Insurance Rated Locks

Certified Security You Can Trust

Insurance rated locks are high-security locking mechanisms that meet the standards required by UK insurance providers, typically conforming to BS3621, BS8621, or BS10621 certifications. These locks undergo rigorous testing to ensure resistance against forced entry, making them ideal for securing external wooden doors in residential and commercial properties.

Most commonly available as 5-lever mortice deadlocks or sash locks, insurance rated locks ensure compliance with home insurance policies and provide peace of mind for homeowners. They are also often required in rental agreements and security audits.

🔐 Key Features

• Complies with British Standards (e.g. BS3621)

• 5-lever locking mechanism for enhanced resistance

• Suitable for external timber doors

• Accepted by most UK insurers

• Available in deadlock and sash lock types

❓ Frequently Asked Questions

Q: What makes a lock “insurance rated”?

A: Insurance rated locks comply with British Standards such as BS3621, which require a 5-lever mechanism and anti-pick, anti-drill features for enhanced protection.

Q: Do I need an insurance rated lock for home insurance?

A: Most UK insurers require BS3621-certified locks on all external doors. Always check your policy documents for specific requirements.

Q: What’s the difference between BS3621, BS8621, and BS10621?

A:

• BS3621: Key-operated from both sides – most common for external doors.

• BS8621: Key outside, thumb turn inside – ideal for flats and escape routes.

• BS10621: Key outside and inside, but internal lock-off – used for additional safety settings.

Q: Can I retrofit a BS3621 lock onto an existing door?

A: Yes, but it may require some carpentry to ensure proper fitment. Always follow manufacturer guidance or consult a qualified locksmith.

Q: Are BS3621 locks available in different finishes?

A: Yes. You can find them in polished brass, satin chrome, black, and other finishes to suit your door furniture.