Banks saying not responsible for locker loss

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It is correct that banks do not know what kept in the lockers therefore they can not take any responsibility. But when they are charging rents for the lockers.They can provide at least group insurance. totally not having any responsibility is not correct. any other options for insurance. Someone was telling that even for fixed deposits, banks responsibility is very limited in some circumstances. Is it correct? more  

There is misapprehension that the bank employees only will cheat by stealing. What about the customers who cheats the bank and defraud? How do we rely the customer's statements. If the theft happens in the house, how do they satisfy the Police the loss of jewels though they knew what they kept in their house. Can we leave filing case as the owners of the jewels are responsible as it is under their lock and key. There need to be constructive and justifiable reasons to make one responsible depending upon the circumstances. In this case the bankers cannot be held responsible as they are not aware of the contents. There is a solution to insure the contents by the locker holders with an insurance companies by declaring the entire ornaments. The customers who dare to make publish their holdings, can insure with insurance companies which will be helpful more  

Why can't an optional insurance scheme be extended for customers of Bank Lockers. Customers, who want to safeguard their interest, can then decide the amount of insurance he wants to have, depending upon the value of goods kept in the locker. I presume the insurance premium would not be very high.Nearly Rs. 6,400 + Taxes per year can fetch an insurance of nearly 15 lakhs. more  

Are you all forgetting that it takes two people to open the locker. One is the official of the Bank, and the other person is YOU. The locker is opened only when the two keys are used to open. After the locker is opened the Bank person leaves. Right ? Okay, then how does the bank know what you have put in the locker ? if they were to know the very next day they would have swiped out all your possessions kept there. Note also that in developed countries also the Banks are NOT held responsibile for the lockers,, UNLESS THERE IS THEFT OR ROBBERY. Please read this in a logical fashion. more