Insurer’s Minimum Security Requirements

We estimate that 60% – 70% of the properties we visit do not meet their insurer’s minimum security requirements, whether they are domestic or commercial premises.

Based on our experience, the most common security issue that property owners face is the lack of proper locks on doors and windows.

According to our data, 30% -40% of property owners have had a burglary claim refused due to not meeting security requirements set by their insurance company.

This lack of awareness could cost property owners thousands of pounds in repair and replacement costs.

Most people are unaware that insurers have such security standards included in their policies.

It’s important to review your insurance policy and make sure you understand the security requirements to ensure coverage in case of a burglary.

Furthermore, some policies also require regular security upgrades to maintain coverage.

Don’t assume that your current security measures are sufficient – make sure to review your policy and upgrade your security if necessary.

If you fail to meet these requirements, your insurer may refuse to pay out if you are burgled, even if the point of entry itself was secure.

It’s not enough to simply have a lock on the point of entry – all external doors and accessible windows must also meet the security requirements specified in your policy.

For example, if your policy requires a 5 Lever British Standard mortice lock on the final exit point and you only have a 3 Lever lock, your claim could be denied.

Make sure to check with your insurance company to determine the specific security requirements for your policy.

Typical requirements include a 5 Lever British Standard (BS3621) mortice lock (or approved equivalent) for the final exit point, locks on all other external doors, and key-operated locks on all accessible windows.
Investing in these security measures not only ensures coverage in the event of a burglary, but also provides peace of mind for property owners.
Other common security measures include burglar alarms, security cameras, and reinforced door frames.

At Safe and Secure 24/7, we prioritise your security and are committed to helping you meet your insurer’s minimum security requirements.

Contact us today to schedule a property review and receive expert recommendations for how to improve your security measures.

We can review your property and make recommendations on how to meet your insurer’s security requirements.
Don’t wait until it’s too late – take action now to ensure that you are protected in the event of a burglary.
Remember, prevention is always better than cure.