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What do Cash and valuables ratings mean?

Last updated: 3.10pm, Tuesday 18th September 2018 by

If you’re looking into buying a safe for your home or business for the first time, you may get slightly confused over cash and valuables ratings. Many people won’t quite understand what they mean or if they’re needed, which is why we’re outlining them in this post to help give you an idea about what they are and if you require them. In some cases your insurance company may specify the required cash and valuables ratings for you, saving you the hassle of trying to work out yourself what you need. If you haven’t been asked to get a safe by your insurers however, we’re here to help you understand. 

Safe grades have corresponding cash and valuable ratings, which is detailed below in table form.

Grade of Safe

Cash Rating

Valuable Rating

Grade 0



Grade 1



Grade 2



Grade 3



Grade 4



Grade 5



Grade 6




Cash Ratings

The cash rating of a safe specifies the amount of cash that can be kept inside the safe at any given time.

Valuables Ratings

This specifies the value of items that can be kept inside the safe at any given time.

These factors do not mean that both cash and valuables cannot be stored together. If you wish to store both cash and valuables at the same time you can use this simple equation to work out what would be covered by insurers by deducting the amount of cash you’re storing from the cash rating and then times the remainder by 10 to work out the total left for your valuables.

For example, if your safe has a £10,000 cash rating and you wish to store £2,450 in cash but you also want to store valuables, you would work it out like this. 10,000 – 2,450 = 7,550 (7,550 x 10) = 75,550 left for your valuables.

If you require any more information about cash and valuables ratings, or the products and services that we offer, contact us or call 0141 554 1170.




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