The short answer
Most UK home insurers will accept a smart lock if it meets the same security standard your policy asks for, such as BS 3621, TS007 3-star or Sold Secure Diamond. The problem is that many cheap smart locks do not. The safest approach is to keep a rated key-operated lock on the door and check your policy wording before you fit anything.
What do insurers actually ask for?
Policies usually ask for a key-operated lock to a set standard on final exit doors. They rarely mention smart locks by name. If your smart lock replaces the rated lock, and the smart lock is not rated, you may no longer meet the policy. If it is added as an extra, alongside a rated lock, you usually still meet it.
Smart lock types and insurance
| Smart lock type | Insurance position |
|---|---|
| Smart cylinder rated TS007 3-star or Sold Secure Diamond | Usually accepted on uPVC and composite doors |
| Retrofit unit that turns your existing rated thumb-turn or key | Usually fine, as the rated lock stays in place |
| Unrated smart lock replacing a mortice deadlock | May not meet the policy |
| Smart nightlatch with no British Standard rating | Usually not enough on its own |
How to fit a smart lock and stay covered
- Read your policy for the words "final exit door", "BS 3621" or "key-operated lock".
- Choose a smart lock that carries TS007 3-star or Sold Secure Diamond, or keep your rated lock as well.
- Ask your insurer in writing if you are unsure, and keep the reply.
- Have it fitted properly so the door aligns and locks fully.
Smart locks in flats
Flat entrance doors are often fire doors, and many leases control what you can fit. Check with your landlord or managing agent first, and make sure any lock keeps the door's fire rating.
What we can help with
We fit suitable smart locks and rated anti-snap cylinders, and check that the door still meets your insurer's requirements. We will tell you plainly if a lock you are considering is not rated.
Related service: smart lock installation in London.
A few common questions
Do insurers accept smart locks in the UK?expand_more
Most UK insurers accept a smart lock if it meets the standard the policy asks for, such as BS 3621, TS007 3-star or Sold Secure Diamond. If an unrated smart lock replaces your rated lock, you may no longer be covered. Keeping a rated key-operated lock as well is the safest approach.
Will a smart lock void my home insurance?expand_more
It can if it replaces a rated lock with an unrated one, because you may no longer meet the policy's lock requirements. Fitting a rated smart cylinder, or keeping your existing BS 3621 or TS007 lock alongside the smart lock, avoids this. Check your policy wording before fitting.
What is the best smart lock for a flat?expand_more
For a flat, choose a smart lock that keeps the door's fire rating and meets your insurer's lock standard. Retrofit units that turn an existing rated lock are often a good choice. Always check your lease and ask your landlord or managing agent before changing the entrance door lock.
Are smart cylinders anti-snap?expand_more
Some are. Look for a smart cylinder rated TS007 3-star or Sold Secure Diamond, which are tested against snapping. Unrated smart cylinders may be no stronger than a basic cylinder. The rating should be marked on the product and stated clearly by the maker.
Should I tell my insurer I have fitted a smart lock?expand_more
It is sensible to tell your insurer if you change the locks on your final exit door, especially if the new lock differs from what the policy names. Ask them to confirm in writing that it is acceptable, and keep the reply with your policy documents.