Do I have the right lock for my insurance?
Being a Commercial Property Owner or Business Owner you will be aware there will be certain conditions within your insurance policy with regard to the Security at the premises. However, the first thing you should ask yourself, is, “Do I have the right lock for my insurance?” Below are just a few examples of what many concern themselves with first, before they consider what lock they have.
- Having a Fully maintained Theft Alarm
- Having a Fire Alarm
- Having Grilles & Shutters on ground floor accessible windows
- CCTV both internally and externally
- Anti ram raid road bollards
These may be some of the more common protections that most of us will have heard of. Insurers will not always insist on having all of these protections, however, it may reduce their risk and in turn reduce your premium. There is, however, one security requirement that will often go overlooked – BS3621. This is the British Standard Code for the minimum requirement of locking mechanism you should have on the main door.

BS3621 requires the lock to have 5 levers (as opposed to just 3) and at least 1000 key differs. BS3621 also requires this lock to anti-picking security and anti-drilling qualities. The bolt throw must also be a minimum of 20mm. When these are part of the lock, it will then be certified BS3621 approved.
What this lock simply does, is improve the physical security of your property straight away. So why wouldn’t you, one reason why some Commercial Property Owners don’t have this, is they have purchased a building where the door or lock is old and quite simply have not upgraded the door as they believe the door to be, “good and solid” – which it might be! However, it could still be easily drilled or the lock picked, if it has not been BS3621 approved.
How to identify a BS3621 lock.
Identifying the lock is never the difficult part. It is having the knowledge that your lock should be BS3621 approved in the first place. Simply open the door and look at the lock. You can identify this by the following:
- Kitemark – The lock will have faceplate and this should have a British Standard Kitemark. The kitemark looks like a heart with an “S” in the middle and “B” flat on top.
- Door Type – If the Door is made of wood, it is more likely to have BS3621 approved lock.
- Faceplate – The metal part of the lock on the edge of the door which is usually in chrome or perhaps brass.
- BS Number – BS2621 should be clearly stamped into the lock.
The above lock will allow you to say, “I have the right lock for my insurance?”
Below is a closer look at BS3621 approved lock for insurance to be valid:
If all of the above fails and you still can’t tell if the lock is BS3621 approved, you should contact a MLA approved locksmith.
Below is a photo from a customer who was asked by us to inspect the edge of her door for the correct markings. Although the code itself can be quite difficult to make out, you can clearly see the Kite Mark with and “s” and “ b” as previously described.
The BS3621 requirement not only has many physical qualities to protect your property from potential break-ins, it is also essential to be compliant with your insurance policy. Without this level of security, insurer will often exclude cover for malicious damage, fire or theft! So it is essential you check urgently if you have not done so already.
If you have any difficulty in gaining quality cover, despite having the correct BS3621 in place, then get in touch with Property Insurance Centre. We have access to a large panel of insurers where we can find cover that is not overpriced and tailored to your requirements.
Why choose the Property Insurance Centre
Independent advice by approachable staff online or by phone
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Specialists in Commercial & Residential Insurance
We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.
Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.
Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.
We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.
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Contents
- 1 Do I have the right lock for my insurance?
- 2
- 3 Insurance under one roof
- 4 We are specialists in many types of insurance
- 5 How to identify a BS3621 lock.
- 6 Block of Flats
- 7 Unoccupied
- 8 Home Insurance
- 9 Residential Landlord
- 10 Land Liability
- 11 Commercial Property
- 12 Lockup Garage
- 13 Restaurant
- 14 Takeaway
- 15 Classic Car
- 16 Mixed Use
- 17 Tradesmen
- 18 Why choose the Property Insurance Centre
- 19 Independent advice by approachable staff online or by phone
- 20 Access to a wide range of insurers to source suitable insurance cover for your needs
- 21 Bespoke Insurance Schemes & Portfolio Policies available
- 22 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 23 Competitive Premiums
- 24 Cover available for the buildings while the property is being converted, renovated or extended
- 25 Over 40 years experience working with the best insurers in the UK
- 26 Excellent communication so that you understand what risks you are insured against
- 27 Why choose the Property Insurance Centre
- 28 Independent broker with staff you can speak to by phone or online
- 29 Access to a wide range of insurers to source suitable insurance cover for your needs
- 30 Bespoke Insurance Schemes & Portfolio Policies available
- 31 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 32 Competitive Premiums
- 33 Cover available for the buildings while the property is being converted, renovated or extended
- 34 Over 40 years experience working with the best insurers in the UK
- 35 Excellent communication so that you understand what risks you are insured against
- 36 Why choose the Property Insurance Centre
- 37 Independent broker with staff you can speak to by phone or online
- 38 Access to a wide range of insurers to source suitable insurance cover for your needs
- 39 Bespoke Insurance Schemes & Portfolio Policies available
- 40 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 41 Competitive Premiums
- 42 Cover available for the buildings while the property is being converted, renovated or extended
- 43 Over 40 years experience working with the best insurers in the UK
- 44 Excellent communication so that you understand what risks you are insured against
- 45 Specialists in Commercial & Residential Insurance
- 46 Get In Touch:
- 47 We accept most payment types including:
- 48 UK Call Handlers & Dedicated New Business Team
- 49 Call Us on 0800 085 3761