What Are Insurance Rated CEN Padlocks and Does Price Matter?
What Are Insurance-Rated CEN Padlocks, and Does Price Matter?
CEN is a European security scale for padlocks from 1 (lowest) to 6 (highest), based on how well a lock resists cutting, drilling, pulling, twisting, impact and other forced-entry tests. The steps between grades are not linear; higher grades represent a very substantial jump in attack resistance.
CEN vs BS EN
BS EN standards focus on build quality and performance consistency. CEN focuses on security under attack. A padlock can meet a quality standard yet still be weak against forced entry; CEN closes that gap by specifying security performance.
How Insurers Use CEN
Insurers often require a minimum CEN grade for certain risks (e.g., gates, compounds, containers, plant rooms). If your policy specifies a grade, you must meet or exceed it. Failing to do so can jeopardise a claim, regardless of whether the lock “looks strong.”
Does Price Matter?
Price is not the whole story, but it is a signal. True high-security components, hardened shackles, quality cylinders and proven testing generally cost more. Be cautious of products marketed as CEN 3 at very low prices; if a claimed high grade is paired with a bargain-bin cost, treat it with scepticism and seek proof of certification from the manufacturer or retailer.
Buying Guidance
Ask for the documented CEN grade for the exact model you are purchasing. Match grade to risk: CEN 3 is typically high security for many applications; CEN 4–6 is extra to maximum security for higher-risk sites. Pair the padlock with rated hardware (hasps, lock boxes, chains) so the overall system matches the lock’s grade.
Common Pitfalls
Relying on “meets a standard” without seeing the grade. Mixing a strong padlock with a weak hasp or chain. Buying purely on price. Ignoring environment: coastal sites need marine-grade or heavily protected finishes to avoid corrosion that weakens security over time.
Quick Checklist
Confirm the insurer’s minimum CEN grade in writing. Verify the CEN grade for the exact lock model. Match fittings and chains to the same grade. Consider restricted or controlled keys for key security. Choose weather-appropriate finishes for outdoor use.