Insurance Security Compliance

A Locksmith's Guide to Insurance Security Compliance

Stay Compliant. Stay Covered. Stay Secure.

Your home insurance policy may demand specific security measures — but are your locks really up to standard? Outdated policy wording can leave you confused and under-protected.

CraftLock is here to help you understand, meet, and exceed insurance security requirements, while also strengthening your home’s real-world defence against burglary.

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Understand the Small Print — Avoid Big Problems

What Does Your Insurer Actually Require?

You must always be guided by the written agreement you have with your insurer and whatever policy documentation they provide you. Unfortunately the wording of policy documents is often out-dated and often fails to differentiate between traditional wooden doors and modern door locking types.

Wooden Door Requirements:

The “Five Lever Deadlock” Standard

For traditional timber front or back doors, insurers typically require one of the following: A 5-Lever Mortice Lock or a 5-Lever British Standard Mortice Lock (BS3621 or BS8621).

🔑 How to Check: Look at the metal faceplate on the edge of your door. If it’s marked “2-lever” or “3-lever,” your lock is not insurance compliant and needs upgrading.
A British Standard lock will usually show a heart-shaped BS kitemark logo — a clear sign of compliance.

💡 Note: Upgrading a mortice lock often requires detailed woodwork and takes 1–2 hours. Our locksmiths carry out this work to a high standard, ensuring a clean and professional finish.
Nightlatches: Only Modern British Standard Nightlatches May Comply
If your door is secured only with a nightlatch (Yale-style latch lock), you may still fall short of compliance.

Only certain high-security British Standard nightlatches are accepted by some insurers — but always double-check your insurer’s position, as this is still not a mortice lock.
uPVC and Composite Door Security:

Multi-Point Locking Systems

uPVC and composite doors don’t use mortice locks. Most insurance policies will refer to “multi-point locking systems” — and may require a specific number of locking points (e.g. 3 or 5).

🔑 The Cylinder Isn’t Always Considered: Ironically, your insurer might ignore the lock cylinder, even though it's the most common point of attack.

A British Standard or even anti-snap cylinder may not be required for insurance compliance — but it is absolutely essential for real-world security.
Don’t Overlook Your Window Locks
Many insurance policies require all accessible windows to have key-lockable handles. Some escape windows (usually upstairs) may use push-button mechanisms instead.

No keys? We can cut replacements or replace handles with new keyed versions.

Always remove the key and store it out of sight — burglars have been known to smash glass just to reach and turn the handle.
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Meet the Minimum — Then Strengthen the Rest

Insurance Compliance ≠ Real Security

Even if you’ve met your insurer’s checklist, your home may still have critical vulnerabilities like:
  • Cheap lock cylinders on uPVC doors can still snap in seconds.
  • Old multi-point locking strips may no longer align or engage fully.
  • Timber doors may lack frame reinforcement or hinge security.

That’s why CraftLock recommends a full home security survey to identify real threats — not just tick boxes.

Security Upgrades

Recommended Security Products

5-lever door lock fitting

5-Lever Mortice Locks

These British Standard locks are insurance compliant and high strength

British Standard Safety Nightlatch

Nightlatches (BS8621)

Recommended as a secondary security on timber doors

Anti-snap lock example

Anti-Snap Cylinders

Diamond or TS007 3-Star rated anti-snap locks offer greatest protection

Sash stoppers on window

Sash

Jammers

An additional lock for reinforcing vulnerable uPVC doors & windows

CraftLock - window lock repair

Keyed Window Handles

Essential for insurance compliance and important window security

CraftLock - 5-lever door lock fitting
CraftLock - Ultion lock fitting
CraftLock - secure gate lock fitted
Solihull customer front door lock replaced
Birmingham locksmith customer new door lock
Expert Guidance for Insurance Compliance

Popular Security Packages

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Customer Q&As

See Our Frequently Asked Questions

FAQs
3 Simple Steps: Professionally Protected

A Full Property Service

01

Contact Us

Contact our team to discuss your security needs by calling or sending a WhatsApp message to 07548 989 151. Or simply email us at: service@craftlock.co.uk for a free quote.
02

Free Quote & Survey

All customers in East Birmingham and Solihull can take advantage of our free locksmith security survey. Whatever quotation process you prefer, we are flexible to your needs.
03

Satisfaction Guaranteed

A written quote will be provided to you for sign-off before we begin any work. Our prices are always "all-in", meaning you can trust there will never be any hidden extra charges.
How to Get the Most From Your Locksmith Service:
  • Check the security of all entry points, including side doors, patio doors, garage entrances, and windows.
  • Take photos of your doors and locks now. In an emergency or security query, sending these to your locksmith means you’ll get faster, more accurate help.
  • Don’t wait until a burglary to act — make preventative upgrades that exceed insurance security compliance requirements for real-world protection.
  • Send photos to the locksmith and explain if you have specific security needs (including any difficulties operating doors and locks).
Call Us Now For Emergency Repairs or Preventative Upgrades – A Fast Response When You Need It Most

07548 989 151

Trust & Reliability

Why Choose CraftLock?

We make property security simple for you. No middlemen, call centres, or subcontractors— just honest, high-quality security work tailored to your needs, delivered by a fully qualified locksmith you can trust.
  • Local and personal service with fast response times
  • Vetted, inspected, and approved by the Master Locksmiths Association
  • Highly rated by customers across Solihull and East Birmingham
  • Transparent pricing and a 2-year minimum guarantee on all parts
  • Reliable locksmith services that guarantee to put your security first
  • No franchises or corporations – just independent, skilled professionals you can trust to get the job done right!
Customer Testimonials

What People Say About Us

Recommended online by over 400 local people

Here’s what a small selection of customers have said about us:

I needed the lock changed and a new set of keys for my back door. Ewan came out on the same day I called and provided a full quotation before visiting too. Highly recommend and if I need a locksmith again will definitely use Craftlock again.
Customer in Birmingham
August 2024
Ewan is reliable, honest and operates with integrity and professionalism. He took time to answer any questions I had and provided me with all the options available - from repair to replacement at a very reasonable cost based on industry standard. I would recommend him to anyone.
Customer in Solihull
July 2024
Ewan was professional from outset he had previously carried out work for us on a different property but since moving we wanted to get our locks changed and increase security so he was an obvious choice, he responded super quickly and was able to carry out the job in a short timeframe and in line with quotes provided, he is super knowledgeable and courteous, clean tidy and nothing was too much trouble, he left us with guidance notes to ensure we knew how to keep locks in good working order, we would 💯 recommend him, what a pleasure to find such a great tradesperson !
Customer in Tamworth
May 2024
I would highly recommend Ewan and his services. He was efficient and reliable. He accurately quoted me on the phone before arriving, without me having to ask. He turned up within 40 minutes of my call and managed to access my property within minutes and changed the entire lock within an hour. He was polite and professional & sent over aftercare advice & told me to call him if we needed any further help. Fantastic, high quality service delivered.
Customer in Birmingham
January 2025
I contacted Ewan when my door handle suddenly failed. He was extremely helpful and responsive with a thoroughly professional approach. His advice helped me resolve the issue myself without the need for a visit. Very impressed!
Customer in Solihull
July 2024
So impressed - Ewan called me for details about the job, after I sent photos he suggested a quick fix I could try to fix my mortice lock, which worked. He saved me money and demonstrated his experience. I suspect I'll eventually have to replace the lock anyway, I'll definitely be calling Ewan then.
Customer in Knowle, Solihull
April 2024
Excellent service. Ewan is very professional, reliable and competent locksmith. I used his service twice and would definitely use again and recommend. He made my home secure. You get a date, time and cost before he arrives. Very reliable.
Customer in Solihull
August 2022
Ewan is excellent at his work and I can't fault his craftmanship at all. I got 3 quotes from different locksmiths and what made me choose Craftlock was they were the lowest quote (no vat so 20% cheaper for a start, and a small company so no large overheads like call centres etc.), but also because he was so polite and friendly. When he arrived to do the job, he was polite, clean in his work, and thorough! He not only fixed my lock but also repaired the door setting so it won't happen again. I can 100% recommend Ewan from Craftlock Ltd, trustworthy and excellent at his trade.
Customer in Solihull
August 2024
From Ewan Clerk's initial visit to assess the job, until completion of the work, he was the complete professional. Easy to get on with, meticulous in his workmanship and a member of the Master Locksmith's Association. Nothing was too much trouble, and he was fully compliant with Covid-19 safety requirements. I now carry Ewan's business card with me at all times, safe in the knowledge that should any emergency with a lock occur in the future, help is at hand. I thoroughly recommend Ewan Clerk and Craftlock Ltd.
Customer in Birmingham
August 2020
We had to have our locks replaced after a burglary. Can recommend this guy, very knowledgeable and great service - you will be in safe hands whatever the locksmithing job.
Customer in Kings Heath, Birmingham
August 2022
Ewan responded immediately to my request for a replacement, more secure lock. He visited my home and quickly identified what was required. He quickly sourced the appropriate lock and kept me informed of its availability. We arranged a mutually agreed date and time for fitting. Ewan arrive as agreed and fitted the new lock quickly and efficiently. The whole process was quick, easy and very efficient.
Customer in Knowle, Solihull
July 2020
The work carried out was exceptional and was completed to a high standard. Ewan went the extra mile and I would not hesitate to call him again. I can not recommend him enough. It was a pleasure to meet him.
Customer in Birmingham
July 2020
Ewan visited to provide initial advice. Following that visit he was able to provided a good solution to the problem at a reasonable price and completed the job to a high standard in a timely manner. I would use Craftlock again if the need arises.
Customer in Dorridge, Solihull
July 2022
Ewan was spot on to his predicted arrival time, his analysis was swift, precise and proved to be correct. There was no fuss or chin rubbing regarding the work required and potential cost involved, he was honest from the get go. He worked tidily and respectfully and came across as very professional. I'd certainly call Ewan again if needed and based on my experience, I would have no hesitation in recommending him.
Customer in Solihull
May 2022
Ewan originally came to replace a lock out of hours to my property after an attempted break in. He then returned a few days later to replace some other locks for anti snap ones. He did an amazing job and is extremely knowledgeable. I would not hesitate in using his services again and recommending him to friends and family.
Customer in Sutton Coldfield
February 2020
I found myself locked out recently. Ewan arrived as soon as he could to deal with the broken lock, even though it was a tricky job after a full day's work, and a dark, cold evening. As ever, a very reasonable price and polite service. Thoroughly recommended.
Customer in Birmingham
December 2019
This is the second time Ewan has helped with lock replacement. Again, his communication is timely/responsive, both for the quotation, and up to and beyond completion of the work. His work was again of an exceptionally high standard, he was very tidy, and the cost was exactly as quoted. I asked for some additional advice and quotes, which Ewan provided (in respect of advice) on site, and confirmed in writing with quote the next day. As before, I was assured that he is very much thinking of my security needs, and did not suggest work that he did not believe was needed.
Customer in Kings Heath
October 2023
Ewan replaced four external locks on our property shortly after we moved in. He was able to book us in within one day of our call to him. He was very tidy, polite, and took the time to explain to us how the new locks worked in addition to some slight amendments that he made to our front door. We will certainly use him again in the future if required.
Customer in Solihull
February 2020
We needed three replacement door locks, to improve security. Ewan provided us with excellent advice and very efficient installation. We would highly recommend his services to other customers.
Customer in Birmingham
December 2023
Excellent response time after discovering an attempted break-in on a barely working door. This has now been repaired and works like it should. Wish I'd had it done years ago. Ewan was very informative and emailed a detailed quote with various options. No hidden charges or nasty surprises.
Customer in Solihull
August 2022
Craftlock were recommended by my alarm company. I was completely satisfied with the service we received. Ewan was so helpful in advising us of the best lock to use, but not in a pushy way. He is a professional, who knows his trade and wants to give good old fashioned customer service.
Customer in Shirley
August 2023