How to Safeguard your Home and Reduce your Insurance Premium

When looking for home insurance it’s crucial that you have the best possible locks fitted, not only will this give you the best protection for your house but it could also save you money on your insurance premium. 

When you apply for cover, the insurer will ask you what sort of locks you have fitted to your property. In most cases you should receive a discounted premium providing that you have a higher degree of security, it is important to consider that in some areas, if your locks are not up to standard, then you might struggle to get insurance cover at a reasonable price.

How to keep your home secure

Most crimes are against property rather than people, we will outline a few tips on how you can make your home and valuables more secure. Many of the suggestions listed are common sense and if fully implemented will go a long way towards making your home and property more secure and potentially saving you the distress and expense of being the victim of a burglary.

The majority of crimes are opportunistic, spur of the moment events and can be the result of leaving a door or window open or having valuables left on view.

Firstly, let’s start to make life awkward for the burglar by taking these simple and cost effective precautions.

Many burglars are opportunistic and they often don’t even have to resort to using force, they simply let themselves in through an open window or door.

· Take a look at your property from a burglar’s perspective.

· Are there any unsecured windows or doors?

· Are your window and door locks strong and secure enough?

· Are there any places hidden from view where someone could attempt to break in?

· Would they have to make a lot of noise to break in by attacking doors or breaking glass?

Windows

One in three burglars gain entry through a rear window. Window locks are an effective deterrent because they force the thief to break the glass and therefore risk drawing attention to himself.

If the window lock is visible, this will also further deter a criminal. There are many types of window locks available with keys for all kinds of windows and frames from your local locksmith. A qualified locksmith is best suited to advise you on the best lock to suit your requirements.

Fit window locks with keys to all vulnerable windows, in particular all ground floor and basement windows, all upstairs windows that are not visible from the street, all windows that can be accessed via drainpipes and gutters or via flat roofs. You should even consider small windows and skylights - bear in mind that a burglar can squeeze through any opening that is larger than a human head.

For UPVC windows, make sure you check with your window fitter before fitting locks as this may affect your warranty.

Remember not to leave your keys in locked windows and store them in a safe place. Consider getting a small key cabinet, these can be inexpensive and will have other benefits which we will touch on later in this series.

Louvre windows can be particularly vulnerable as burglars can remove window slats with ease. Glue the slats into the end plates and if you can find something suitable for Louvre windows, fit a locking device. Here again your local locksmith might be best placed to advise. Also, if you can - consider replacing louvre windows with fixed glass.

When replacing windows, consider using laminated glass as this is harder for burglars to penetrate. Also, think about fitting security grilles to openings that might be vulnerable to attack, such as basement windows that cannot be viewed from the road.

Doors

· Make sure all your doors, front and back are secure.

· Doors should be strong and in good condition and at least 44mm thick (2 inches).

· Any glass panels located on or around doors can pose a risk to security and you should consider replacing them with laminated glass if necessary.

· Make sure all doors are fitted with five lever mortice deadlocks and that you use them. They should be fitted about a third of the way up the door.

· Insurance companies normally ask for locks to have a kite mark to British Standard BS3621.

The benefit of a deadlock is that it can only be opened with a key. So even if a burglar smashed a nearby glass panel to reach inside, he still wouldn’t be able to open the door. Also, if a thief gets in through a window, they won’t be able to carry your possessions out via your deadlocked door.

Letterboxes - do not leave spare keys hanging inside your letterbox as this is an obvious place that a burglar will explore. Thieves are very adept at fishing for keys through letterboxes using poles and magnets, so never leave keys visible anywhere near your front door. That includes your vehicle keys; locking security on modern cars is so strong now that it is virtually impossible to steal a vehicle without having the keys. Hence, would be car thieves have to resort to breaking into homes or fishing for keys through letterboxes. Here again, consider getting a small key cabinet to store your keys. Consider fitting a letterbox cage, this will prevent burglars from getting their hands or special tools inside in order to try the latches.

Exterior doors - Fit solid good quality bolts with strong screws to the top and bottom of exterior doors. For French doors, fit a mortise lock in conjunction with bolts top and bottom of the door.

For UPVC doors check with your installer to ensure that you are not invalidating your warranty before fitting locks and bolts. It is also worthwhile getting some expert advice from your local locksmith.

When buying UPVC or metal framed doors or windows, make sure they come pre-fitted with built-in locks.

Garages and Sheds

Garages and sheds should be kept locked and secure as they are often full of expensive tools and things such as ladders that the burglar could use to break into your home. If the garage has a door connecting it to the house, the burglar can easily try and gain entry via the inner door unobserved.

Make sure your shed has a good sturdy door with strong hinges and that it has a good quality hasp and staple fitted with a security padlock.

If possible make sure ladders are locked away in a garage or shed. If left outside, ladders should be chained up to a strong bracket and in a horizontal position. Check to see that there are no other objects outside that can be used as climbing tools to gain access to first floor windows.

If you would like more information on securing your home, call us on 01268 562 562 or visit the experts at our Trade Counter – Unit 3 Pilot Close, Flumar Way, Wickford, Essex, SS11 8YW

This new L&F electronic combination lock product can be retrofitted to cupboards and lockers etc. as a direct replacement for existing cam locks. They can also be fitted to furniture that does not have an existing lock. The lock has a solid Mazak housing and is IP54 rated which makes it suitable for use in wet areas.

The lock is battery operated and allows the user quick and simple access without the use of a key. The two AAA batteries supplied should provide for in excess of 15000 openings. When the batteries are running low, the Red LED will flash 3 times before the Blue code acceptance LED flashes. Furthermore, there is a battery failure override – a PP9 battery can be placed against the contact points next to the LED’s so that the lock can be opened in order to replace the batteries.

The Electronic lock has a 10 numeric keypad plus a # button which is hidden beneath the handle when the lock is in the locked position. By default the lock is pre-programmed for REPEATED USE where the same number will be used all the time. The locks can also be re-programmed for SINGLE USE which is used for short term use such as locker rooms - the user enters a single code which will lock and then unlock the furniture once only.

There are three User Code levels.

The 4 digit USER CODE can open the lock and change the user code.

The 8 digit SUB-MASTER CODE will change the Sub-Master and set, change or delete the User Code.

Finally, the 8 digit MASTER CODE can change the Master Code and change, set or delete any of the above.

An additional security feature is the Penalty Function, where on entering three incorrect codes the lock shuts down for 10 seconds.

Ojmar Coin Return Locks are available with many different options and specifications. The locks are high quality and have features such as the Anti-reservation function. Also referred to as the penalty function, the master key can be used to open the locker in emergencies. It also works as a device for preventing Locker Reservation by allowing for opening and closing without the use of a coin. This means that the user will lose their coin if they do not leave the locker free when required.

Right or Left handed where right handed is for doors that have the hinges on the right hand side of the door.

Different Coinage available – 20p, 50p, £1 or adjustable to future proof against coin size change.

Coin retaining or Coin returning

Wet or Dry area – All the materials used in the wet version are highly rustproof and ideal for wet area applications.

Removable Cylinders – All the locks have removable cylinders and the wet area locks are also interchangeable between the differing key versions below. This acts as an additional security measure in the event of the loss or theft of a key.

Key Versions – Dry Area-Keys are double sided/ double entry (teeth on both sides of the key) and numbered between V0001 –V4258 (older locks have keys ranged from Y0001-Y2254)

Key Versions - Wet Area – Single Sided keys (teeth/cuts down one side). Locks have six stainless steel pins for greater resistance and security. Keys are available in four different profiles – J, K, L & M.

Wet Area locks can also be supplied with High Security Keys and the cylinders are interchangeable with the single sided version.

Master and Cylinder Removal Keys are available under many different suites. On most cylinders, the Master Key reference is quoted on the side of the barrel just below the lock/key number.

Fast Key Service stock the classic wet area version that is right handed with two security keys suited under Master Key Reference: 4020419. Ojmar Coin Return Lock.

Fast Keys cut and dispatch replacement Ojmar keys same day by first class post. When ordered via their website, prices per key range from £1.70 to £2.30 depending on quantity ordered. Security keys are £5 each and are specially ordered from the Ojmar factory in Spain. FKS arranges for at least one express shipment per week to ensure fast delivery of orders.

When it comes to securing your home, you might be surprised to learn that you’re making some common mistakes. Read on to discover five of the biggest security fails that can put your home at great risk.

1. Hiding Keys Under the Doormat

It might have worked ‘back in the day’, but hiding a key under your doormat provides an easy way for burglars to gain access to your home. It’s an obvious spot that burglars will look at immediately, so you might want to find a more creative place to store your spare keys.

The further from your house the key is hidden, the better. It’s a good idea to disguise the hiding place so that it’s not obvious what is stored there. For example, using a fake rock that is immersed within real rocks can be a great place to hide a key so that it’s invisible to everyone but you. Or, for guaranteed protection, you could use a key safe to store a spare key. Only those who know the locking combination will be able to access it.

2. Not Changing Your Locks

Getting handed the keys to your property is an amazing feeling, but you could be leaving it at risk of a break-in if you don’t switch the locks soon after you move in. You don’t know who has a spare key to your home if you keep the original locks, so getting replacement locks in place will give you added peace of mind.

3. Posting Too Much Information Online

It’s understandable that you’ll be excited about taking trips or going away on holiday, but if you’re posting about it to all your social media channels, you could be providing an open invitation for break-ins. Posting online lets people know when you’re not going to be home, making your property prime real estate for burglars.

Social media may feel like a safe space to share your whereabouts, but remember that it’s not only your friends and family that can see your posts – it’s also friends of friends who might be looking for a target. In order to keep your property safe from unwanted access, make sure that you’re careful about what you post and don’t give too many details about when you’re going to be away from your home.

4. Relying on Static Lights

For a lot of people, outdoor lighting serves as a solution to their home security requirements. It feels like a suitable deterrent to have a light that is either switched on at the end of the day or that is set to a timer in the evening. But while these lights are great for brightening up your outdoor space, it can also create pockets of shadows that are perfect for hiding behind.

Motion sensors are a better solution as they are triggered by movement, so they can scare intruders away when they suddenly switch on. They also save energy as they aren’t on all the time. These lights, when combined with secure locks and other security measures, will help to keep burglars away from your home.

5. Leaving Signals Like Packages and Post for Intruders

Whether it’s because you’ve gone away on holiday or because you work long hours during the day, it can be easy for post and packages to build up outside your home. These are little details that we don’t think twice about but a potential intruder will see this as evidence that you’re not home, making your property a target for a break-in.

It’s also a common misconception that break-ins and robberies don’t take place during the daytime - a lot of thieves actually take advantage of the fact that houses are empty during daylight hours. So, before you head off for your day, make sure that you have your alarm system on, the doors and windows are locked securely, and that you have some sound on inside (like a radio) to deter intruders.

It’s also a good idea to ask a neighbour to take in parcels if you’re going to be away for long periods of time to prevent them from building up outside. This not only prevents people from seeing that no-one is home, but it also keeps your parcels and letters safe, too.

Conclusion

Keeping your home safe is of paramount importance, but it’s the little mistakes that can often lead to us being caught out. From being careful about when and how often you post about your life to making sure your locks are secure, there are several ways to stay one step ahead of intruders.

How To Replace Your Letter Box 

If you need to replace your letter box due to it being damaged or faulty, you’re in the right place. Here’s a quick guide to show you how to replace your letter box.

Things To Remember Before Buying

It’s important to remember that your new letter box needs to be both fire and smoke retardant, so make sure this is the case before purchasing to avoid wasting both your time and money on one that isn’t.

With multiple different colours and designs of letter box hardware available, you can find the right style that’s both practical and suitable for your home or business. 

How Do I Know What Size Letter Box To Buy?

Though it’s not entirely important as to what size your overall letter box is, the internal size does matter. Getting this wrong could result in the letter box’s sleeve failing to properly fit through the space in your door.

For uPVC letter boxes, there are usually 3 general sizes, these being:

• 10inch letter boxes (265mm x 70mm)
• 12inch letter boxes (305mm x 70mm)
• 12inch slimline letter boxes (317mm x 50mm)

Using a tape measure, measure the overall size of the letter box, and then lift up the external flap and measure the actual postage slot of the letter box.

From here, measure the thickness of your door, making sure you measure the height, width and depth of the aperture. These measurements will help you to find the correct sized letter box suitable for your door.

Is It Easy To Replace A Letter Box?

It’s really quick and easy to replace a letter box and you don’t need any previous skills or experience in DIY to complete the task. You also won’t need any specialist tools or equipment on hand, as just a screwdriver and a tape measure are required from start to finish.

Once you’ve measured and purchased your letter box, both removing your previous one and replacing it takes just a matter of minutes to complete. 

How Do I Remove and Refit A Letter Box? 

Step 1: The first step to take is to lift the flap up from the inside of the letter box, and using a screwdriver, carefully remove the two screws placed at either end of the panel.

Step 2: Once both screws have been removed, open the door itself, and remove the letter box by gently pulling it apart from both sides of the door – it should come away from the door very easily.

Step 3: Having measured the size of your new letter box, you’ll be able to quickly check that the inside measurements align with the gap in the door, and that the letter box as a whole covers this gap completely.

With your new replacement letter box, put it back into the hole of the door, gently pushing both parts into the slot from either side of the door so that it’s fixed into place. The screw holes will always be on the inside of the letter box, so remember this if you’re unsure which way the letter box is meant to go. 

Step 4: While holding the letter box in place from the outside door, use your screwdriver to refit the two screws on the inside of the letter box, so that it is securely fitted. Make sure the screws and fixings are aligned correctly and evenly, and be careful not to over-tighten the screws, as this could cause damage. 

This whole process will take just a few minutes to complete, and your letter box will then be replaced and ready for use again.

Be sure to take all health and safety standards into consideration before completing any kind of installation or home improvement and seek further help and advice should you need any assistance with this.

Re-key Vs. Replace Locks – How to Decide What's Best for You

From moving into a new home and wanting added security to ensuring old employees can’t access filing cabinets, there are a number of instances that may require you to either rekey or replace your locks. Whatever your reason may be, it can sometimes be tricky to decide whether rekeying or replacing the lock is most beneficial. This guide will take you through how to make a practical decision.

What Does It Mean to Rekey A Lock? 

When rekeying a lock, you need to alter the lock mechanism to ensure the old key no longer opens it, and replacement keys are needed to do so. The rekeying process involves removing the pins and springs within the lock cylinder, and then replacing these with new pins and springs that work and fit with a new key.

Rekeying a lock is a popular option for people who simply want to maintain key control, usually after a house move or having lost a key, to ensure unwanted people can’t gain access. Key control refers to accounting for all the keys made to operate that specific lock - once keys are loaned out to friends, family members or colleagues, the key control is then lost.

The Benefits of Rekeying A Lock

Because locks are often lubricated during the process of rekeying them, they ultimately operate more smoothly and with greater ease as a result of this process.

If a completely new style of lock isn’t required, rekeying a lock is an affordable choice to make, as it is a quick method that doesn’t take the lock out of service for a prolonged length of time. Rekeying a lock is therefore particularly ideal for locks for domestic door keys, as the process is both fast and easy, while also providing an increased sense of security for your home. 

What Does It Mean to Replace A Lock?

There are many reasons as to why people may want to replace a lock, including wanting to update to a more modern lock such as an electronic one, or to replace the locks purely for aesthetics. But, if a lock is damaged and beyond the help of rekeying, replacement locks are the best option. 

With so many different types of lock available, those redecorating or making home improvements may choose to replace the lock with one that complements the design of the building. Another common reason for replacing locks is to accommodate the person using them. Lever handle locks, for example, are generally much easier to use than locks that include a knob handle, and are therefore a popular choice for those with disabilities or people suffering from pain in their hands. 

The Benefits of Replacing A Lock 

Finding the right lock with the right security is crucial in ensuring both your home and belongings are kept safe. One of the benefits of replacing a lock is to customise the lock to suit your preferences, from the ways in which the lock looks and feels to the levels of protection it provides. Replacing your locks also gives you the opportunity to upgrade the security they deliver, with the option to pick new and improved designs that are currently on the market, as opposed to just rekeying and having to stick with the lock you already have. 

Is It Cheaper to Rekey Or Replace Locks?

Generally speaking, rekeying a lock is a cheaper option compared to replacing it. This is due to the fact that replacing a lock involves paying out for an entirely new lock body, whereas rekeying means you’ll just have to pay for the new replacement pins and springs within the lock instead.

Overall, it’s best to look at all the options and all the kinds of lock available before making your decision, as well as assessing the reasons as to why the lock needs changing overall, to determine which benefits will be most advantageous to you.