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Smart lock home insurance

Updated: 16 October 2026

You are about to change the lock on the door a UK home policy treats as a final exit, and a product page has said the insurer will not mind. That is where a claim argument starts. Smart lock home insurance turns on the sentence in your own schedule. This page is from the Products Compared editorial team, using public UK insurer explainers and the eleven amazon.co.uk listings in our [smart door lock](/hub/electronic-surveillance/smart-door-lock) comparison on 15 October 2026. We did not read your policy, and we did not laboratory-test the locks. A qualifying purchase can earn us a commission at no extra cost to you.

You are about to change the lock on the door a UK home policy treats as a final exit, and a product page has said the insurer will not mind. That is where a claim argument starts.

Our top picks

Nuki Nuki Smart Lock Ultra, euro cylinder included

Best overall

Nuki Nuki Smart Lock Ultra, euro cylinder included
9.2/10about £309
View offer
Nuki Nuki Smart Lock Pro, retrofit, Wi-Fi

Alternative

Nuki Nuki Smart Lock Pro, retrofit, Wi-Fi
8.8/10about £229
View offer
Yale Yale Conexis L2, chrome, with Wi-Fi bridge

Alternative

Yale Yale Conexis L2, chrome, with Wi-Fi bridge
7.2/10about £188.98
View offer
On this page
  1. 1.What UK policies tend to name
  2. 2.Retrofit or replacement
  3. 3.Marks that are not synonyms
  4. 4.Connected-product duties

What UK policies tend to name

Insurers do not share one national lock rule, and your schedule wins over any article. Allianz UK says most insurers still want a traditional lock to BS 3621 alongside a smart lock, and that you tell them before you fit one. MoneySuperMarket points BS 3621 at mortice locks, while multipoint doors are where it brings in SS312 or TS 007. West Yorkshire Police’s Q79 answer treats a nightlatch as an extra lock beside a mortice or a multipoint. AXA Connect’s endorsement LC01 applies to Extra and First policies only: a BS 3621 lock or a key-operated multipoint of at least three points, and keys taken out of the locks when you are away.

Retrofit or replacement

Clamping a motor over a cylinder you leave in place is a different case from changing the hardware a schedule described. The Nuki Smart Lock Pro is the retrofit: the included line is the lock only, the key stays inside, and your cylinder remains. The Nuki Smart Lock Ultra ships with a universal cylinder and new keys, at £309.00. Fitting it means the cylinder a surveyor noted is no longer the one in the door. The Yale Conexis L2 replaces the handle on a PVC or composite lift-to-lock door. Nuki’s site says its locks do not affect insurance. Allianz says tell the insurer before you fit one. The mechanical split is on Yale Conexis vs Nuki, and the format your door can take is on the smart door lock buying guide.
Nuki Nuki Smart Lock Ultra, euro cylinder included

Testsieger

Nuki Nuki Smart Lock Ultra, euro cylinder included
9.2/10about £309
View offer

Marks that are not synonyms

BS 3621, BS 8621, TS 007, Sold Secure SS504, and a BSI Kitemark for connected products answer different questions. BS 3621 is the mortice standard many policies name. TS 007 is a star scheme for euro cylinders and the furniture around them. An IoT Kitemark is a connected-product mark. Yale’s UK site states a BSI IoT Kitemark for the Conexis L2. It is a different document from a BS 3621 certificate. None of the eleven listings in this comparison prints BS 3621 or TS 007 in the captured bullets. If your cylinder already carries TS 007 stars, swapping it for an unmarked universal cylinder is the change to describe.

Connected-product duties

From 29 April 2024, UK Product Security and Telecommunications Infrastructure rules apply to consumer connectable products. GOV.UK’s guidance sets three duties: no universal default password, a public route to report a security issue, and a published period for security updates. PSTI is also silent on whether you may remove a TS 007 cylinder. Where AXA’s LC01 applies, it wants keys removed when the home is empty. A Nuki Pro is built to leave a key in the inside of the cylinder. That clash is for the insurer to reconcile. Once they have agreed, the fitting order is on how to fit a smart door lock.

Common questions

Will a smart lock void my home insurance?
It can put a claim at risk if you remove a lock the policy requires and you never told the insurer. Allianz UK says most insurers still want a traditional BS 3621 lock alongside a smart lock, and that you tell them before fitting. Your schedule is the binding wording. A brand page that says you need not inform the insurer does not replace the insurer’s reply. Ask in writing and keep the answer.
Where do I look for BS 3621?
Look on the faceplate of the mortice lock and on its packaging, not in the smartphone app. Allianz points householders at that mark for the traditional lock. None of the eleven listings in our comparison prints BS 3621 on the amazon.co.uk bullets captured on 15 October 2026.
Is TS 007 the same as BS 3621?
They are different standards. BS 3621 is the mortice standard named in many home policies. TS 007 is a star scheme for cylinders and associated furniture, which MoneySuperMarket mentions for multipoint doors alongside SS312. Secured by Design lists TS 007 separately from BS 8621 and from Sold Secure SS504. A starred cylinder does not become a BS 3621 mortice.
Is a nightlatch enough on its own?
West Yorkshire Police and MoneySuperMarket treat a nightlatch as an additional lock, used with a mortice or a multipoint. A Yale Keyless keypad on a 60 mm nightlatch can be the right product for that rim lock. If the schedule names a BS 3621 mortice or a multipoint of at least three points, the nightlatch remains the extra.
Does fitting a Nuki Ultra change the cylinder my policy described?
Yes. The Ultra’s box includes a universal euro cylinder and new keys, so the cylinder in the door changes. The listing is £309.00, and the bullets do not name BS 3621 or TS 007. If a survey or a schedule described the old cylinder, tell the insurer in writing before you remove it. The Nuki Pro is the listing here that leaves the existing cylinder in place.
What does PSTI change for a connected lock?
From 29 April 2024, consumer connectable products fall under GOV.UK’s product-security rules: no universal default password, a vulnerability report route, and a published update period. That is a duty on the connected product. It does not replace BS 3621, TS 007, or the lock sentence in a home schedule.

Related pages

Best smart door locks

Smart door lock

Smart door lock buying guide: match your mechanism

How to fit a smart door lock: measure and then fit

Yale Conexis vs Nuki: handle, Pro, or new cylinder

Sources

Public UK sources for the standards, insurance wording, and product-security rules, last checked on 15.10.2026. Prices and star ratings are the amazon.co.uk figures captured that day.

  1. GOV.UK: Regulations for consumer connectable product security (retrieved 15.10.2026)
  2. Product Security and Telecommunications Infrastructure (Security Requirements) Regulations 2023 (retrieved 15.10.2026)
  3. Allianz UK: Stay insured with the right house locks (retrieved 15.10.2026)
  4. MoneySuperMarket: What locks do I need for home insurance? (retrieved 15.10.2026)
  5. Secured by Design: Locks and associated hardware (retrieved 15.10.2026)
  6. Yale Home: Compatible with Conexis (retrieved 15.10.2026)
  7. Nuki Help: What is the emergency function? (retrieved 15.10.2026)
  8. Which?: Do I need a smart door lock? (retrieved 15.10.2026)