A locksmith told me about a family that moved to a new home and locked themselves out soon after. A neighbour – who they had never met before – came across the road carrying a biscuit tin full of various keys which he said were keys to virtually every house in the street. Unable to find the right key, he then let himself into another neighbour’s empty house to find their collection of keys and found one that let the family into their home. They very quickly arranged for their locks to be changed.

When you move to a new home or business premises, you don’t know to whom previous occupants have provided keys or access codes (cleaners, friends, family, workmen etc.). Whilst it can be useful for a friend or relative to access your home in an emergency, you really don’t want strangers letting themselves in.

The moral of the story is: have all locks changed as soon as you move. In fact, arranging for that to be done the day that you move in is a sensible idea.

In a similar vein, don’t leave keys under flowerpots, garden gnomes or anywhere else that a cursory search will reveal. My mother used to leave a key on a bit of string inside the letterbox until I persuaded her not to.

You could have a claim refused if you make it too easy for thieves.