Locks Can Void Cover
Could your locks void claims?
Thousands of homeowners may not realise that outdated or unsuitable door locks could affect the validity of their home insurance cover.
Security standards matter
Research suggests many UK households may not realise their existing door locks and security arrangements no longer meet the requirements set out in their insurance policies. One issue that can lead to claims being rejected is failing to meet minimum door security standards specified by insurers.
Most providers specify particular standards for locks, especially on external doors. If these requirements are not met, insurers may reduce payouts or reject claims altogether following a burglary.
In many cases, homeowners may be unaware their locks no longer meet current standards, particularly if they have older doors, damaged locks or have not reviewed their home security arrangements for several years.
Check your cover carefully
Understanding the small print is important, as security conditions and exclusions can differ between insurers and policies.
We can help you review your home insurance arrangements and ensure you understand the security requirements linked to your cover. Get in touch now.
As with all insurance policies, conditions and exclusions will apply.
