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You can place items of value or important documents in a safe deposit box such as Jewellery, Gold, Silver, Family Heirlooms, Antiques, Watches, Marriage Certificates, Wills and Passports.
If you're storing valuable items such as jewellery, important documents, cash, collectibles, or other valuable possessions in your safe deposit box, it is advisable to have insurance cover. This provides financial protection in case the contents are lost, damaged, or stolen.
In January 2020, thieves stole £52 million from one safe deposit facility in Germany. In 2015 there were 12 events worldwide that resulted in a financial loss for safe-deposit-box holders. These included theft, flood and fire.
If you would like to take any of your contents outside of your safe deposit box and remain insured, you will need to increase your cover to include Wear Cover.
Wear Cover allows you to take your contents outside of the safe deposit box for a maximum of 30 days (extended days may be available upon referral). Wear Cover is capped at 30% of the total sum insured inside the box, up to a maximum of £100,000. For full details, please visit our Safe Deposit Insurance page. It is not possible to cover money outside the box.
There are 3 options for Wear Cover:
Watches - watches can only be covered if they are specified under this section, they are not covered under the Unspecified option.
Specified - this is the cheapest option as your insurers know at the outset what they are being asked to cover.
Unspecified - you can choose to cover a sum insured amount rather than individual items. This allows you to take out whichever items you choose, up to the limit you have chosen. Watches cannot be covered under the Unspecified option.
You can get insurance cover from Noble Security Box Insurance from as little as £34.80 a year for £10,000 cover. Our insurance covers contents from £10,000 up to £500,000 meaning we can tailor the policy around your needs.
Yes, we can cover multiple safe deposit boxes at the same centre under a single policy. If you have boxes at more than one centre you will need a separate policy for each centre that you use.
We can cover up to £500,000 per box. If you need more cover then additional boxes need to be purchased.
Many standard home insurance policies will have limits on valuable items which means they may not be willing to cover them.
If you have very high value items that you don't use or wear often, it may help reduce your home insurance costs or home security requiements by keeping items in a safe deposit box. Insuring these separately provides additional peace of mind and cover can be extended for occassionally taking the items out.
Noble Security Box Insurance is tailored specifically for safe deposit boxes. All policies are in your name (not in the name of the security centre or bank). We only use insurers who have a minimum ‘A’ financial security rating so that you can be sure they have the financial resources to pay any valid claim. Our experienced and dedicated team is committed to providing the highest possible level of customer service.
We cover cash however in the event of a claim you will need to be able to provide an audit trail to prove the source of funds is legitimate. We cannot offer cover outside of the safe deposit box for cash.
Here at Noble Security Box Insurance, the insurance is in your name so any claim is paid directly to you and will not involve the centre at all. Some safe deposit centres offer a blanket cover where the insurance covers the centre as a whole. However these policies tend to have a maximum limit of insurance which you may not be aware of meaning in the event of a fire or flood, you may not get paid the true value of your valuables leaving you out of pocket at a difficult time.
Should you wish to make a complaint, you may do so by telephoning on 0121 423 1000, emailing or by writing to:
The Customer Services Manager, Noble Security Box, Jubilee House, Long Bennington Business Park, Long Bennington, Newark, NG23 5JR.
We take all complaints seriously and will endeavour to respond immediately. Where this is not possible, we will acknowledge your complaint within 5 business days confirming the name of the member of staff dealing with your complaint.
We will provide you with a full written response within 20 business days or explain the current position and agree a time scale for a full response. If upon receipt of the full response from Noble Security Box you remain dissatisfied you may be eligible to refer your case to the Financial Ombudsman Service (FOS).
The FOS is an independent body that arbitrates on complaints. They can be contacted at:
Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Tel: 0800 0234567 (for landline users) 0300 1239123 (for mobile users).
Email:
Website: www.financial-ombudsman.org.uk
You have six months from the date of our final response to refer your complaints to the FOS. This does not affect your right to take legal action, however, the FOS will not adjudicate on any case where litigation has commenced.