Cash and valuables ratings

What do Cash and valuables ratings mean?

Let’s say you’re looking for a safe for your home or business for the first time. In this case, you may be slightly confused about cash and valuables ratings. Many people will not understand what they mean or if they are needed, so we outline them in this post to give you an idea of what they are and if you need them. In some cases, your insurance company can specify the necessary cash and valuables ratings for you, saving you the hassle of trying to find out what you need. However, if you have not been asked by your insurers to get a safe, we are here to help you understand.

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


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


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 cash and valuables cannot be stored together. Suppose you wish to store both cash and valuables simultaneously. In that case, 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 we offer, contact us or call 0141 554 1170.