What does insurance rating on a safe mean?

All security safes are given what is known as an ‘insurance rating’. This indicates the level of security and the maximum amount of cash that an insurance company will cover if stored in the safe overnight. The higher the rating, the more secure the safe. … Obviously not everyone keeps cash in their safe.

There are 8 main categories for safe grading plus the “No SABS” grading. Since insurance companies cover both the premises and the transit risk of money against theft, the area would be a rating consideration. The maximum limit allowed for each category is as follows BUT it is always important to confirm with your individual insurance company what their specifications are:

No SABS Category – R 2 500

SABS Category 1 – R 5 000

To resist attack by means of hand tools for a net total of 15 minutes, usually 12mm thick steel body and door plate.

SABS Category 2 – R 12 500

To resist attack by means of hand tools for a net total of 60 minutes. Door and body plate thickness not less than 20mm steel plate. Two key locks or two combination locks specified by user.

SABS Category 2ADM – R 50 000

To resist attack by means of hand tools for a net total of 60 minute and also attack by electric disk cutting machines. Door and body contains a barrier material, usually 60-70mm thick. Usually has two key locks.

SABS Category 3 – R 100 000

To resist attack for a net total of 60 minute and also attack by all methods including oxyacetylene cutter or until the gasses are exhausted, whichever is the shorter period. Door and body thickness could be to up to 80-90mm, usually three locks.

SABS Category 4 – R 200 000

To resist attack for a net total of 60 minute and also attack by all methods including oxyacetylene cutter to until the gasses are exhausted, whichever is the shorter period.

SABS Category 5 – R 300 000

To resist attack for a net total of 60 minutes and also attack by all methods including attack with a diamond core drill, impact hammer and angle grinders using diamond coated cutting discs. Usually three locks fitted.