In most cases, yes — New Zealand insurance companies will accept a locksmith's invoice as proof of work when you make a claim. However, the invoice needs to contain the right information, and there are a few things worth knowing before you book a locksmith and assume everything will be covered.
Why Insurers Ask for a Locksmith's Invoice
When you make a home or contents insurance claim involving a break-in, lost keys, or a lock replacement, your insurer needs to verify that the work was actually carried out and that the cost is reasonable. A professional locksmith's invoice serves as the primary evidence that:
- The work was completed by a qualified tradesperson
- The locks or security hardware meet an acceptable standard
- The cost claimed is legitimate and itemised
Without this documentation, your insurer may decline or reduce your claim.
What Should Be on the Invoice
Not all invoices are created equal. A basic handwritten receipt from an unlicensed operator is unlikely to satisfy your insurer. A proper locksmith's invoice should include:
| Detail | Why It Matters |
|---|---|
| Business name, address & GST number | Confirms a legitimate, registered business |
| Locksmith's name and contact details | Allows insurer to verify the tradesperson |
| Date and address of work | Confirms when and where the job was done |
| Itemised description of work | Shows exactly what was replaced or repaired |
| Brand and grade of locks fitted | Insurer may require locks to meet a minimum standard |
| Labour and parts costs listed separately | Helps insurer assess reasonableness of the claim |
| Invoice number | Standard business record-keeping |
If any of these details are missing, contact your locksmith and ask them to reissue the invoice with the full information before you submit your claim.
Does the Locksmith Need to Be Licensed?
New Zealand does not currently have a mandatory national licensing scheme specifically for locksmiths, unlike electricians (regulated by the Electrical Workers Registration Board) or plumbers (regulated by the Plumbers, Gasfitters and Drainlayers Board). However, many reputable locksmiths hold membership with industry bodies or carry relevant security qualifications.
Some insurers do specify in their policy wording that work must be carried out by a "qualified" or "registered" tradesperson. Check your policy carefully — if it says this, ask your locksmith about their qualifications or industry memberships before booking.
Check Your Policy Wording First
This is the most important step. Every insurance policy is different. Before you call a locksmith, take five minutes to:
- Read your policy schedule to confirm lock replacement or emergency locksmith callouts are covered
- Check whether there is a sub-limit (e.g. some policies cap locksmith costs at a set dollar amount)
- Find out if you need pre-approval from your insurer before the work is done — some insurers require this for non-emergency situations
- Confirm whether your excess applies, as sometimes the excess exceeds the locksmith's bill, making a claim pointless
If you're unsure, call your insurer's claims line before booking the locksmith. Consumer NZ has useful guidance on understanding insurance policy terms and your rights as a policyholder.
After a Break-In: Extra Steps Required
If you're claiming because of a burglary or attempted break-in, your insurer will almost certainly require a Police report (a 'B number') in addition to the locksmith's invoice. Make sure you report the incident to Police before or at the same time as arranging repairs. Your insurer may also send a loss assessor to inspect the property.
For rental properties, landlords should also be aware of their obligations under the Healthy Homes Standards, which include requirements around security, including door locks.
Tips for a Smooth Claim
- Take photos of any damaged locks, doors, or entry points before the locksmith arrives
- Ask the locksmith to note any signs of forced entry on the invoice or in a separate written statement
- Keep the old hardware — your insurer may want to inspect it
- Submit your claim promptly; most policies have a timeframe for lodging claims after an incident
- If your insurer disputes the invoice, you can escalate to the Insurance & Financial Services Ombudsman (IFSO) — check their website independently
When to Call a Professional
Always use a reputable, established locksmith business — not just for insurance purposes, but for your own security. A professional locksmith will fit quality hardware, provide a proper invoice, and stand behind their work. You can find qualified local locksmiths on tradedirectory.co.nz. For advice on what lock grades and security standards are appropriate for your home, BRANZ publishes research and guidance on residential building performance including security.
