Rented properties with sub-standard locks. 

Last night I was called to replace a lock because the old one had failed. Both the landlord and tenant of the property were present which made life convenient when showing them that the old lock did not meet insurance standards. So, had the lock not failed, and at some point the property became another burglary statistic, the insurance company would not have had to pay out. If you are a tenant renting a property, make sure your landlord has insurance rated locks in place. If you don’t know what to look for, call a professional. Any decent locksmith will check for you free of charge or at least go through the signs with you over the phone. If you are a landlord, put insurance standard locks to all final exit doors of your properties and then use that as a selling point. It should be tax deductible, so why not do it?

Benefits of the three main types of lock at insurance standard (Or BS3621):-

• On a wooden door, you normally have a Night latch (Yale) type lock and/or a mortice (Chubb) lock. There are many brands but Yale and Chubb seem to be the ones people use most. Night latch; If you cannot see a kite mark, then it either needs replacing or there should be another lock on the door that does have a kite mark. A BS3621 rated Night latch will have a protective surround to the key hole, which when fitted correctly, will be reinforced by additional screws set into the inside of the door. This surround makes attack by drilling a lot harder. It has more pins than the standard cylinders making it a lot harder to pick and ‘bump’. It also automatically deadlocks when the door is closed, making sure nothing can be slipped between the door and frame to open it that way. They can also have a key operation on the inside, which means if a burglar breaks in through a window, he cannot carry anything out the easy way through your door (although whenever you lock it from the inside, you should be sure where the key is in case of fire). There is also a push button snib, which, while not an insurance requirement, does have its advantages as readers of previous blogs will be aware.

• The mortice lock; These are the ones I find to be most lacking on rented properties. If you look at the lock where it sits in the leading edge of the door, the absolute minimum requirement is that it is a five lever lock and it will usually say so. Sometimes the locks are so old and dirty, it is hard to see. Ideally it will have a kite mark which will bring it up to insurance standards. But beware, because I have come across a couple of instances where the faceplate of a five lever lock has been put on a lesser model. If anything looks mis-matched, then investigate further. If you remove the lock from your door, a genuine BS3621 will reveal the following features – The bolt itself will have some sort of anti-saw feature. This may either be rollers running through it or a compound designed to stick to a hack-saw blade (you can tell this by the bolt having alternate layers of metal and black material. You will also find an extra thickness of metal. This is an anti-drill plate that hinders even the best drill bits. Around the top of the key hole you will find a tube that goes through the lock. This is called an anti-pick curtain that prevents lock picks being used. Also inside they have ‘traps’ that also hinder anyone trying to manipulate the levers. In the break ins I have attended where these locks were fitted, the door and frame have always failed before the lock and that is why they are so good.

• UPVC doors and ‘composite’ doors usually have a Euro cylinder lock. For those who have not read my previous blogs, despite all the hooks, rollers and shoot bolts that go with these doors, it has been demonstrated by the BBC and West Yorkshire police that if you have a standard Euro cylinder lock barrel on these doors, then an intruder can get into your home in just 39 seconds with no power tools at all. That’s less time than it takes some people who have keys, to get in after a night out! It is here that you need to check your insurance policy carefully because BS3621 rated cylinders have only been around for a short time. If your insurance states a five lever lock, it is NOT referring to the amount of hooks and bolts and rollers on a UPVC door. Five levers is regarding a mortice lock. (See above). But if your insurance states BS3621 on all final exit doors then each lock must at the very least display a kite mark and for these locks you will see it just below the key hole. The standard cylinders are held in by a single screw and the metal around them is very thin, making them easy to snap if you know what to do. So, even if your insurance does not require BS3621, you should change these locks as a matter of personal piece of mind.But even within these locks there are various levels of strength. The ones I prefer to use have the top ranking and I have yet to see them in the shops. I use them for the following reasons. The easiest way to get past the standard style of Euro cylinder is to snap it (possible with the correct tools) and even the so called ‘anti-snap’ products have been shown to break if enough force is applied  – remember the burglar is not worried about damage to the door itself. While the anti-pick and anti-drill features of the kite marked euro-cylinders are better than the standard, the lock I use has a dimpled key and this design makes everything harder. It also prevents ‘bumping’ and therefore just about every type of attack the burglar employs is rendered almost useless. I say almost useless because at the end of the day, a very determined burglar will always find a way in, but they know as soon as they see this lock it going to be hassle and therefore are more likely to move on to the next easier target.

Away from insurance issues, if you have a UPVC door that only has rollers to engage when you lift the handles, then this also needs looking at. Rollers can be popped out of position by someone who knows how, so upgrading to a mechanism that has hooks or good size bolts is also something that should be considered.

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Thanks for reading.