Locks and Insurance standards explained

Which lock?
While some of the following may sound obvious to some readers, I do still come across many instances where I am asked the questions I will answer here and hope that everyone finds at least some of it interesting.

Firstly, the three most common types of lock;-

1. The Rim cylinder, often referred to a “Yale” type lock. This usually has a circular housing on the outside of the door, with a mechanism on the inside that is operated by a knob or lever, called a “nightlatch.”
2. The mortice lock, often referred to as a “Chubb” lock. This lock is positioned into the door with a key hole on both sides. It can be just a key operation, in which case it is called a “mortice deadlock”, or it can have a latch as well, with door handles – In this case it is called a “mortice sash-lock.” The keys are usually cylindrical with a square piece on the end into which is cut the shape that will match the levers inside.
3. The Euro-cylinder. This is found on upvc, composite (wood effect), aluminium and a very few wooden doors. The key is similar to the rim cylinder, the lock barrel is shaped as a circle with a rectangular piece coming down. There are oval versions of this but they are not common in Norfolk.

BSI and insurance standards.
If your door only has a rim cylinder and it is your door of final exit, then it must have a BSI kite mark to satisfy most insurers. This means it should have an automatic deadlocking system. You can identify this system by looking at the nightlatch. Where the latch part comes out, you will see a smaller spring loaded protrusion. As the door closes, this strikes the keep and makes the latch shoot out further and makes a barrier that stops burglars “slipping” the lock to gain entry. Often these also have a key hole on the inside to lock the nightlatch, making it impossible to open the door using the lever. This means that if a burglar breaks into your home through a window, they still cannot take large items out the front door. Finally, around the front of the key way on the outside of the door, a strong housing over the disc will deter drilling attempts.

If your door is protected by a mortice lock, then it must be a five lever mortice lock. You can get two and three lever mortice locks but these should only be used for internal doors and cupboards. A BSI kite marked five lever mortice lock will have certain features that are not obvious or even seen. Firstly, there is the anti-pick curtain. This sits just inside the hole where the key goes in. It stops standard lock-picking procedures. You will not see the anti-drill plate which is an extra piece of metal on both sides that protects the internal working parts from attack via drilling. Standard drill bits will blunt before getting through these. The bolt will be hacksaw protected by either internal rollers or a thick rubbery material that grips the saw blade. The keep that sits in the frame of the door, will be deep and fully metal. These locks are so strong, if the door is forced, the door, frame or both will normally split before the lock gives.

The Euro cylinder on upvc doors is the only lock that, so far, does not have to have a BSI kite mark to satisfy most insurance companies. When your insurance company asks if you have a five lever lock, they are NOT referring to upvc doors – this is a very common mistake. We believe every upvc door should have a kite marked euro cylinder as it has been shown several times that they are easy to attack in several ways. BBC West Yorkshire have shown it is possible to break in, with no power tools, in less than a minute, regardless of the amount of hooks, rollers and bolts on upvc or composite doors.
There are many ways to help ensure standard cylinders are harder to attack, but investing in a kite marked cylinder and more robust handles is, in our opinion, the best way to go. Sooner or later, the insurance companies are going to start calling for improved cylinders on upvc doors anyway, and at that point, the cost is likely to go up.

Many people are unaware that upstairs windows require locks by most insurance companies as well. These are often cheap and easy to fit, but it is always worth an assessment by a locksmith to make sure you have the best, or even to see if there are any locking designs that are more aesthetically pleasing than the bulk standard held in DIY stores.

Also, many people do not realise that most good locksmiths will also be willing to fit security lights and alarm systems. With wireless technology, these are now getting just as easy to fit yourself, but again, for more in depth security, a locksmith or alarm specialist should be consulted.

Should you have any questions about your particular locks, home security or anything in our blogs, please do not hesitate to contact us via the contacts page, or, by calling  07846 643176.

Thanks for reading.