Type of lock for insurance purposes

MisterNick

Boohoo said:

So he's going to be a tenant and not buying the place then?

Yes he is a tenant. 

Good suggestions on way forward. I am strapped for time, but good suggestions on exploring options

Thanks for all help

35har1old

MisterNick said:

I am arranging the insurance on a flat my father in law is moving into in a new Mcarthy Stone development. 
I am struggling with what the front door lock is. I can't see a BS kite on it and all of the options have something wrong with them. Could anybody help please

You could change the barrel to BS kite mark then you would know that nobody has a key
You could retain the thumb turn but it has a security disadvantage but also a positive ease of exit in the event  of fire 
If replacing barrel make sure you get the right length and retaining screw position also have star ratings.
It only takes a few minutes to remove the barrel it is retained by one screw which I think is the screw below the bolt.

35har1old

Mark_d said:

Looks like "A different type of lock" to me.  The approved types of lock require a key to exit the door.

You can get kite marked thumb turn locks

35har1old

grumpy_codger said:

Boohoo said:

grumpy_codger said:

Boohoo said:

I don't think it's a different lock.

The inside is a thumb turn lock so no key needed to lock the door from the inside but a key is needed to gain entry from our 
....

Have you ever seen a (house external) door with a multipoint lock that doesn't need a key to gain entry from outside, i.e. with two thumb turns?

My point being that all multipoint locks are key-operated at least on one side, i.e. it makes no sense to specify 'key-operated' if the requirement is for at least one side.

...
... I was saying I don't think it s a different type of lock but a multi point type.

Yes, it is multi point type, but IMO, not 'key-operated'. In this case the only option out of 5 is 'other type'.

You just have to change the barrel
and the one that is ticked is the only one that will work.
If you want to use any other type of lock you might end up replacing door

35har1old

MisterNick said:

Thanks for the responses. It seems there is no difference in cost between them so I think I will go with different lock.

They range from £12 to £70 it all depends on the rating 

singhini

@MisterNick
Could you visit a local locksmith shop and ask them which of the 5 options best match your pictures? (just a thought)

WIAWSNB

I think this is being overthunk.
Yes, it's a 'key-operated' lock.
It's also almost certainly a 'multipoint' lock, but the OP could confirm by showing more of the door's leading edge - are there bolts and hooks coming out towards t'top and bott when you operate the lever?
The 'no difference in cost between them' is, I'm guessing, a reference to the premiums being generated.
But, re your OP, OP, you have almost certainly ticked the correct lock there.
And it's a perfectly good lock.

MisterNick

Thanks everybody for your contributions. 35har1old - it is the insurance premium which remains the same whichever lock I use. 
In any event I think it would be too much hassle to get the landlords permission to change the lock in any way.
By ticking the different type then I think it is for the insurance co. to come back if they are unsure, but to my untrained eye I think the lock is more than adequate
Thanks all for taking the time to reply

WIAWSNB

MisterNick said:

Thanks everybody for your contributions. 35har1old - it is the insurance premium which remains the same whichever lock I use. 
In any event I think it would be too much hassle to get the landlords permission to change the lock in any way.
By ticking the different type then I think it is for the insurance co. to come back if they are unsure, but to my untrained eye I think the lock is more than adequate
Thanks all for taking the time to reply

Confirm that the locking edge of the door does have bolts/hooks that pop out top and bottom as you pull the handle upwards. 
If it does, then you have ticked the correct type in your OP, and that is usually a better option than ticking 'other'.

MyRealNameToo

MisterNick said:

Boohoo said:

Also as it's a M/S development place is harder to get insurance for this type of property?

Could you elaborate on that please?
I wanted £7,500 cover, but also wanted AD and Legal exp. Lemonade were £74, I may go for the Admiral Platinum at £80. £150k sum insured which is over the top but price ok - He gets tenants liability cover with Admiral. 

Standard home insurance includes tenant liability as standard, like all covers it is per incident so if they spot several different problems on checkout that would be several different claims and excesses. Like your own cover its only there for major incidents rather than minor ones. 

It is a key operated multipoint locking system but some insurers won't like the fact its not key operated from the inside

Personally would be changing the eurocylinder whenever moving into a new property anyway so would just get one thats key operated from both sides.