Unemployment, Accident & Sickness Insurance - British Insurance

Home Insurance Guide

Keeping your home safe

Here are some hints and tips to keep your holiday home possessions and contents safe.

Doors and Windows

Make sure you close your windows and doors when you leave your home or go to sleep at night.

Take some time to check out the locks you have in your home.

We recommend that the lock on the main door has a British Standard 3621 mark. Otherwise, make sure it is a mortice deadlock of at least five levers or any rim automatic deadlatch with a key locking handle on the inside. You can find explanations about what those locks look like in our jargon buster.

For any other external doors, they should either be to the above standard, or have a lock and key operated security bolts fitted at the top and bottom. For sliding patio doors, key operated patio doors mounted internally on the centre rails are also adequate.

Opening windows on the ground floor, basement and accessible upper floor windows should be fitted with key operated security devices or shutters securely locked internally.

Bicycles

Lock your bicycles to an immovable object whenever you are not riding them.

Alarms

If you have an alarm, make sure it is maintained, and on when nobody is in the house.

Discourage burglars

Most burglars look for easy targets – so if they see an opportunity they are more tempted to break in. To reduce your chances of theft:

  • Check around your house for security weak spots such as concealed entrances, poor lighting or doors and windows that can be opened from the outside.
  • Lock away garden tools and ladders that could help a thief break in, and lock sheds and garages too, especially if they adjoin your home.
  • Photograph any valuable items, and if possible security mark them with your postcode and house number
  • Never leave keys in a lock, or a ‘secret’ hiding place like under the mat – burglars know them all!
  • Trim garden hedges so that doors and windows can be seen and no-one can hide.
  • Always lock your shed or garage – especially if it has a connecting door to your house.

Jargon Buster

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FAQs

Q: Can I rent my holiday home out?
Q: Can I get covered straight away?
Q: How can I pay for this insurance?
Q: What are my cancellation rights?

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