The latter covers theft and damage is evolving

The recent news is not reassuring for holders of a safe in a bank. Pell-mell, miscellaneous facts retained for the last few months, the theft of a large trunk sealed in the concrete to the company General of Toulouse, the 117 compartments emptied during the night of Eve in the Fund of saving of Montreuil, 200 open chests late March in a Parisian branch of Credit Lyonnais. Then, in early April, an attempt of breakage in an agency BNP Paribas of Paris 13earrondissement. No Bank, no city does appear to escape these robberies. But install a safe at his home instead to rent one is not more, a solution free of concerns or even of unpleasant surprises.

Rent a safe in a Bank provides this benefit that protection will often be very superior to that of a particular home. Because in addition to the obligation to ensure the proper functioning of the security systems regularly, the Bank committed its own responsibility for theft and loss. For its part, one who chooses to keep his goods at his home should not look at the expenditure. He will choose not only a quality material, certified A2P to obtain a good resistance, prepare a discrete location, but also ensure a special insurance for valuables if the amounts guaranteed in the comprehensive housing are inadequate. All constraints that are quickly climbing the addition... None of this in a bank... except that get a trunk is not necessarily easy or immediate.

Rates to variable geometry

Some institutions exclusively reserve this service to their customers. Others are less pushy. However, fault of place, must sometimes wait several months before a. Overall, the principles of operation of a trunk are substantially the same bank to another. The tenant signs a contract where he proves its identity and provides a sample of his signature. The rate is variable. It varies depending on the size of the trunk, the Bank, the duration and the value of insurance. The latter covers theft and damage is evolving... of the talents of negotiation of the lessee and declared value. On average, it takes 80 EUR per year with coverage limited to the coffers of small capacity. Note that Credit Lyonnais and Société Générale offers the advantage of flexibility by offering rentals on short periods (quarter, semester). A security deposit is sometimes required. Kind of deposit, it is usually returned at the end of the contract as intended to "cover any costs of trunk key loss, prevent chests abandoned or still ensure a default of payment of the rental price", explains a manager of Crédit Lyonnais.

A safe allows to make all kinds of objects, precious or not (titles of property, invoices, etc.). If there is no obligation to declare the nature of the goods, on the other hand, the tenant must refrain from placing objects or even harmful, dangerous, said the contract Fund of savings IDF of "computer media, of the tapes, films" or microfilm. At the same time, the Bank is subject to a duty of discretion. It has never double the key. But it may reserve the right to safety check packages on their filing or subsequent visits.

The electronic safe

Access to a safe in a bank is there still strict rules. Subject to the days and hours of operation of the Agency, the tenant has a unique copy of key. All his visits are recorded in a book and it is always accompanied by an employee who holds a password control on the secondeserrure of the compartment. At its discretion, it may designate one or more agents through a proxy "special", different from the banking general power of attorney. In the case of a joint trunk, each of the housemates signed the contract, which gives them access only to the trunk. Upon the death of the tenant access to the compartment is blocked including featuring a proxy and key people. The opening can then be in presence of the heirs of the notary. However, in the case of a joint trunk, the roommate can continue to freely access except opposition from the heirs.

Another solution: the electronic safe. It does not replace "physical" counterpart but brings a solution to the conservation of important documents. From hacking, viruses and technical failure of a computer or hard drive, the writings are available all the time and everywhere simply connecting over the Internet. Practice however, this logic of precaution has a price variability evolves according to the storage or options such as certification or the time stamp.

Beyond a non-neutral cost that is superimposed on many others, this lack of enthusiasm for the client service seems today abandoned many traditional banking institutions. Pharmacies are Flores on the Internet, be remembered that their service can easily substitute for personal archiving by scanning documents on one or more mail boxes, operating a copy on an external hard drive or a backup CD. All free of charge.

Rent or own a chest is a personal matter. And each has its advantages and disadvantages of much study. However, according to Credit Lyonnais "the risk is much larger at home than in a bank where finally burglaries remain outstanding."