Works with Matter
For UK insurers, MGAs and scheme operators
The lock is rated. Whether anyone turned it is not recorded.
Every security condition on a household policy is a condition about hardware. The hardware is rarely the problem. Locksure is a sensor that fits over the existing euro cylinder on a front door and records the one thing no lock standard, survey or wording can see: whether the door was actually locked, and when. It costs about £50 a door, changes nothing on the door, and has no motor, so it can never be used to open one.
- On sale on Amazon UK today
- MLA Affiliate Partner, Reg 204034
- Designed and assembled in the UK
- PSTI Act compliant, UK Schedule 4
The part of the risk that nobody can see
You can specify a lock standard, ask for it on the proposal form and check it at claim. What you cannot do, and nobody can, is know whether that lock was turned on the night it mattered. A door that was pulled shut and never locked presents exactly the same rated hardware as a door that was locked. From the outside, from the survey, and from the wording, the two are identical.
The Crime Survey for England and Wales puts it at around one in four burglaries involving entry through a door or window that was left unlocked.
That is the share of the loss that sits outside every control an insurer currently has. Better locks do not touch it, because the lock was already good enough. Alarms do not touch it, because nobody broke anything. It is a behaviour, it happens on the inside of the door, and until now it left no record.
Locksure records it. One fact per door, locked or unlocked, with a time against every change. That is all it does, and it is the one thing on the door that nothing else measures.
What this puts in an insurer's hands
A reason to be in the policyholder's day, not just their renewal
A household policy is touched once a year. A front door is touched every day. A device that answers "did I lock the door" is one the policyholder opens because they want to, and that puts your scheme in front of them in the moment they are thinking about the very risk you cover.
The moment the behaviour can change
The person who is told at 23:14 that the door is unlocked is the person who gets up and locks it. Whether that happens often enough on your book to matter is not something we can tell you today, and we will not pretend to. It is precisely what a pilot exists to measure, and it is measurable within a year.
A route into the home that does not need its own business case
Placing a device in a customer's home usually means either a leak sensor priced to need justifying, or a smart lock that needs a locksmith and a conversation about remote access. This is neither. About five minutes, adhesive, nothing drilled, about £50 a door after the first. If you already put anything into homes, the route is the expensive part and you have it.
No new risk on the door
There is no motor. It cannot lock, unlock, or connect to the mechanism. The cylinder, the keys and the rated hardware stay exactly as they were, so nothing you have already assessed needs assessing again. A smart lock asks an underwriter to think about remote unlocking. This does not.
A record that belongs to the policyholder, and that they can choose to share
By default the app and the record sit with the person who lives there. If a scheme is built so that a customer agrees to share lock state, they can. If it is not, nothing leaves the home. The design of that consent is yours, and the record is evidence of a kind that did not previously exist for any security condition.
How it fits
- 1Fit the sensor.It sits over the existing thumb turn or key turn on the inside face of the door. Adhesive, about five minutes, nothing drilled, the cylinder and the keys unchanged.
- 2Plug in the hub.A small hub connects to the property's broadband. One hub covers up to four doors.
- 3See the record.The app shows locked or unlocked, with a time against each change.
It is not a smart lock, not a camera and not a microphone. It records the state of the lock and nothing else.
Where it fits, by book
Household schemes
The device costs about what a year of a modest add-on cover costs, which is what makes it possible to place it with a policy rather than sell it beside one. A scheme that can say "we help you know the door is locked" is saying something no competitor's wording can, and the question of whether it changes the book is the one a pilot answers.
Landlord and property owner
The person who closes the door is not the person carrying the excess. Between tenancies the property is empty and visited by contractors, cleaners and viewers, and nobody currently records whether it was locked behind them. On an occupied let the app sits with whoever holds it, so it stays the tenant's own device unless they agree otherwise.
High net worth
These wordings already carry security conditions that nobody can evidence after the event. A lock-state record is that evidence. One honest limit up front: it fits euro cylinder thumb turns and key turns. It does not fit a mortice deadlock, so a book that skews to period property on BS3621 mortices is not a fit, and we would rather be told than waste your time.
Already placing devices in homes
If you already put a leak sensor or an alarm into a customer's home, you have the hard part, which is the route. This is one more device on that route, at a price that does not need its own business case.
Larger buildings
For a single home the hub is enough. For a building with many doors there is a mesh version, designed and tested in a school academy in north London, built with redundancy and fallback so that a single failed node does not take the record down with it. It suits student accommodation, supported housing and multi-door commercial premises. If your book includes those, say so on the form and we will talk about that version instead.
The questions you would ask in the first fifteen minutes, answered now
- Do you have claims data?
- No. We have no loss ratio, no claims frequency and no premium data of any kind, and we will not invent any. What we have is a product on sale today and a way to generate the first real numbers on your own book. That is what the pilot below is for.
- Which insurers are you working with?
- None. We have no relationship with, and no approval from, any insurer. You would be the first, and we think that is a better position for you than being the fifth.
- Is it an approved security product?
- No. It is not rated, approved or listed under any policy wording, and it does not claim to be. It does not need to be: it does not replace anything that is.
- What does the MLA affiliation mean?
- MLA Affiliate Partner, registration 204034. That is a membership category. It is not an endorsement, an approval or a test result, and we do not present it as one.
- What does it need at the property?
- Broadband and a plugged-in hub. The sensor talks to the hub, the hub talks to the internet. A void with the broadband cancelled is a property where the record cannot be produced, and on a landlord book that is worth knowing before the pilot rather than during it.
- What does it not fit?
- Mortice deadlocks, and fob or card systems. Any standard euro cylinder thumb turn or key turn, it fits.
- Who sees the record?
- The policyholder, by default. You, only if they agree and the scheme is built for it.
A pilot designed around questions a pilot can answer
Fifty homes for a year is fifty unit-years. Against how rare burglary is per household in a single year, that cohort produces no meaningful claims count and no control group. It cannot establish anything about claims, and we will not design one that pretends to.
What it can establish, and what we would put in front of you at the end of it:
- How often doors on your own book are actually found unlocked overnight, and at what times.
- Whether being told changes it: how quickly an unlocked door gets locked once the app has said so.
- Whether the fit works on your customers' real doors, not our test doors.
- Whether people are still opening the app in month six.
All four are answerable in a year, and all four are things no insurer currently knows about its own policyholders. If they come back well, the larger controlled study is the conversation worth having, and it would be designed with your actuary, not around them.
The next step is fifteen minutes
Fifteen minutes on a video call
No deck and nothing to prepare. Jaspal locks and unlocks a real door and you watch the record appear, then you ask whatever an underwriter asks. Bring whoever you would want in the room.
If it still looks useful at the end of that call, what we would suggest next is a small pilot on part of your book, aimed at the four questions above. That is also the point at which we put units in people's hands.
We do not send hardware before a call. Until we have talked we do not know whether your doors, your book or the broadband at those properties make this a fit, and sending units before we know that wastes your time as well as ours.
Jaspal Singh, founder. [email protected]. We reply within one working day.
MLA Affiliate Partner, Reg 204034. Designed and assembled in the UK. Locksure is a trading name of Lockstate Limited.
Locksure has no relationship with any insurer and makes no claim about premiums, policy conditions or claims outcomes. Nothing on this page is insurance advice.