Check your security measures to keep your insurance in force

Unoccupied property insurance clients need to give careful attention to the security measures they have put in place to keep the property safe. Checking the insurer’s requirements is also a good idea. Most insurance policies require you to have door locks of a certain standard. It is easy to assume that your property, whether it be your own home or an unoccupied one has suitable locks on all the doors or windows. If you are insuring your own house as an owner occupier it is easy to check but this is not the case with a let or unoccupied property that might be miles away. The worst thing you can do is assume that the security precautions comply with your insurers’ requirement- there is no alternative to checking them yourself or asking someone else to do it for you.

Most insurers will require five lever mortice locks conforming to BS 3621 and there may be special rules about patio doors so check your policy. If you fail to meet the standards set in your policy you may find your claim turned down. It is a good idea to change the locks periodically; especially if you know that several people have been given keys but you can only account for a few of them.

If you would like information about unoccupied property insurance visit www.click4quote.com