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All insurance policy prices are based on risk assessments - so to cut the cost, cut the risk. Insurers will ask you questions to assess how secure your property is, and then decide on whether you’re low, medium or high risk.

Common insurance questions

Are all external door(s) fitted with a 5 lever mortice deadlock or a 3 point multi locking system? If you have French or patio doors are these fitted with locks at the top, middle and bottom?

What exactly are the external door lock requirements?

Five lever mortise deadlocks - this lock has a single 'dead' bolt that is locked and unlocked with a key. It is embedded in the door for extra strength.

Multi-point locks (UPVC doors) -locks that have at least three locking points placed over the length of the door. They are operated by lifting the door handle in conjunction with a key operated deadlock.

French or Patio doors - these doors should have locks fitted at the top, middle and bottom. This can be achieved by a multi-point locking system as described above or by fitting key operated security deadbolts top and bottom in addition to any existing lock.

Do all accessible windows have key operated locks?

What is an accessible window?

Accessible windows are those opening windows on the basement or ground floor of your property or the 1st floor or above if next to drain pipes, fire escape or balconies etc.

Do you have an alarm which is centrally monitored?

What does centrally monitored mean?

A central monitored alarm is one that is linked via a telephone line or cellular network or both to an alarm receiving centre.

Security requirements

When researching a home insurance policy, make sure you check your policy terms and conditions to ensure you have met the warranties stipulated within the policy wording. Insurers can decline a claim if you do not keep to them.

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The content within this website is not exhaustive and should only be used as a general overview. Insurers will stipulate specific warranties within their terms and conditions, which can often be modified from insurer to insurer. Always refer to your policy wording to ensure you have met their warranty requirements. Prices quoted are correct as at December 2010, and are subject to change. The products recommend within this website gives the reader an insight into the more effective security products available in the market, it does not give any form of guarantee that these products will be 100% effective in combating crime. Also, it does not guarantee that these methods are suitable for specific applications. It is the responsibility of the equipment supplier and equipment purchaser to ensure that their chosen security device is suitable to its particular application and that it complies with all legislation, standards, codes of practice or any other requirement. Every effort has been made to ensure the contents of this site is accurate, however CSP does not accept any responsibility for losses arising from decisions based upon the content herein.