Can High-Security Locks Lower Your Insurance Premiums?
When it comes to home security, locks are your first line of defence. But beyond protecting your property from burglars, can investing in high-security locks actually save you money on your home insurance premiums? The short answer is yes, in some cases.
Let’s break down how insurance companies view high-security locks and why upgrading could be a smart move for both security and your wallet.
Why Do Insurers Care About Your Locks?
Insurance companies assess risk when deciding your premium. The more secure your property, the less likely you are to make a claim. Locks play a huge role in this assessment because most burglaries happen through forced entry at doors and windows.
If your locks meet (or exceed) your insurer’s requirements, you may qualify for lower premiums or, at the very least, avoid having your cover reduced or invalidated.
What Counts as a High-Security Lock?
Not all locks are treated equally by insurers. Here are the types of locks that are commonly recognised as insurance-approved:
BS3621 Mortice Deadlocks: Standard for wooden doors; the British Standard kite mark proves they meet strict testing.
Multi-Point Locking Systems: Typically found on uPVC and composite doors, securing the door at multiple points with one key turn.
Anti-Snap Cylinders: Designed to prevent “lock snapping”, a common burglary method.
Smart Locks with Accreditation: Some insurers now accept certified smart locks, provided they meet British Standards.
Will They Lower My Premium?
Upgrading to high-security locks won’t always guarantee a discount, but insurers often:
Offer lower premiums for homes with British Standard locks fitted.
Refuse claims if locks don’t meet their requirements after a break-in.
Reward secure homes with better policy terms and less chance of disputes.
Even if the premium reduction is small, the real savings could come from avoiding rejected claims or the financial fallout of a successful burglary.
Bonus Benefits of High-Security Locks
Beyond insurance, stronger locks mean:
Greater peace of mind for your family.
Stronger deterrence against burglars.
Compliance with police and MLA (Master Locksmiths Association) recommendations.
How Midlands Locksmiths Can Help
At Midlands Locksmiths, we supply and fit a wide range of insurance-approved, high-security locks around Coventry, Leicester and the West Midlands. Whether you’re in Leicester, Coventry, or the surrounding areas within the West Midlands, our MLA-approved locksmiths can help you upgrade to BS3621 deadlocks, anti-snap cylinders, or multi-point locking systems, ensuring your property stays secure and fully compliant.
- Insurance-approved locks fitted professionally.
- Emergency lock replacement if your keys are lost or stolen.
- Security checks to ensure your home meets insurer standards.
Contact us today to book your lock upgrade and discover how enhanced security can also lead to lower insurance costs.