Provinzial Insurance: Safe Requirements
Provinzial Holding AG is the second-largest public insurance company in Germany. Anyone insured there who wishes to cover valuables beyond standard limits requires a certified container. This page outlines the requirements set by Provinzial for this purpose.
For customers in the north, there are separate pages for Provinzial Nord in Schleswig-Holstein, Hamburg, and Mecklenburg-Western Pomerania, and for the Hamburger Feuerkasse.
Home Contents Insurance according to VHB 2017
Home contents insurance protects movable household items. Without a safe, strict limits apply to valuables: a total of up to 30 percent of the sum insured, jewelry up to 25,000 euros, and cash up to 1,500 euros.
These limits can be increased if the valuables are kept in a locked and certified security safe:
| 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 |
Please note the minimum weight of 200 kilograms. A lighter safe with the same rating does not meet the requirement, even if it is professionally anchored. Suitable models can be found under Resistance Grade 1, Resistance Grade 2, and Resistance Grade 3.
Inventory Insurance FirmenPlus 6.2020
Commercial inventory insurance covers 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 |
Two differences compared to private coverage stand out. The minimum weight increases to 300 kilograms, and the compensation limits are lower, despite the higher requirement. This is not a contradiction, but the standard system: in commercial sectors, the risk of a targeted attack is greater.
Mobile phones and cigarettes
Separate rules apply to these two groups of goods because they are particularly frequent targets for break-ins. In these cases, Provinzial does not require a high-security safe but allows a security cabinet of level S1 according to EN 14450, provided it is properly anchored.
This is the lower of the two standards and therefore significantly more affordable. Entry-level models start in the three-digit price range.
How to find the right model
First, clarify with your insurer the exact sum you wish to cover. This will determine the necessary resistance grade, and only then should you look at individual safes. Pay attention to both conditions simultaneously: the classification and the minimum weight.
If you are unsure which model meets both requirements, please contact us. We will verify the classification, weight, and dimensions against your specifications before you place an order.