Most home insurance claims are paid — but the ones that get refused often come down to the same thing: the home didn't meet the security conditions in the policy. Since only a small share of claims are burglaries, it's easy to overlook, right up until you need to claim. Here's how to make sure your locks won't cost you a payout.
Why burglary claims get refused
- No sign of forced entry. Many policies only pay out if a burglar forced their way in. If they walked through an unlocked door or window, the claim can be denied — so always lock up, even when you're home.
- Locks don't meet the policy. Standard policies often require specific locks; if yours fall short, cover can be void.
- Keys left in or near locks. A key in the door, or hooked through the letterbox, can be treated as negligence.
What insurers usually expect
Read your policy, but the common requirements are: BS3621 five-lever deadlocks on final exit doors, key-operated locks on accessible windows, and a properly secured shed or garage. On uPVC and composite doors, insurers increasingly expect anti-snap cylinders. Reassuringly, most of this is quick to sort — window handles and locks can be replaced on their own, without a whole new window or door.
A cheap way to protect a big payout
Bringing your locks up to standard is inexpensive next to the value of the cover it protects — and it's a strong deterrent in its own right. If you're not sure whether your doors and windows meet your policy, we can check and upgrade them. We're local, independent locksmiths covering Southampton and the Solent — get in touch and we'll make sure you're covered.