What door do insurers mean?

Coopsjnr

Hello
I live in a terraced house that shares a front door with another property.
I have another door before you can enter my property. It has several locks on it.
When the insurers ask about locks do they mean my door to my property or the main front door to all the properties?
It's a bit confusing.
Thank you.

sal_III

They mean the door to the your property that you are looking to insure. What's in your title? I doubt you own the bits between the "main front door" and your house/flat door.

It really is not that confusing.

eddddy

If you're in any doubt about something like that, it's always best to phone the insurer and ask.

If you make a claim that is denied because of your door locks, it probably won't help if you say:

"Anonymous strangers on the internet said the locks would be OK."

But it probably will help if you say:

"I spoke to your customer service agent named Dan on 13th Jan at about 2:30pm, and he said the locks would be acceptable. I called from phone number 01xxx xxxxxx"

.. because they'll probably have recorded the call, and they can find it and listen to it.

GoGeeb

It's generally referring to your final exit door (normally front or back door). It's unusual to have a terraced house with a shared front door - which would be normal in a flat.


Assume it's leasehold and if so your final exit door should be the door to your house and not the shared entrance, but as Edddy says if in doubt call them and seek clarification. They will record the call and refer to it if any dispute down the line.