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Safe insurance values

What to bear in mind when it comes to insurance cover.

When it comes to safes, the subject of insurance is always an essential consideration. For this reason, you should always speak to your insurance company before buying a safe to establish which burglar resistance class it should have in order to insure the contents up to the required amount.

As for the objective classification of the safe’s protective functions for both the owner and the insurance company, testing and certification by a recognised certification institute such as VdS Schadenverhütung or the ESSA are key. This testing is carried out in accordance with clearly defined standards. The most important standard is EN 1143-1. Depending on their level of resistance against burglary attempts using various tools, safes are categorised into resistance grades, which form the basis for determining the insurance category. Here, the level of the insurance amount increases with the respective resistance grade. 

Safes and insurance
Key facts at a glance

Resistance grades and insurance cover

  • The resistance grade of a safe specifies how resistant the strongbox is against attempted burglaries. This is determined in elaborate and clearly defined tests carried out by neutral testing and certification bodies such as VdS Schadenverhütung GmbH. The resistance grade is used as the basis for determining the amount of insurance.
  • Generally speaking, the higher the resistance grade of a safe, the greater insurance cover can be offered for its contents. The non-binding, average insurance amounts for individual resistance grades can be found on the “Security levels and resistance grades” page. Just as you would when thinking about the size of your safe, you should also bear in mind when selecting a resistance grade that you may wish to add even more valuables over time.
  • In some sectors or certain areas of application, insurance companies stipulate specific insurance amounts that require a particular resistance grade. If this is the case, we recommend speaking to your insurers before purchasing your safe.
  • Do you need your safe to come complete with components for connecting it to a burglar alarm system? Using your safe in conjunction with a VdS-tested burglar alarm system increases – and typically doubles – the level of insurance cover.

Legal requirements

  • If you’re looking for a safe for the commercial sector, then you should find out whether there are any legal requirements for your industry that stipulate a certain resistance grade for your safe. This is particularly likely in the cases of narcotics safes for pharmacies, clinics and care facilities,hazmat cabinets for laboratories and the chemical industry, and authorities in the context of the German law on control and transparency in business (KonTraG).
  • In some cases, it is recommended or even required that strongboxes with resistance grades N (0) to V according to EN 1143-1 and weighing under 1000 kg be anchored securely in place. This is also something you should look into before making your purchase. We would be delighted to provide you with a quote for professionally securing your safe in place, as this is something we strongly recommend.
  • When it comes to gun safes, the stipulations of the Weapons Act are binding. We have put together the most essential information regarding legally compliant weapon storage in a special page on the Weapons Act. Legislative bodies insist on gun safes being anchored securely in place.

Our latest
general safes catalogue 2017

You will find safes of all resistance grades in our general catalogue. Simply order a copy or download it now! If you have any questions, we’ll be happy to help!