Can I store wills, title deeds and original documents?
The short answer
Yes. Original documents such as title deeds, certificates and contracts are well suited to a safe deposit box. A will needs more thought, because after your death the original must reach the Master of the High Court, and access to your box may itself depend on estate procedures. Many people keep the original will with their attorney or executor and a copy in the box.
Documents worth protecting
Originals can be slow, costly or impossible to replace. Common examples include title deeds, birth, marriage and death certificates, antenuptial contracts, share certificates, trust deeds, loan agreements and academic certificates. A box keeps them away from household risks such as burglary, misplacement and house fires.
The special case of a will
When someone dies, the original will must be delivered to the Master of the High Court, who issues letters of executorship to the executor. If the only original is locked in the deceased person's box, the family may need to follow the provider's estate procedure before it can be retrieved, which can add delay at a difficult time. An executor must provide letters of executorship (or another appointment by the Master of the High Court) and proof of identity. Knox may refuse access if it has concerns about identity or the validity of documents. The executor steps into the client's position, including responsibility for outstanding fees and costs.
Common approaches include leaving the original with the attorney or professional executor who drafted it and keeping a copy in the box, or making sure your family knows where the original is and how it can be reached. An attorney can advise on what suits your estate.
Title deeds and certificates
In South Africa, ownership of property is recorded at the Deeds Office, so losing a title deed does not mean losing the property. Replacing an original still involves a formal application and cost, which is why many owners keep it somewhere secure. If your property is bonded, the bank may hold the original title deed, so you may not have it at all.
Keeping paper in good condition
Store papers flat in acid-free folders or archival sleeves, and avoid paper clips and rubber bands that can stain or tear. Keep a list of what is in the box, with copies of key documents, at home or with your attorney, so that your family knows what exists and where it is.
How Knox handles this
Ready for the next step?
Speak to the Knox team about your situation. They will confirm current pricing, availability and requirements before you decide.
