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What locks should I have on front doors?

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My insurance wants locks conforming to BS3621 or a 3 bolt multi point locking system.

From what I understand this means a key lock on both sides of a front/back door lock. However, from a fire safety perspective a turning knob to lock from the inside is safer.


I feel like I have to go with the insurance requirements but I can't help but feel my hand is being forced at the expensive of safety. Has anyone else managed to square this circle?


With thanks



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