By Alexandra Richards, Private Clients Development Executive
Most household insurance fact finds or questionnaires will ask the question "Are all final exit doors secured by 5 lever mortice deadlocks (5LMDL) conforming to British Standards 3621?"
How do you know? You are not a locksmith (or if you are, you are one of the lucky ones!).
Why do household insurers need to know this? It's simple really. They want to know that you take the protection of your home seriously. One of the principles of insurance is that of 'reasonable care'. For the insurance contract to be effective you must take reasonable steps to protect your property against loss or damage. Insurance isn't there to make a payment every time something bad happens. A little responsibility is bestowed upon the insured to take all measures possible to minimise the loss on the property.
Therefore they set a minimum security requirement, the 5 lever mortice deadlock or 5LMDL.
But what is it? A quick description and photo below should help:
A 5 lever mortice deadlock (5LMDL) looks like this:
If it is to BS 3621 standards it will have the British Standard kitemark. Essentially it is a deadbolt, locked and unlocked by key from either side. It cannot be moved to the open position except by rotating the key making a door more resistant to entry without the correct key.
I hope that helps clear up the 5LMDL!
Bear in mind that if you have higher amounts to insure it is likely that the insurer will require you to have an intruder alarm, either bells only or central station depending on values at risk.
If you'd like some help with your household insurance and want to speak to someone that can help you cut through the jargon, please don't hesitate to get in touch by e-mailing firstname.lastname@example.org or calling me directly on 07464 545648.