Complete Cover for What Your Box Holds
Insurance
Two Levels of Protection. One Is Included.
Every safe deposit box at Nairobi Safe Vault comes with standard insurance at no extra cost. For collections whose value goes beyond the standard limit, NSV Premium Cover extends your protection — an optional service, billed entirely separately from your box rental.
Included with every box
Standard Cover — baseline protection against fire, theft and damage while your items are inside the vault. Part of your rental. Nothing to arrange, nothing extra to pay.
Optional add-on
NSV Premium Cover — declared-value protection for high-worth collections, with individually scheduled items, professional valuation support and dedicated claims handling. Priced on what you declare, billed separately.
Standard Cover — Included With Every Box
- Covers fire, theft and damage while your contents are inside the vault
- Baseline limit of US$ 80,000 per box Confirm at Front Desk
- No additional cost — it is part of your rental fee
- Claims handled through our insurer partner, with our team supporting you throughout
Full policy terms and conditions are available at our front desk and on request.
Premium Service
NSV Premium Cover — For Collections Worth More
When a single piece — or a lifetime of pieces — is worth more than the standard limit, Premium Cover protects the full value you declare. Every item is individually listed, valued and certified, so a claim is a matter of record, not debate.
- Up to the full declared value of your scheduled items
- Itemised schedule — each piece listed, described and valued
- Valuation support — we arrange a professional valuer for you
- Dedicated claims handler for faster, personal service
- Optional transit extension — cover while moving items to and from the vault [confirm availability with insurer]
Who Premium Cover Is For
Jewellery & Watches
Engagement rings, heirlooms and timepieces valued above the standard limit.
Gold & Precious Metals
Investment bullion and collections whose market value you want fully declared.
Dealers & Traders
Commercial stock in bulk boxes, insured at trade value while in storage.
Estates & Families
Multi-generational collections, scheduled once and reviewed annually.
How It Works
Valuation
Have your items professionally valued — we can arrange a trusted valuer.
Declaration
Submit your itemised schedule: each piece, described and valued.
Certification
Cover is confirmed and your certificate issued. The premium is billed separately from your rental.
Annual Review
Update your schedule as your collection changes — add, remove or revalue items.
Standard vs Premium at a Glance
| Standard Cover (included) | NSV Premium Cover (optional add-on) | |
|---|---|---|
| Cost | Included in your box rental | Separate annual premium, billed independently |
| Cover limit | Baseline limit per box (US$ 80,000) | Up to the full value you declare |
| Items covered | General box contents | Individually scheduled and valued items |
| Valuation | Not required | Professional valuation (we arrange it) |
| Claims | Standard process | Dedicated claims handler |
| Transit to/from vault | Not included | Optional extension [confirm with insurer] |
What Premium Cover Costs
Premium Cover is priced on the value you declare — typically 10% of declared value per year, with a minimum premium of US$ 8,000. A jewellery collection declared at US$ 100,000, for example, would be quoted at 10,000 per year.
Clear and separate
Premium Cover is billed separately from — and in addition to — your box rental. It is entirely optional, and no part of your box rental fee includes or counts towards it.
Insurance Questions, Answered
Is insurance included with my box?
Yes — every box includes Standard Cover against fire, theft and damage at no extra cost. Premium Cover is a separate optional service for higher-value collections.
How is Premium Cover priced?
As a percentage of the value you declare, with a minimum annual premium. You receive a written quote before anything is billed — and it is always billed separately from your rental.
Do I need a professional valuation?
For most scheduled items above the standard limit, yes — it protects you at claim time. We can arrange a trusted, independent valuer.
What if I add items later?
Your schedule can be updated any time. New items are covered from the date they are added and the premium is adjusted pro-rata.
Can I cancel Premium Cover?
Yes, at any time. Cover ends on the date you notify us, and unused premium for whole remaining months is refunded.
Who underwrites the cover?
All cover is underwritten by a trusted insurer, licensed by the Insurance Regulatory Authority of Kenya (IRA). Nairobi Safe Vault facilitates the cover and supports your claim end to end.
Get a Premium Cover Quote
Tell us what you plan to store and we'll arrange the valuation and a written quote — with no obligation.