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Window locks do insurance companies demand these are locked when you are out?

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Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    katejo wrote: »
    My policy specifies window locks and five point door locks as a requirement. I thought that they all did now.
    No. Not all.

    Maybe you said you had these when first applying, and they have incorporated them in the conditions for your cover?
  • Mr_K
    Mr_K Posts: 1,171 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Car Insurance Carver!
    HHarry wrote: »
    As others have said it will depend on the insurer. I have previously been insured with esure for many years, but last year they changed the door / window requirements to ones we didn't meet. So we changed to Axa.

    I am with esure and don't have window locks on all windows and they insure me ok, for a very low premium. Interestingly I tried with window locks on a quote with them and it made no difference. Might depend on where you live/ claims history.
  • monty-doggy
    monty-doggy Posts: 2,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    That's a lot of locks! We only have 6 upstairs!
  • Rotor
    Rotor Posts: 1,049 Forumite
    Part of the Furniture 500 Posts
    monty-doggy wrote: »
    That's a lot of locks! We only have 6 upstairs!

    It's not a mansion either - sadly. -3 bedrooms

    2 openers in 2 bedrooms, 5 openers in the main bedroom (inc. ensuite) and landing and bathroom. Main room has tall windows with 2 handles to clamp it closed (with locks) plus the opening stay which has a lock.
  • katejo
    katejo Posts: 4,318 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Quentin wrote: »
    No. Not all.

    Maybe you said you had these when first applying, and they have incorporated them in the conditions for your cover?

    No I didn't. It was stated as a requirement when I did an online quote
  • monty-doggy
    monty-doggy Posts: 2,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Rotor wrote: »
    It's not a mansion either - sadly. -3 bedrooms

    2 openers in 2 bedrooms, 5 openers in the main bedroom (inc. ensuite) and landing and bathroom. Main room has tall windows with 2 handles to clamp it closed (with locks) plus the opening stay which has a lock.

    That would drive me crazy. I understand why you ask!
  • EmmaBo_2
    EmmaBo_2 Posts: 86 Forumite
    Rotor wrote: »
    Because we have 54 window locks and also children in the house. It's easy to scan for an open window but checking all locks are engaged is just unrealistic.
    If I just put that we don't have window locks will that prevent them invalidating any claim?

    Thanks

    It depends who the underwriter is I know Ageis (Ex Groupama) and Equity Red Star do on most of their products.
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