Quiz · Locksmiths

Tools, trust and the right wording

Tools, trust and the right wording

UK Locksmiths

Expensive kit in a van, security advice, emergency entry — locksmith claims arrive with the word ‘burglary’ attached. Six questions to get the cover right.

Answer the questions below; each option points toward the providers whose cover fits that answer. Your closest matches are the providers your answers point to most often.

Question 1: What’s your work mix?

  • Domestic emergency work
  • Points to: Suited (+2), Simply Business (+1)
  • Commercial contracts
  • Points to: Markel Direct (+2), Simply Business (+1)
  • Auto-locksmithing too — A different risk class — declare it explicitly
  • Points to: Markel Direct (+1), Business Compare (+1), Simply Business (+1)

Question 2: Do you advise or design — master-key suites, security specs, insurance-compliance locks?

  • Yes — Professional indemnity becomes core
  • Points to: Markel Direct (+3), Suited (+1)
  • No — fitting and entry only
  • Points to: Suited (+1), Simply Business (+1)

Question 3: How much are your tools and stock worth?

  • Under £2,500
  • Points to: Suited (+1), Simply Business (+1)
  • £2,500–£10,000
  • Points to: Markel Direct (+1), Simply Business (+1)
  • Over £10,000 incl. key machines
  • Points to: Markel Direct (+2)

Question 4: Do tools stay in the van overnight?

  • Yes — Match the policy’s forced-entry/overnight conditions to your real setup
  • Points to: Suited (+2), Simply Business (+1)
  • No — unloaded nightly
  • Points to: no specific provider (neutral answer)

Question 5: Anyone working for you?

  • Yes
  • Points to: Simply Business (+2), Markel Direct (+1)
  • Just me
  • Points to: no specific provider (neutral answer)

Question 6: What matters most?

  • Lowest price
  • Points to: Suited (+2), Simply Business (+1)
  • The fullest cover package
  • Points to: Markel Direct (+3)
  • Comparing the market
  • Points to: Simply Business (+2), Business Compare (+2)

Providers in this tool

Suited

From £6.50/month for £1m public liability, with clear locksmith-specific guidance on overnight tool conditions and security-advice PI.

https://www.suited.insure/public-liability-insurance/locksmith

Markel Direct

The fullest direct package from £8/month: PI for advice and master-key work, plant cover £10k–£50k, goods in transit and a 24/7 legal helpline.

https://www.markeluk.com/business-insurance/locksmith-insurance

Simply Business

Multi-insurer comparison from around £6/month with easy tools and employers’ liability add-ons.

https://www.simplybusiness.co.uk/

Business Compare

Comparison route across trade insurers for quick benchmarking.

https://www.businesscompare.com/locksmiths-insurance

This tool gives a guide match based on typical product features, not financial advice. Cover details, prices and review scores change — always read the policy wording and compare at least two quotes before buying. Information last checked June 2026.