Safe deposit box with integrated insurance – security on two levels

Yes. Every safe deposit box at Trisor is automatically insured up to €5,000 – regardless of the chosen tariff or safe deposit box size. This basic insurance is already included.

In addition, you have the option to increase your insurance cover individually. Depending on the tariff, each safe deposit box can be insured for an additional up to €500,000.

The basic insurance of €5,000 is already included in the safe deposit box price – regardless of tariff or safe deposit box size.

If you would like higher cover, you can take out supplementary insurance. This costs 0.15% per year of the chosen additional insured sum plus insurance tax.

The insured sum can – depending on the tariff – be increased to up to €500,000.

Your valuables are insured up to the amount of the insured sum taken out. The decisive factor is the actual value (nominal value) of the contents.

In the event of a claim, at most the amount for which insurance was taken out will be reimbursed. If the actual value of your valuables exceeds the agreed insured sum, only this agreed sum can be reimbursed.

It is therefore important to adjust the insured sum realistically to the value of the contents.

Our safe deposit boxes are designed to be high-quality and very secure. The insurance therefore does not serve as protection against a lack of security, but is part of our holistic concept and an optional add-on for customers who want an additional sense of security.

Many customers deliberately adjust the insured sum to the current value of their contents – particularly for investments such as gold, whose prices have risen significantly in recent years. This makes it possible to limit financial risks in a predictable way and know that valuables are fully protected.

The safe deposit box contents are insured against the risks defined in the insurance terms. These include in particular fire (blaze, lightning strike, explosion), burglary, vandalism resulting from a burglary, and robbery within the business premises.

Insurance cover applies exclusively at the insured location and within the agreed insured sum.

No. To date, there have been no claims at Trisor.

Yes. Security is Trisor's highest priority. Our locations, vault facilities and processes are designed so that unauthorised access is practically ruled out.

Access to the vault facility takes place exclusively under strictly controlled conditions and is comprehensively monitored.

Read everything about security at Trisor here.

Theft or removal by persons with legitimate access constitutes a criminal offence. Such scenarios are practically ruled out by our security architecture and control mechanisms.

Should such an incident occur nonetheless, it is not covered by the contents insurance, but by the direct liability of the responsible person or – where relevant – of Trisor as operator.

An exclusion from the insurance cover does not mean, however, that customers are left unprotected.

In the event of a claim, it must be demonstrated to the insurer in a comprehensible way which items are affected and to what extent a loss has occurred.

Typical evidence can include, for example:
- Purchase or acquisition receipts
- Photos of the stored valuables
- Certificates or appraisals for high-value items

Which documents are required in an individual case depends on the nature of the claim.

Important: evidence should never be kept together with the valuables in the safe deposit box.

As a general rule, the replacement value applies to damaged or lost items.

Compensation is provided within the agreed insured sum. For certain items, such as art, different valuation bases may apply.

All valuable items that may permissibly be stored in a Trisor safe deposit box are insured, including:
- Jewellery and gemstones
- Precious metals
- Cash
- Securities
- Certificates and important documents
- Storage media

The exact terms are set out in Trisor's T&Cs and insurance conditions.

For precious metals, the replacement value is generally reimbursed. This is usually based on the current market or daily rate at the time of the claim, limited by the agreed insured sum.

Yes. Cash is insured.

In the event of a claim, the nominal value is the decisive value. Compensation is provided within the agreed insured sum.

Learn more about the benefits of storing cash in a safe deposit box.

In the event of a claim, it may be necessary to demonstrate the lawful origin of cash in a comprehensible way. Which evidence is specifically required depends on the individual case.

Typical and accepted evidence can include, for example:
- A bank statement documenting a cash withdrawal or an outflow of funds from another account (e.g. at a bank or savings bank)
- A savings book showing a corresponding cash withdrawal
- Sales receipts for proceeds from the sale of goods (e.g. precious metals, vehicles or other valuables)
- Notarial deeds for real estate sales
- Deeds of gift or corresponding evidence for gifts received
- Certificate of inheritance, will or comparable documents for inherited assets

Important: evidence does not need to be submitted in advance. However, it is advisable to keep such documents outside the safe deposit box so they can be presented on short notice if needed.

No. Insurance cover applies exclusively at the insured risk location, i.e. in the safe deposit box at Trisor. Damage or robbery during transport is not covered.

The better the documentation, the easier the claims handling. Proven examples include:
- Photos of the stored items
- Documentation of the storage process
- For particularly high-value items: notarial confirmations or sealed safe bags

These measures are supportive but do not replace an individual assessment by the insurer.

No. Only physical items are insured.

Storage media such as USB sticks or hard drives are insured only as physical objects – not the content stored on them.

Digital assets such as cryptocurrencies are not covered by the insurance. In the event of a claim, only the physical storage medium is replaced, not its digital value.

When the safe deposit box contract ends, the associated insurance cover ends automatically as well. From that point on, there is no longer any insurance cover for the stored valuables.