Are rim locks useful?

Hello guys, I know that rim locks are included in new cars in England and Sweden, otherwise the insurance premiums are at least 50% more expensive. There is an organization there called “Thatcham”. It now writes in front of which rim locks are released from them. Should it be a difficult test?! Does anyone know more about this? What does this look like here with us? What do our insurers say about this? Has anyone had any experience?