As a trusted insurance broker in the UK, we aim to provide our clients with comprehensive advice on security measures that meet insurance standards. In recent years, the adoption of smartlocks has gained popularity due to their convenience and advanced features. However, it is important to understand how these modern security systems fit within the framework of insurance requirements.
Minimum Security Standards
Insurers will have a minimum standard of security condition in their insurance policies that you’ll need to follow. A common requirement within this condition at the time of writing is that the main entrance/exit door has a 5-lever mortise deadlock that conforms to BS3621 standards. It is important to note that the requirements for locks may vary depending on the type of door you have, so it’s essential to locate and understand this condition in full.
Smartlocks and Insurance Conditions
While smartlocks offer a convenient level of security through features like keyless entry and remote access, insurers may have additional conditions or requirements before accepting them. In our experience, insurers may request clients to use a primary lock that complies with their minimum standard to be used for overnight security. They may instead request a handle to be present to ensure there is locking mechanism, or just something as simple as having procedures in place to change the keypad codes.
Conclusion
While smartlocks are becoming more prevalent and can be accepted by insurers, it is important to be aware of the specific conditions and requirements that may apply. Always consult with your insurance provider to ensure that your smartlock system meets their standards and does not impact your coverage. By keeping an open line of communication with your insurance provider and adhering to insurer’s requirements, you can enjoy the benefits of modern security technology while maintaining peace of mind with your insurance policy.
