If you want to make sure you are properly covered you can get a free lock check and assessment in Cardigan and Teifi Valley from security expert Barrie Rees of Goldilocks.
Do your locks meet insurance standards?
Most householders don’t know the type of locks that are fitted to any of their doors, yet most believe that the existing locks would meet safety standards.
But many people could find themselves seriously out of pocket if their home is burgled and they try to make an insurance claim.
If the insurer believes the locks are not of the correct standard, it could lead to a claim on your policy being deemed invalid.
The British Insurance Brokers' Association (Biba) warns that to discover your lock type, half the time you have to physically take the lock out of the door -- a tricky job you really don't want.
Many homeowners work their way through price comparison websites and weigh up dozens of rival insurers to lop hundreds of pounds off their house insurance costs -
but rush through final vital questions such as: are the locks British 'safety-standard, a five-lever mortice lock conforming to BS3621, or a cylinder rim deadlock?
For most home contents policies, the phrase runs: "You must have a 'five-lever mortice lock' conforming to BS3621 on all exit doors and key-operated locks on all ground floor and accessible windows". The wording may vary slightly.
Not all policies insist on such locks, however, some offer you a discount of up to 5 per cent if you have them installed.
But unless you have moved into a new-build home where it is clear that the developer has specifically fitted such locks, it's difficult to tell which locks you have without the benefit of specialist knowledge.
If you are unsure of which locks you have at home, Barrie Rees, of Goldilocks, can help you.
He is a Master Locksmith, a member of a leading trade association and a security consultant.
He has more than 37 years' experience and is fully qualified and insured. Barrie provides a mobile service right across Cardigan and Teifi Valley. He is on the approved list of suppliers of goods and services to the Police Authority. And he’s CRB checked.
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