Insurance-Approved Locks: BS3621, TS007 and SS312 Explained
Many home insurance policies say your doors must have locks of a certain standard, and some claims are reduced or refused if they do not. The wording can be confusing. Here is what the common standards mean, door by door. Always check your own policy, as requirements vary between insurers.
Timber Front and Back Doors: BS3621
On a traditional wooden door, insurers usually ask for a 5-lever mortice deadlock to BS3621. Look for the Kitemark and “BS3621” stamped on the lock’s faceplate on the door edge. A nightlatch (the Yale-type lock) on its own is usually not enough — though a BS3621-rated nightlatch with a deadlocking function may be accepted.
uPVC and Composite Doors: Multipoint Locks and TS007
These doors use a multipoint locking system operated by a key, with a Euro cylinder. Insurers generally accept a key-operated multipoint lock, and increasingly expect the cylinder to be anti-snap. A TS007 3-star cylinder, or a 1-star cylinder with a 2-star handle, meets that standard. See anti-snap locks explained.
Sold Secure Diamond (SS312)
SS312 Diamond is a demanding independent test for Euro cylinders, covering snapping, drilling, picking and more. It is not usually a specific insurance requirement, but it is a good sign of a high-quality cylinder.
Patio, French and Side Doors
Policies often mention “final exit doors” and “other external doors”. Final exit doors (the one you lock last when you leave) usually need the highest standard. Patio and French doors often need key-operated locks and sometimes extra bolts. Check the wording.
Windows
Some policies require key-operated locks on accessible windows, usually ground floor or reachable from a flat roof.
How We Help
- BS3621 5-lever mortice locks supplied and fitted from £99 plus parts
- TS007 3-star anti-snap cylinders from £69 plus parts
- An invoice that records the lock standard fitted, useful for your insurer
There is no call-out fee, and we will tell you honestly if your existing locks already meet the standard.
Frequently Asked Questions
What is a BS3621 lock?
A British Standard for thief-resistant locks, most often a 5-lever mortice deadlock on timber doors. Look for the Kitemark and “BS3621” on the lock faceplate.
Do uPVC doors need BS3621 locks?
Not usually. uPVC and composite doors use multipoint locks with Euro cylinders, and insurers generally look for a key-operated multipoint lock with an anti-snap TS007 cylinder.
Will my insurance pay out if my locks are not approved?
It depends on your policy. Some insurers reduce or refuse claims if the required locks were not fitted or not used. Check your policy wording.
Need a Locksmith Right Now?
📞 07486 889391 — 24/7, no call-out fee, typically with you in around 30 minutes. Or WhatsApp a photo of your door for a fixed quote before anyone travels.