Precious Asset Storage
VaultGuard™
Proposed cover for precious metals, gemstones and specie held in rated vaults.
Request a quotationSubject to underwriting
Product overview
Coverage description
All-risks physical loss of stored assets, with limits linked to the vault's certified security grade.
Eligible industries
Bullion holdersVault operatorsGem tradersPrivate wealth clients
Covered risks
- Burglary and robbery
- Fire and natural perils
- Accidental damage during handling
- Insider theft (where insurable)
Policy exclusions
- War, invasion and nuclear risks unless specifically agreed
- Wilful misconduct or fraud by the insured
- Gradual deterioration, wear and tear, inherent vice
- Sanctioned parties, goods or jurisdictions
- Losses outside the agreed territorial scope
Underwriting requirements
- Completed proposal form and declared values
- Independent valuation or certification where relevant
- Security, storage and transit protocols
- Loss history for the last five years
- KYC, sanctions and beneficial ownership checks
- Vault certification and audit reports
Claims procedure
01Notify Renfield as soon as reasonably possible after discovery02Take reasonable steps to prevent further loss and preserve evidence03Provide the documentation requested by the claims team04Cooperate with any appointed loss adjuster05Assessment and any settlement follow the policy terms and insurer approval
Subject to underwriting
All products are proposed or available subject to underwriting approval, applicable licensing and confirmation of insurer capacity. Nothing on this site constitutes an offer of insurance or guaranteed coverage.