That string of numbers on your insurance paperwork has a real meaning — and getting it wrong can affect a claim. Here's the plain-English version.
Dig into your home insurance and you'll usually find a line about "BS3621" locks on external doors. It sounds like jargon, but it's worth understanding — because if your locks don't meet it, a claim after a break-in can get complicated.
What BS3621 actually is
BS3621 is the British Standard for a thief-resistant lock that's key-operated from both sides. In practice it covers five-lever mortice deadlocks and certain euro cylinders and nightlatches that have been independently tested to resist drilling, picking and forcing. A genuine one carries a small British Standard kitemark — a heart-shaped stamp — on the faceplate or body.
How to check your own locks
- Open the door and look at the edge of the lock (the faceplate) for the kitemark and "BS3621".
- On a mortice lock, count the levers if it's printed — five-lever is the one insurers want, three-lever isn't enough for a final exit door.
- On a euro cylinder, look for a marked anti-snap / British Standard cylinder; older plain cylinders usually aren't rated.
- No markings? It's likely not BS-rated — worth getting checked.
Why it matters for a claim
Many policies make BS-standard locks a condition of cover. If you're burgled through a door that didn't meet the standard your policy specified, the insurer can question or reduce the payout. Getting the right locks fitted isn't just about security — it protects the cover you're already paying for.
Getting it sorted
It's usually a straightforward upgrade — fitting a five-lever mortice or a British Standard anti-snap cylinder to the doors that need it. If you're not sure what you've got, a quick look will tell you, and a short visit puts it right.
A security survey checks every door against what your insurer expects, or we can simply upgrade the locks that fall short.
Security survey
Need a hand with this?
Two Keys is a father-and-son locksmith team in Egham — UKLA Trusted & Vetted, DBS-checked, fully insured. Straight prices, agreed before we set off.
We cover Egham · Staines-upon-Thames · Windsor · Caterham and the wider Surrey, west London and east Berkshire area — see full coverage.