replace: What's Best for Your Door? explains why repairing the underlying problem is often better than simply replacing parts.

Common Signs Your Security Needs Reviewing

Arrange a security check if you notice:

• Stiff keys.
• Difficult locking.
• Loose handles.
• Old cylinders.
• Locks protruding beyond handles.
• Doors that have dropped.
• Missing or damaged locking points.

These issues don't automatically mean your lock isn't compliant, but they do indicate that your home security may benefit from a review. If your locks are beginning to show their age, Signs Your Lock Is Wearing Out explains the warning signs to look out for.

Moving House?

If you've recently moved into a property, it's worth considering a lock change regardless of the lock type fitted.

You have no way of knowing:

• How many keys exist.
• Who may still have copies.
• Whether the current locks are the correct size.
• Whether the cylinders offer modern security protection.

For this reason, Moved Into a New Home? Consider a Lock Change and Should You Change Locks After Losing a House Key? both explain why replacing the locks is often one of the first jobs new homeowners carry out.

Security and Peace of Mind

Insurance-approved locks are important, but so is ensuring the entire door operates correctly. A well-aligned door with quality locks, secure handles and a properly functioning multipoint mechanism provides both improved security and peace of mind. If you're unsure whether your current locks meet modern standards, What Happens During a Professional Lock Change? explains what to expect when upgrading your home's security.