My Insurance Says I Need a Graded Safe | Challenger Safes

If your insurance company has told you that you need a graded safe, you're probably wondering what that actually means—and whether any safe will do.

The short answer? No.

A graded safe has been independently tested and certified to withstand burglary attempts for a specified amount of time. Unlike standard domestic safes, graded safes are built to recognised European security standards and are given an official security grade.

Why do insurers ask for a graded safe?

Insurance companies want to know that high-value items are protected by a safe that's been independently tested—not simply one that looks secure.

Depending on what you're storing, your insurer may require a specific grade before they'll provide cover.

This could include:

• Jewellery
• Cash
• Collectables
• Important documents
• Prescription medicines
• Firearms
• Commercial valuables

What do the grades mean?

The higher the grade, the greater the level of burglary resistance.

Common grades include:

Your insurer will usually specify the minimum grade required.

Does size matter?

No.

A larger safe isn't necessarily more secure than a smaller one.

Security comes from the certified construction and testing, not simply the weight or thickness of the steel.

Can I use any safe?

Not if your policy specifies a graded safe.

Many inexpensive safes sold online aren't independently certified and may not satisfy insurance requirements.

Always check that the safe carries recognised certification.

Unsure what grade you need?

If you're not sure, we're happy to help.

At Challenger Safes, we work with homeowners, retailers, pharmacies and businesses throughout New Zealand to recommend insurance-compliant safes.

Simply tell us:

• What you're storing
• Approximate value
• Whether your insurer has specified a grade

We'll point you in the right direction.

Need help choosing an insurance-approved safe? Contact the Challenger team today.