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Do smart locks affect your UK home insurance?
Most UK home policies specify minimum door security - and getting it wrong can reduce or void a theft claim. Here is what insurers actually ask for, where motorised smart locks sit, and how to add "is it locked?" monitoring without touching the rated hardware your policy relies on.
What UK insurers typically require
BS3621 - wooden doorsThe British Standard for thief-resistant locks: in practice a five-lever mortice deadlock, independently tested against picking, drilling and force, carrying the BSI Kitemark and "BS3621" on the faceplate. Insurers commonly name it for final-exit wooden doors.
TS007 3-star and SS312 Diamond - uPVC and composite doorsKitemark grades for euro cylinders. A 3-star (or SS312 Diamond) cylinder is tested against snapping, picking, drilling and bumping. Some insurers specifically require 3-star or equivalent anti-snap cylinders, and claims have been disputed where a lesser cylinder was snapped.
Policies enforce this through minimum-security clauses: if the locks on the door do not match what you declared, a theft claim can be reduced or declined - and giving incorrect lock information can invalidate cover.
Where do smart locks sit?
A motorised smart lock replaces or operates your lock hardware, so it inherits this question directly. Some digital locks are marketed as British Standard approved, but it is model-specific - and at least one major insurer advises caution:
"Most insurers still require a traditional BS3621 lock alongside smart locks. Many smart locks aren't insurance approved on their own, so it's a good idea to check your policy wording before installation."Allianz UK, home insurance guidance, accessed August 2026
None of that makes smart locks a bad idea - it means the burden is on you to check your specific model against your specific policy wording before fitting one.
The monitor route: nothing on the door changes
Locksure takes a different approach. It fits beside your existing lock. It does not replace the cylinder, does not connect to the mechanism, and does not lock or unlock the door - so whatever insurance-rated hardware your door has today (a BS3621 mortice lock, a TS007 3-star cylinder) is physically unchanged. You add the "is it locked?" answer to your phone; your door keeps the exact hardware your policy was written against.
🔒 Insurance-rated hardware stays untouched - by design
To be precise: your insurance position depends on your whole policy, not on any single device - but a monitor that changes nothing on the door cannot change what is fitted to the door.
See the Locksure monitor - from £44.99Common questions
Will fitting a smart lock invalidate my home insurance?
Not automatically - but if the fitted lock no longer meets the standard your policy specifies (for example BS3621 on a wooden final-exit door), a theft claim could be affected. Check the model against your policy wording, or ask your insurer, before installation.
Does Locksure change my door's locks in any way?
No. It attaches beside the thumb-turn or key-turn and senses the lock's position. The cylinder, the mechanism and the door are physically unchanged.
What lock standard should my front door have for insurance?
Commonly a BS3621 five-lever mortice deadlock on wooden doors, or a TS007 3-star (or SS312 Diamond) euro cylinder on uPVC and composite doors - but always take the wording from your own policy documents.
From £44.99 · fits your existing lock · no subscription for core alerts · UK-made
General information, not insurance advice; standards and policy wordings vary - always confirm with your insurer. Sources include insurer and industry guidance accessed August 2026.