Type of lock for insurance purposes

Boohoo

WIAWSNB said:

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.

No difference in cost

A few years ago I switched insurance companies and I ticked "different lock type" and the cost was more or less the same as a multi point lock as my front and back door were old uPVC  and only had 2 x mushroom locking runners and when lifting up handle engaged into the keeps and the door barrel had a deadlock when the key was turned so only 3 point locking system. I hope you understand this.

When I got the policy documents in the post there was 2 endorsements on the policy and they stated that if entry was gained through the doors with other type locks I would not be covered.

Called them up and explained and was told my door was a multi point locking type and the policy was amended FOC.

OP it might be worth checking this out with the insurance company you opt for before paying.

WIAWSNB

Boohoo said:

No difference in cost

A few years ago I switched insurance companies and I ticked "different lock type" and the cost was more or less the same as a multi point lock as my front and back door were old uPVC  and only had 2 x mushroom locking runners and when lifting up handle engaged into the keeps and the door barrel had a deadlock when the key was turned so only 3 point locking system. I hope you understand this.

When I got the policy documents in the post there was 2 endorsements on the policy and they stated that if entry was gained through the doors with other type locks I would not be covered.

Called them up and explained and was told my door was a multi point locking type and the policy was amended FOC.

OP it might be worth checking this out with the insurance company you opt for before paying.

Sorry, I don't understand what you mean by 'I hope you understand this'. 
The second BiB is a salutary point that I hope the OP notes. 

MyRealNameToo

WIAWSNB said:

Boohoo said:

No difference in cost

A few years ago I switched insurance companies and I ticked "different lock type" and the cost was more or less the same as a multi point lock as my front and back door were old uPVC  and only had 2 x mushroom locking runners and when lifting up handle engaged into the keeps and the door barrel had a deadlock when the key was turned so only 3 point locking system. I hope you understand this.

When I got the policy documents in the post there was 2 endorsements on the policy and they stated that if entry was gained through the doors with other type locks I would not be covered.

Called them up and explained and was told my door was a multi point locking type and the policy was amended FOC.

OP it might be worth checking this out with the insurance company you opt for before paying.

Sorry, I don't understand what you mean by 'I hope you understand this'. 

the description of how their door locked, seems to be a multipoint system but used mushroom rollers rather than hooks though they called them mushroom running locks. 

Boohoo

WIAWSNB said:

Boohoo said:

No difference in cost

A few years ago I switched insurance companies and I ticked "different lock type" and the cost was more or less the same as a multi point lock as my front and back door were old uPVC  and only had 2 x mushroom locking runners and when lifting up handle engaged into the keeps and the door barrel had a deadlock when the key was turned so only 3 point locking system. I hope you understand this.

When I got the policy documents in the post there was 2 endorsements on the policy and they stated that if entry was gained through the doors with other type locks I would not be covered.

Called them up and explained and was told my door was a multi point locking type and the policy was amended FOC.

OP it might be worth checking this out with the insurance company you opt for before paying.

Sorry, I don't understand what you mean by 'I hope you understand this'. 
The second BiB is a salutary point that I hope the OP notes. 

The paragraph about my old door lock which some people might not know what I am writing about. It was hard for me to explain.

Boohoo

MyRealNameToo said:

WIAWSNB said:

Boohoo said:

No difference in cost

A few years ago I switched insurance companies and I ticked "different lock type" and the cost was more or less the same as a multi point lock as my front and back door were old uPVC  and only had 2 x mushroom locking runners and when lifting up handle engaged into the keeps and the door barrel had a deadlock when the key was turned so only 3 point locking system. I hope you understand this.

When I got the policy documents in the post there was 2 endorsements on the policy and they stated that if entry was gained through the doors with other type locks I would not be covered.

Called them up and explained and was told my door was a multi point locking type and the policy was amended FOC.

OP it might be worth checking this out with the insurance company you opt for before paying.

Sorry, I don't understand what you mean by 'I hope you understand this'. 

the description of how their door locked, seems to be a multipoint system but used mushroom rollers rather than hooks though they called them mushroom running locks. 

Thank you that's what I was on about.

They were the old Ferco locking system on the doors that were about 35 years old.

Spinybif

Be careful changing lock type. As a landlord the management company for my block of flats have insisted the front door lock must be changed to a thumb lock under fire regs. In tenanted blocks key operated locks are no longer allowed as they may slow down the ability to escape. 

grumpy_codger

Spinybif said:

Be careful changing lock type. As a landlord the management company for my block of flats have insisted the front door lock must be changed to a thumb lock under fire regs. In tenanted blocks key operated locks are no longer allowed as they may slow down the ability to escape. 

My friend had to do the same for a single Airbnb flat with a separate external door.

MisterNick

Again, thanks for the reply. I get the thumb lock principle, but they have a "stay put" policy in the event of fire. i have real difficulty understanding how some of these fire risk dynamics interact with each other.