Era advices people to check their insurance policy documents to ensure that their levels of home security would enable them to make a full claim in the unfortunate event of being burgled.

A recent, high profile, case has shown that it can be something very simple, like windows without locks, which can make all the difference to the outcome of a claim.

Dave Hill, Era’s director and general manager, says “Being burgled is one of the worst things that can happen to you. Finding out that your insurance is invalid because simple security measures have not been taken would be too much for most of us to bear.”

Hill continues “If you find that the level of your home security would not satisfy your insurance company then remedial action can be taken quickly. Most high quality locks for windows and doors are easily available, modestly priced and easy to fit. So check the small print today and make sure you don’t get caught out.”

A further advantage of having suitable home security is that many insurance companies will offer a discount on premiums. The Association of British Insurers advises that key operated locks should be fitted to all accessible windows. In particular, those on the ground floor or those that could be reached by a near drainpipe or the flat roof of a porch or adjacent building.

For doors the ABI recommends;
• Outside doors should have deadlocks that at least conform to BS3621. These locks can only be opened by a key
• Doors that usually lock from the inside (e.g. the back door) should also be fitted with bolts.
• Sliding patio doors should have additional security locks fitted to prevent the sliding frame being lifted off the tracks.