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Insurance: what if I am locked out?

Forgetting your keys, or closing the door and finding out too late that the keys are still inside. Attempting to open the door and finding yourself faced with a recalcitrant lock. Embarrassing situations that can happen to anyone. We explain how to react when you have locked yourself out.

Tips on how to stay out of the house

It is often thought of when you are already in a difficult situation, but leaving a set of keys with a trusted neighbour or relative is a solution that can save you a lot of hassle.

Your door has slammed shut and is not locked? You can try to open it with a card, or any other plastic bag (radio, laminated document, loyalty card, etc.). Insert it at the bottom, between the doorframe and the door and slide it gently to the lock. It is advisable to push on the door during the operation. This technique works on older or cheaper doors, but may not work on more secure door models. But it doesn't hurt to try!

Comprehensive home insurance

If you have subscribed to a multi-risk home insuranceYou should be covered for this type of problem. The "emergency home repair" option allows you to be reimbursed for the cost of a locksmith's intervention. Your insurer will provide you with the contact details of approved professionals who can intervene quickly. The time limit for sending the information to your insurance agency depends on the clauses of your contract. On average, you have 48 hours to send the supporting documents. The advantage of this system is that you do not have to advance the costs of the repair.

Emergency home repairs

If your only option is to call a locksmith. Preferably contact a company that is transparent about its prices. Make sure that the cost of repairing your lock includes the emergency intervention and the parts (if your lock is damaged). In any case, do not let the locksmith start work without receiving an estimate.

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Written by

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Posted on

31 January 2018

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