Overview
- Verbraucherzentrale NRW experts urge customers to photograph, keep receipts for, and appraise items in bank lockers to substantiate any loss claims.
- Banks often cap coverage for safe-deposit contents, so customers are advised to check contracts, raise limits with their bank, or buy separate locker insurance.
- If values exceed limits, experts suggest splitting items across another locker or paying cash into an account instead of concentrating it in one box.
- Taking valuables home without proper protection is discouraged because household policies frequently cap cash payouts at roughly €500 to €3,500, though certified, anchored home safes can qualify for higher limits.
- Police report increased phone scams referencing the Gelsenkirchen break-in and warn customers against sharing details about valuables or cash.