What are key operated window locks?

Hooloovoo

Is a window that locks using a screw operated by an allen key sufficient to answer "yes" to the "windows have key operated locks" question?

Or does it mean a real key with a real lock like one uses in a door?

huckster

Allen key should be ok, unless the Insurers t&c's say otherwise. You could phone to check.

Some Insurers offer a small discount, but then apply a locks requirement in lieu of this. If this is the case, you would have to decide whether it is worth it. If you live in a low risk area, the locks requirement may not be normally requiredl, so you could end up having to conform to requirements, when not getting much of a discount saving.

Internet useful for getting quotes, but not much good if you have questions. Always best to phone companies, to 'hear it from the horses mouth'.

Hooloovoo

Thanks. It's Legal and General I'm considering. I've read through their policy document and it doesn't say anything about allen keys, just specifies "key operated locks".

I think I will check to see how much the quote is when saying no to that question. As you say, the discount may not be enough to make it worthwhile having the hassle of having to keep locking the windows over the summer.

Hooloovoo

Well it turns out that my question doesn't matter anyway.

Answering "yes" or "no" to the window locks question only changes my premium by £1. If I had a monitored burglar alarm installed it would reduce my premium by £2. Not worth bothering then.

Interestingly, the question "Did you pay your last insurance annually or monthly?" changes my premium by £10. That's not even a question about how I would like to pay, it's about how I paid my LAST insurance.

So apparently the security installed in my house is statistically less relevant to risk than how I paid my previous insurance. Bizarre.

I'm with Nationwide at the moment, and they make you pay monthly! The charge is the same even if I paid annually, which would usually be my preferred method and how I will be paying my new insurance. It's very annoying, but since my bill is going to be only 1/3 of the price last year it doesn't really matter ...