The majority of Australian householders may have no idea of the precise type of locks fitted to any of their doors, but believe that existing locks meet safety standards, despite the warnings of insurance commentators.

Householders could find themselves thousands of dollars out of pocket if their home is burgled and they try to make an insurance claim unless they check the security specifications in their policy. If the insurer believes the locks don’t measure up to standards, it could lead to a claim on a policy being classified as invalid.

A brand new home may have clear and detailed specs when it comes to the locks fitted to doors, windows and gates, but it’s difficult to tell which locks are on an older home without the benefit of specialist knowledge, which is where a professional locksmith comes in. He can check the door locks and the window locks and make sure they meet your policy’s stipulations.

If you are unsure of which locks you have at home, and don’t ask for expert advice from your local locksmith, you may end up paying a substantially higher premium on your policy – or having a burglary claim rejected.