Does contents cover, cover faulty locks

GeeJayJay

I have twice been locked out this week by a faulty lock on my front door, fortunately I have been able to get in by other means.

Can someone please adivse me whether my cover is likely to cover for a faulty lock. My policy says 'loss of keys, lock replacement upto £300 included'
However, thats all its says (nothing in the policy booklet at all) and the problem is the multipoint locking system not the barrel, i think that they would only cover for the barrel being replaced, and only if my keys were lost/stolen. Even so replacing the Barrel would not fix my problem.

Any help would be gratful

shelly

Contents cover is usually for anything that would fall out of your house were it to be picked up and shook.
I think that what 'loss of keys, lock replacement upto £300 included' means is that if you lose your keys they will replace the lock up to the value of £300. I wouldn't have thoght that a faulty lock is covered by any insurances you may have, unless you can get specific lock insurance, so you will have to replace the lock yourself.

Also I don't know the consequences of having a faulty lock were you broken into. If entry wasn't technically forced as the burglar used a faulty lock to their advantage then I don't know if an insurance co would pay out?

mattymoo

Its a maintenance issue. Take it up with a locksmith or check to see if the door is still under guarantee - some installers offer a 10 yr warranty.

justwannabeloved

Hi

That would be classed as mechanical failure . Normally, cover on locks in insurance policy's for lost or stolen keys, then you'd get replacement locks upto the limit stated in policy.

regards
justwannabeloved