Locket is insurance priced according to the smart tech you use to keep your home secure.


*UK (excluding Northern Ireland)


The things that matter most can be insured, but they can never be replaced.

We reward you for using smart technology to protect what you love.

Don’t take
Take action.

We’re replacing the idea that insurance exists simply to replace your stuff. Locket is insurance priced according to what you own, and how you protect it.

As seen in

Insurance for what you have.
Protection for what it means.

Smart Store access

Members-only deals on protective technology.

Switch now

No need to wait for your renewal. We’ll cover any cancellation fees your old insurer charges you.


Easy, monthly rolling subscriptions. Flexible cover. Everything in an app, and no admin fees, ever.


The more protective tech you use, the less you pay.

Policies written for people

No jargon necessary.

Fast everything

Quick quotes, on-demand adjustments, and instant policy docs.


Provide details about your property

We do the magic

Tell us about your smart devices

See your price

Exclusive offers on tech we trust 

Locket members get access to our Smart Store – a curated range of smart technology to protect your home and upgrade your life.

We’re planet positive.

We work with Pachama to offset all of our carbon emissions (and then some).

For every four tonnes of carbon created by our business, we save five – by helping to fund reforestation and forest protection schemes.


When you protect your home with Locket, you help to improve the world for others too. We donate a portion of all our revenue to good causes:


We believe everyone deserves a roof over their head.

Locket supports Crisis UK in their mission to end homelessness for good.

Our team wear wristbands from togetherband for goal 1.


Lack of access to clean water kills more people than all forms of violence combined. Locket supports WaterAid in their mission to provide clean water for all.

Our team wear wristbands from togetherband for goal 6.

Mental health
Mental health

Mental health is often overlooked in the wake of an incident like a burglary. But after the locks are fixed and the insurance claims settled, many people suffer lasting psychological problems like depression, anxiety and PTSD. Locket helps to fund Victim Support UK, a charity dedicated to supporting the victims of crime.

Our team wear wristbands from togetherband for goal 3.

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    10 smart ways to protect your home

The FAQs

No hassle. No drama. Just straight FAQs. 

Why don’t you ask many questions to calculate my price?

Because we’re built on the latest technology. Our super-intelligent pricing algorithm gathers the latest data from publicly available sources on the internet so you don’t need to waste time playing ’20 questions’ just to get a quote.

What can you do with information about my smart devices?

We only ask what tech you’ve got. We don’t have access to your devices and there’s no way that we could. We can’t mess with your heating, answer your door, or listen to you belting out Beyoncé in the shower.

Can you explain the legal structure of your business?

We’d love to! The key thing to note is that you get the same level of protection with us as with any other UK insurance provider.

We’re an ‘Appointed Representative’ of Pro MGA Solutions Ltd who are authorised and regulated by the UK Financial Conduct Authority (FCA Ref: 770419), and we’re underwritten by WAKAM – a 200 year-old insurer.

So, while we’re still young and spry, we’ve got the backup of well-established institutions.

I still have questions…

Great! We have the answers. Chat to our team via our live chat service. If no-one’s around, you can use our help section, or leave us a message and we’ll get back to you as quickly as we can.

OK this is awesome. What now?

If you like what you see, give us a try! Start a quote using the link below. You can usually see your price in less than 60 seconds.

Check my price

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