Reduce home insurance premiums with Yale Although installing new locks can be an unwanted expense, it is a small price to pay for peace of mind and you may be able to recoup some of the costs through lower insurance premiums. Now many insurance companies insist on a British Standard mortice lock to secure your property. Other companies offer a discount off the normal premium if your property has a higher degree of security, which can be achieved by installing a lock conforming to BS 3621. This discount can be up to 5% off your home contents insurance premium. However, if you are unfortunate enough to have a break-in, remember that the locks must have been in use at the time of the robbery if you want to make a successful claim. Aside from the benefits of a discounted rate on home insurance, locks conforming to BS 3621 offer a higher degree of security to protect you, your family, your home and your valuables. Mortice locks are available in a range of sizes, security levels and functions. For more information on which lock is right for you visit our product pages.