Hamburger Feuerkasse: Safe requirements
The Hamburger Feuerkasse is part of Provinzial Holding AG and is one of Germany's oldest insurers. Anyone insured there who wishes to protect valuables beyond the standard limits requires a certified container. The requirements are outlined here.
Home Contents Insurance according to VHB 2017
Without a safe, strict limits apply to valuables: up to a total of 30 percent of the sum insured, jewelry up to 25,000 euros, and cash up to 1,500 euros. These can be increased with a certified secure storage cabinet:
| Safe requirement | Minimum weight | Coverage up to |
|---|---|---|
| Resistance grade 1 according to VdS 2450 and EN 1143-1 | 200 kg | 65,000 euros |
| Resistance grade 2 according to VdS 2450 and EN 1143-1 | 200 kg | 100,000 euros |
| Resistance grade 3 according to VdS 2450 and EN 1143-1 | 200 kg | 200,000 euros |
The minimum weight of 200 kilograms is a separate condition in addition to the classification. A lighter model of the same class does not meet the requirement, even if professionally anchored.
Inventarversicherung FirmenPlus 6.2020
Commercial coverage includes over 2,500 types of businesses and protects not only cash but also jewelry, precious metals, and goods such as mobile phones and cigarettes:
| Safe requirement | Minimum weight | Coverage up to |
|---|---|---|
| Resistance grade 1 according to VdS 2450 and EN 1143-1 | 300 kg | 24,000 euros |
| Resistance grade 2 according to VdS 2450 and EN 1143-1 | 300 kg | 60,000 euros |
| Resistance grade 3 according to VdS 2450 and EN 1143-1 | 300 kg | 120,000 euros |
The minimum weight increases to 300 kilograms while the coverage limits decrease. This is the standard approach: in the commercial sector, the risk of a targeted attack is assessed as higher.
Mobile phones and cigarettes
For these product groups, a security cabinet of grade S1 according to EN 14450 with proper anchoring is sufficient. This is the lower standard and significantly cheaper than a secure storage cabinet; entry-level models are in the three-figure price range.
How to find the right model
First, clarify with your insurer what sum you wish to cover. This determines the required resistance grade. Then, pay attention to both conditions simultaneously: classification and minimum weight. If you are unsure, we will check this for you before you place your order.