What should I consider before buying a safe?Sandeep Joshi
There are often 2 main reasons to purchase a safe.
A) Your insurance provider has requested you do
B) To give you peace of mind
99% of our safes are insurance rated, but please feel free to double check with us if you are unsure.
It is the lower end safes that would require confirmation, but any safe cash rated £2,000 and up is insurance approved.
In both cases it is important to purchase a safe that that meets your requirements both in the security, and functional aspect.
Below will provide all the information and understanding of what to consider when purchasing a safe for residential or commercial use.
- What cash/valuable rating does my safe need to be?
Cash rating is used to describe the level of security of a safe.
Safes can be cash rated from £1,000 – £250,000.
Valuable rating is 10x the cash rating, £10,000 – £2,500,000
If you have £2,000 of cash that you want to secure, we would recommend a £2,000 cash rated safe. We wouldn’t recommend you a £1,000 cash rated safe, nor would we necessarily recommend you a £3,000 cash rated safe, unless you expected to increase the value of money stored.
The same goes for valuables.
If you wanted to secure £20,000 of valuables, we would recommend a £2,000 cash rated safe. We wouldn’t recommend you a £1,000 cash rated safe, nor would we necessarily recommend you a £3,000 cash rated safe, unless you expected to increase the value of valuables stored.
|Cash Rating||Valuable Rating |
(cash x 10)
|£1,000||£10,000||Non Graded||Safes with £1000 cash rating|
|£1,500||£15,000||Non Graded||Safes with £1500 cash rating|
|£2,000||£20,000||Non Graded||Safes with £2000 cash rating|
|£2,500||£25,000||Non Graded||Safes with £2500 cash rating|
|£3,000||£30,000||Non Graded||Safes with £3000 cash rating|
|£4,000||£40,000||Non Graded||Safes with £4000 cash rating|
|£5,000||£50,000||Non Graded||Safes with £5000 cash rating|
|£6,000||£60,000||Grade 0||Graded safe with £6000 cash rating|
|£10,000||£100,000||Grade 1||Graded safe with £10000 cash rating|
|£17,500||£175,000||Grade 2||Graded safe with £17500 cash rating|
|£35,000||£350,000||Grade 3||Graded safe with £35000 cash rating|
|£60,000||£600,000||Grade 4||Graded safe with £60000 cash rating|
|£100,000||£1,000,000||Grade 5||Graded safe with £100000 cash rating|
|£150,000||£1,500,000||Grade 6||Graded safe with £150000 cash rating|
|£250,000||£2,500,000||Grade 7||Graded safe with £250000 cash rating|
As you can see, safes with £6,000 cash rating and above, are classified as Graded safes.
Grades are determined by accreditation organisations such as ESSA/ECB-S. It is these tests that determine the amount of burglar resistance a safe will provide.
Tests are carried out to according to international standards such as the European EN 1143-3 Eurograde System – which is where the term ‘Graded Safe’ comes from. In short, the higher the grade of safe the more difficult it is to break into / the more secure it is. 2
2. Safes tested against fire
Just like Cash rated safes approved by insurance providers, we have Fire rated safes or Fire proof safes which have been tested in extreme heat conditions and have been certified by insurance providers to have 30, 60, 90 or 120 minutes of fire protection for paper, digital media or both.
To get a list of safes insurance approved for your requirements, please contact us.