Property Insurance – What Does “British Standard” Mean for Locks?
As insurance brokers, we’re often asked what makes a lock “insurance approved” and more often than not, the answer starts with whether or not it meets a British Standard. When we refer to a lock being British Standard approved, it means it has been rigorously tested for strength, security, and durability, and meets criteria set by the British Standards Institution (BSI). These locks are designed to withstand common forms of attack such as drilling, picking, and forced entry. From an insurance perspective, having the right lock in place isn’t just about security – it’s also about policy compliance. Many home and commercial property insurers require locks to meet specific standards as a condition of cover.
Key British Standards for Locks
Here’s a quick summary of the most common British Standards relating to locks, and where they’re typically used:
| Standard | What It’s For | Commonly Used On |
| BS3621 | Key-operated lock from both inside and outside | Wooden doors (front and back entrances) |
| BS8621 | Key-operated from outside; non-key egress from inside | Flats and shared buildings (fire safety considerations) |
| BS10621 | Lockable from the outside, with key-lock override inside | Residential doors – extra security when at home |
| TS007 (1-3 star rating) | Rating system for Euro cylinder locks | uPVC and composite doors (multi-point locking systems) |
How Can You Identify a British Standard Lock?
When reviewing your locks or arranging insurance cover, here’s what to look for:
- The British Standard Kitemark this is a small heart-shaped symbol with a tick inside, typically stamped onto the lock face or case.
- The certification code for example, BS3621:2007. This is often found alongside the kitemark and indicates the exact standard version.
If a lock doesn’t carry this marking, it may not meet insurer requirements and this could affect your cover or result in a claim being reduced or declined.
Why Do British Standard Locks Matter for Insurance?
Policy Compliance – Insurers will often specify minimum lock standards as part of their terms and conditions. BS3621 locks are the most commonly required for external doors on homes.
Improved Security – Locks that meet British Standards have been tested against common burglary techniques, offering enhanced protection for your property and peace of mind.
Claims Validity – If a break-in occurs and the correct locks aren’t in place, some insurers may refuse a claim or reduce the payout. Ensuring the right locks are fitted is a simple step to prevent complications later.
Our Advice
If you’re unsure whether your locks meet current standards, we strongly recommend a review – particularly when renewing your insurance or purchasing a new property. This is especially important for landlords and business owners, where the risk exposure and compliance requirements may be higher.
We’re always happy to help clients review security requirements and liaise with insurers to ensure the correct locks are in place and policies remain valid.
Need guidance or want to check if your locks are compliant? Just get in touch -we’re here to offer advice, support, and clear direction on all things insurance.
Further Reading
If you own, let or manage flats or apartment blocks, you may also find these guides useful:
