Whether you’re safeguarding heirlooms, tech, cash, or important documents, choosing the right safe isn’t just about protection from theft — it’s also a critical part of meeting your insurance requirements. A safe that isn’t adequate for the value of its contents may leave you underinsured and vulnerable.
Why Getting the Right Safe Matters
When it comes to home or office security, not all safes are created equal. Insurers don’t just want to know that your valuables are in a safe — they want to know they’re in the right safe. Your insurance policy may require a safe with a specific “cash rating,” meaning the safe has been tested and approved to protect a certain value of assets.
The Basics of Cash Ratings and Insurance Approval
Safes are assigned grades and corresponding cash ratings that guide both buyers and insurers:
So, if you’re storing £100,000 worth of jewellery, for example, your insurer might expect you to have a safe with at least a Grade 1 rating — and that’s assuming it’s been professionally installed according to manufacturer standards.
Things to Consider When Choosing a Safe
- What’s going inside? Know the value of the items you plan to store. Add up jewellery, watches, cash, important documents, and more.
- What type of safe do you need? Underfloor, wall-mounted, freestanding, gun safe, or fire- and water-resistant models — your choice should reflect your needs.
- Where will it be placed? A safe is only as strong as its installation. Use certified professionals to ensure it’s securely anchored and meets insurance standards.
- Size and flexibility: Think ahead — buy a safe that allows for future storage. It’s often cheaper and more practical than installing a second safe later on.
- Locking mechanisms: From key locks to biometric and duress systems, pick one that balances ease of use with the level of security required.
Look for Reputable Certification
When selecting a safe, look for AiS (Association of Insurance Surveyors) or ECBS (European Certification Body) approvals. These stamps of quality assure both you and your insurer that your safe meets rigorous European security standards.
Without the right safe, your home security system might not be enough to satisfy your insurer — or truly protect your most valued possessions. Make your safe choice a safe bet.
Need advice or help finding a professional installer? Contact Markham Brokers at [email protected] or call 01223 200 678.
