Industry News

What are cash and valuables ratings?

9th February 2021

Looking at buying a safe? Generally a bit confused about what Cash and Valuables ratings are & mean?
That’s where we come in with our industry expertise…

Basically, Cash & Valuables ratings set out the value of the goods the safe has been manufactured to provide protection for. So, a £6K cash rated safe would cover £6,000 in cash / a value of £60,000 for other physical items. BUT – a very important piece of info here: if you are storing both cash & valuables within the safe, you’ve got to do a little calculation to figure out your cover.
So – say you want to store £2,000 in cash – that’s great, you’ve got the cover for that. What this then means, is you’ll have less cover left for the value of physical goods you’re also wanting to store.
To calculate what’s left you deduct the value of cash from your cash rating and then multiply the remainder by 10 (the valuables rating is always 10x the cash rating).
Leaving you with £40,000 in valuables cover.

Some insurance companies will specify these factors for you, which makes things a lot easier.
Grade of Safe        Cash Rating        Valuable Rating
Grade 0                  £6,000                 £60,000
Grade 1                   £10,000               £100,000
Grade 2                   £17,500               £175,000
Grade 3                   £35,000              £350,000
Grade 4                   £60,000             £600,000
Grade 5                   £100,000           £1,000,000
Grade 6                   £150,000           £1,500,000
However, if you have not been instructed to buy a safe via insurers, choosing which cash and valuable rating could be a daunting task. Safe grades have corresponding cash/valuable ratings, below is a table outlining the ratings for each grade of safe.


• Cash ratings –
This amount tells you how much cash can be stored in your safe at any time.

• Valuable Ratings –
This is the total value of items that you can store within your safe.

If you wish to store both cash and valuables inside your safe at the same time, you can work out what can be covered by insurance by deducting the amount of cash you wish to store from the cash rating, and then times the remaining amount by 10 to work out the valuable rating you have left.

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