Insurance want safe fitted
Insurance want safe fitted
Author
Discussion

ghamer

Original Poster:

626 posts

179 months

Tuesday 15th December 2020
quotequote all
Home insurance renewal time,normally straight forward but this year they want valuations,proof of maintenance and the most annoying one.A home safe rated at 10 x value of items.

So I'm needing ideas please of said safe because I haven't the foggiest idea of where to begin looking?

Items are;

Date just £3250

Omega speedmaster £3500

Bi metal sub £8500

I've emitted these items for now so getting a bit twitchy to say least.

SS2.

14,690 posts

262 months

Tuesday 15th December 2020
quotequote all
You need a safe with an insurance rating of £2,000 (EN14450-S1).

Google a few and see what's available, both for size and price.

FWIW

3,857 posts

121 months

Tuesday 15th December 2020
quotequote all
Sounds excessive. Try a different insurer?

SS2.

14,690 posts

262 months

Tuesday 15th December 2020
quotequote all
We fitted one in the bottom of a wardrobe a couple of years ago - screwed it into both wall and floor, it's not going anywhere.

It does offer peace of mind for holding spare keys, jewellery, cash, important documents etc,

It's not especially big - similar size to those you see in hotel rooms.

Wasn't an insurance requirement for us - we installed it purely through choice.

Macneil

1,068 posts

104 months

Tuesday 15th December 2020
quotequote all
SS2. said:
We fitted one in the bottom of a wardrobe a couple of years ago - screwed it into both wall and floor, it's not going anywhere.

It does offer peace of mind for holding spare keys, jewellery, cash, important documents etc,

It's not especially big - similar size to those you see in hotel rooms.

Wasn't an insurance requirement for us - we installed it purely through choice.
What fixings do you use? I think a decent crowbar would get most normal wall fixings out no bother? I'm thinking of one myself.

2 sMoKiN bArReLs

31,857 posts

259 months

Tuesday 15th December 2020
quotequote all
FWIW said:
Sounds excessive. Try a different insurer?
That was my thought. Those numbers aren't huge are they?

SS2.

14,690 posts

262 months

Tuesday 15th December 2020
quotequote all
Macneil said:
What fixings do you use? I think a decent crowbar would get most normal wall fixings out no bother? I'm thinking of one myself.
Anchor bolts x 4 for the wall fixings - M10, I think. Long screws for the wooden floor.

If some blaggers managed to break in, if they got past the dogs, if they found the safe behind the wife's shoe boxes, if they had a crow bar with them and if they managed to break the safe out (no mean feat), they'd have deserved it !

nikaiyo2

5,806 posts

219 months

Tuesday 15th December 2020
quotequote all
By my reckoning you would need a safe with a valuables rating of £150k ish... that is not that big a deal you need a Eurograde 2 or better you should get one for £1k ish. They are handy to have at this rating most will be fire rated so great for keeping docs in along with valuables.

Be warned mine weighed nearly 230kg and was an absolute arse to install (4 Romanian window fitters and a fat bloke... me nearly died) seriously consider paying for installation.

They only get really big and costly when you need serious cash rating.

hilly10

7,527 posts

252 months

Friday 18th December 2020
quotequote all
You want a good West Bromwich made safe from the 1940s weighs just short of 1/2 ton


Kent Border Kenny

2,219 posts

84 months

Friday 18th December 2020
quotequote all
ghamer said:
Home insurance renewal time,normally straight forward but this year they want valuations,proof of maintenance and the most annoying one.A home safe rated at 10 x value of items.

So I'm needing ideas please of said safe because I haven't the foggiest idea of where to begin looking?

Items are;

Date just £3250

Omega speedmaster £3500

Bi metal sub £8500

I've emitted these items for now so getting a bit twitchy to say least.
Is it worth shopping around for another provider? I’m with Aviva and they’ve not requested any extra security for mine.

matrignano

4,676 posts

234 months

Friday 18th December 2020
quotequote all
Kent Border Kenny said:
Is it worth shopping around for another provider? I’m with Aviva and they’ve not requested any extra security for mine.
I was with Aviva and now AA and they didn't request a safe (on slightly higher watch value), nor pictures, proof of purchase, nothing!

steve2

1,848 posts

242 months

Friday 18th December 2020
quotequote all
Another idea is to have another safe in a prominent position with a bit of cash, cheap jewellery and a cheapest watch and if you ever get burgled they may just take that one

hotchy

4,795 posts

150 months

Saturday 19th December 2020
quotequote all
hilly10 said:
You want a good West Bromwich made safe from the 1940s weighs just short of 1/2 ton

Haha we have similar at work. When we had a refit they couldnt move it know matter what they tried and weve managed to move big cash machines easily. So now the shops in a random shape up one end fitted around the safe in the back.

hilly10

7,527 posts

252 months

Saturday 19th December 2020
quotequote all
hotchy said:
Haha we have similar at work. When we had a refit they couldnt move it know matter what they tried and weve managed to move big cash machines easily. So now the shops in a random shape up one end fitted around the safe in the back.
Yes it’s not shiftable. I inherited it and it took 4 guys and lifting tackle to get upstairs when we moved in

Black AMG45s

845 posts

183 months

Saturday 19th December 2020
quotequote all
steve2 said:
Another idea is to have another safe in a prominent position with a bit of cash, cheap jewellery and a cheapest watch and if you ever get burgled they may just take that one
That is what my parents did they had 2 safes one well hidden the other in location that would be found. Both were like the safe in photo you would be well organised to move it or open it

Plus you would need to get past a 11 stone GREAT DANE and he was pure muscle and was not fond of strangers


Edited by Black AMG45s on Saturday 19th December 10:42

ghamer

Original Poster:

626 posts

179 months

Saturday 19th December 2020
quotequote all
Thanks all some good advice as always.I've opted to look elsewhere for the watches and wifes jewellery and keep the house insurance separate.
Like the 2 safe option that's genius😁👍

GC8

19,910 posts

214 months

Saturday 19th December 2020
quotequote all
hilly10 said:
You want a good West Bromwich made safe from the 1940s weighs just short of 1/2 ton

Surprisingly similar to mine. In fact, I had to go and check, despite being sure that it wasnt the same manufacturer.

GC8

19,910 posts

214 months

Saturday 19th December 2020
quotequote all
Mine is a J & J Taunton.



Similar lower internal locking compartments, too.

After nearly three decades with me it is starting to look a little second hand. Two years in a garage didn’t help. I have been meaning to refurb it.

GC8

19,910 posts

214 months

Saturday 19th December 2020
quotequote all
OP: sack off your current insurers. The 'proof of maintenance' part swings it for me. The worth of the watches is not dependent on their being serviced in line with contact centre employee's opinion.

hilly10

7,527 posts

252 months

Saturday 19th December 2020
quotequote all
GC8 said:
Mine is a J & J Taunton.



Similar lower internal locking compartments, too.

After nearly three decades with me it is starting to look a little second hand. Two years in a garage didn’t help. I have been meaning to refurb it.
Looks great. I refurbished mine many years ago, but the last couple of days I repainted it externally and cleaned the brass work, it now looks top notch. It’s a West Bromwich made safe which is the UK home of safes and only 15 miles from my house. It came out of a factory one mile from the factory where it was made.