Safe Eurogrades Explained

In the United Kingdom, safes are often classified into different security levels or “grades” based on their resistance to various forms of attack. These grades are recognized by insurance companies to determine the level of insurance coverage provided for the contents stored in the safe. The grading system commonly used in the UK is known as the Eurograde system, which is based on European standards (EN 1143-1).

The Eurograde system categorizes safes into different levels, ranging from Grade 0 to Grade XIII, with Grade 0 being the lowest and Grade XIII being the highest level of security. Here is an overview of the Eurograde system and the corresponding insurance coverage levels, along with a rough price guide.

Prices vary according to factors such as safe size, locking mechanism and fire rating. For example, a cheaper safe in the Eurograde 0 category may be a small chest type safe, whereas at the upper end of the scale a safe may have fire protection, be from a well respected manufacturer or be a larger model.

Safes classified as Eurograde 0 offer a basic level of security and are suitable for storing low-value items or cash. These safes typically provide a limited resistance against physical attacks and have a cash rating of up to £6,000 or valuables rating of up to £60,000. Insurance companies may provide coverage within this range for contents stored in Grade 0 safes.

Grade 1 safes provide a higher level of security compared to Grade 0. They offer increased resistance against physical attacks, including drilling, cutting, and manipulation. These safes have a cash rating of up to £10,000 or valuables rating of up to £100,000, making them suitable for storing higher-value items. Insurance coverage for contents stored in Grade 1 safes is typically provided within this range.

Grade 2 safes offer an intermediate level of security and are designed to withstand more sophisticated forms of attack. They provide enhanced protection against drilling, cutting, and other techniques employed by burglars. Grade 2 safes typically have a cash rating of up to £17,500 or valuables rating of up to £175,000. Insurance coverage for contents stored in Grade 2 safes is typically provided within this range.

Grade 3 safes offer a higher level of security, suitable for storing valuable items, cash, or sensitive documents. These safes have increased resistance against various attacks, including professional burglary attempts. Grade 3 safes have a cash rating of up to £35,000 or valuables rating of up to £350,000, and insurance coverage is generally provided within this range.

Safes classified as Grade 4 and above provide the highest levels of security and are primarily used in commercial or high-security environments. These safes offer extensive resistance against sophisticated attacks, including cutting torches, explosives, and advanced drilling techniques. Cash ratings for safes in these higher grades can range from £60,000 up to £6,000,000 or even higher, depending on the grade and specific model. Insurance coverage for contents stored in safes of these grades is typically provided within the corresponding cash rating limits.

It’s important to note that insurance coverage limits and requirements may vary between insurance providers. It is recommended to consult with your insurance company to determine the specific coverage provided for different grades of safes and to ensure compliance with their requirements.

Additionally, it’s essential to choose a safe that meets the required security grade for your specific needs. Consulting with a reputable safe manufacturer or a professional locksmith can assist you in selecting a safe that matches your desired security level and insurance coverage requirements.