Window Locks for Insurance: What’s Required in the UK?

When it comes to home insurance in the UK, most people focus on alarms, cameras, or door locks. But one commonly overlooked detail is your window security—specifically, whether your window locks meet your insurer’s standards.

At Windows and Doors Newcastle, we often get asked: “Do I need window locks for my home insurance to be valid?” The answer is usually yes.

In this guide, we’ll explain what UK insurers typically require, what types of locks count, and how to make sure your windows aren’t putting your policy—or your home—at risk.

Why Window Locks Matter for Insurance

Most home insurance providers in the UK include window security in their policy terms. If your windows don’t meet the required standards, you could:

• Face higher premiums
• Be denied cover for burglary-related claims
• Be considered as having under-declared security (a potential reason to void your policy)

So it’s not just about safety—it’s about protecting your policy, too.

What Window Locks Do Insurance Companies Typically Require?

Key-Operated Locks on Ground Floor and Accessible Windows

This is the minimum standard most insurers expect.

If a window is on the ground floor, easily reachable (like above a flat roof or balcony), or opens wide enough for someone to climb through, it should have a key-operated lock.

These locks must be:

• Independently operated with a key
• Lockable from the inside
• Engaged whenever the home is left unattended

Simply having a handle that “clicks shut” isn’t enough.

Multi-Point Locking Systems

Many modern uPVC or aluminium windows already come with multi-point locks. These systems secure the window at several points along the frame when the handle is turned and locked.

If your windows have these and are key-lockable, they usually meet insurance requirements.

Sash Window Locks or Stops

For traditional sliding sash windows (common in period homes), insurers usually accept:

• Sash stops that limit opening distance
• Sash fasteners that secure the meeting rails
• Added key-operated locks or secondary pins

If you live in a conservation area or have older timber windows, upgrading these locks can be done without changing the window’s appearance.

How to Check If Your Current Locks Are Compliant

Here’s a quick checklist:

• Can the window be locked with a separate key?
• Is the key removed when the window is shut?
• Is the lock usable on every accessible window?
• Are all locks in good working order (not jammed or loose)?
• Do you have keys available for each lock?

If you can’t answer yes to all of the above, it might be time for a security upgrade.

What Counts as an “Accessible Window”?

Insurers usually define this as any window that can be opened and is:

• On the ground floor
• Above a flat roof or garage
• Easily reachable from outside
• Adjacent to a downpipe, fence, or shed that could be climbed

First-floor windows often count if there’s a nearby structure that aids access.

Do You Need to Prove Your Window Locks?

Usually, no one will inspect your locks when taking out a policy. But if you make a burglary claim, your insurer may:

• Ask you to describe the locks
• Request evidence that they were used at the time of break-in
• Refuse payout if there’s no visible damage or sign of forced entry

It’s worth taking a few photos of your locks and keeping keys labelled and stored securely.

Can You Add Locks to Existing Windows?

Yes—and often without needing to replace the whole window.

Options include:

• Retrofitted key-operated handle locks for uPVC frames
• Sash window bolts or stops for timber frames
• Lockable restrictors for added child safety and security

At Windows and Doors Newcastle, we can upgrade most window locks without disrupting the glazing or frame integrity.

Final Thoughts

If you want your home insurance policy to protect you fully, having the right window locks is a must.

In most UK homes, that means:

• Key-operated locks on all accessible windows
• Locks that are actually used and kept in good condition
• Having keys available and removing them when locked

It’s a simple step that can prevent major issues down the line.

Need help checking or upgrading your window locks? Contact Windows and Doors Newcastle for a free security check. We’ll make sure your windows are safe, secure, and fully insurance-compliant—so you can rest easy, whatever the weather.