Keyless Entry and Smart Locks: Are They Insurance Compliant in the UK?

Smart locks and keyless entry systems offer convenience via smartphone apps or keypads. However, when it comes to insurance, the primary concern is not the technology, but the mechanical lock cylinder that sits behind it. A smart lock alone is not usually enough to satisfy UK home insurance requirements; it must work in tandem with a certified mechanical lock.

The Insurance Mandate: Mechanical Security First

UK home insurance policies typically focus on the presence of a certified mechanical lock that resists physical attack and provides proof of forced entry:

• Wooden Doors: Must be secured with a 5-lever mortice deadlock certified to BS 3621.

• uPVC/Composite Doors: Must use a multi-point locking system operated by a TS007 3-Star or SS312 Diamondrated anti-snap cylinder.

  
  

The Key Rule:

As long as the smart lock is installed alongside or in conjunction with a lock that meets the BS or TS standards required by your insurer, your policy will remain valid. The smart lock functions as a valuable secondarysecurity measure, providing access logs and remote monitoring.

Best Practices for Smart Lock Installation

To ensure full compliance and maximize security, follow these steps:

1. Check with Your Insurer: Always inform your insurance provider before installing a smart lock to confirm they accept the specific model in combination with your mechanical lock.

2. Pair with a Certified Cylinder: If installing a smart lock like the Yale Linus, ensure the physical cylinder it operates is anti-snap rated.

3. Battery Backup: Ensure the system has a physical key override or reliable battery backup to prevent being locked out due to power failure.

Local Authority Check: We install smart lock and keyless entry systems for both residential and commercial clients in Poole and Bournemouth, guaranteeing that the mechanical components meet the highest British Standards for full compliance.

Ready for the convenience of keyless entry without compromising security? Contact us for a smart lock installation paired with a certified anti-snap cylinder. Call Peter directly on: 07304 073538.