Glass insurance

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The glass insurance (also: glass breakage insurance ) is an independent property insurance and is usually taken out together with a household contents or residential building insurance .

object

It offers insurance protection against glass breakage for building and furniture glazing . Under building glazing refers to the residential building and associated garages firmly connected outer and inner plates, for example discs of conservatories and doors. The protection against glass breakage exists for damage at the place of insurance . The place of insurance is understood to be the buildings or rooms of buildings specified in the policy. For insured movable objects ( furniture glazing ), for example glass tables or showcases , cover is only available within the insurance location .

In addition to the pure property damage, the resulting costs such as cleaning up costs are also insured. In addition, other inclusions are possible, such as the renewal of glass paintings and decorations.

The household contents insurance according to the general household contents insurance conditions VHB 42 for the first time also included insurance cover for household glass breakage. This was also included in VHB 66 and 74. With the General Insurance Conditions for Glass Insurance AGlB 86, glass insurance could be concluded separately. The revised conditions AGlB 92, 2000 / E, and 2011 followed.

Insured risk

According to the non-binding association conditions of the GDV, glass insurance provides protection for glass breakage on insured items. The glazing is broken when a pane is damaged throughout its cross-section. A crack or crack that extends from the front to the back is equivalent to a break.

Uninsured risks and damage

There is no protection for surface damage, for example scratches or shell breakouts * and leakage of the edge connections of multi-pane insulating glazing. There is no insurance cover for the dangers that are covered by household or residential building insurance, e.g. fire or burglary. There is now at least one provider (AMV) who has also insured mussel outbreaks in its tariff. The same applies to glass damage to smartphones.

Exclusions

For damage caused by

  • war
  • Internal unrest
  • Nuclear energy

there is no insurance cover.

Insured and uninsured items

Insured things Separately insurable items (pre-installed or assembled) Uninsured things
Ready-to-use or assembled panes, plates and mirrors made of glass Discs and plates of plastic optical glasses, hollow glasses, dishes, lighting fixtures and hand mirrors
artistically worked glass panes, plates and mirrors Glass ceramic plates Photovoltaic systems
Glass blocks and profiled glass Items that are already damaged when the application is submitted
Light domes made of glass or plastic Panes and plates of glass or plastic that are part of electronic data, sound, image reproduction and communication devices
Panels of solar panels including frames
other things that are named in the insurance policy

Insured costs

Insured costs

The insurance covers those necessary and actually incurred as a result of an insured event

  • Costs for the temporary closing of openings (emergency glazing)
  • Costs for transporting insured items to the next storage location (disposal costs)

Separately insurable costs

  • Additional services, for example crane or scaffolding costs, to simplify the delivery and assembly of insured items
  • Costs for the renewal of paint, paintings, writings, decorations and foils on the insured property
  • Costs for the removal and reassembly of things that hinder the insertion of replacement panes, for example protective grilles and awnings
  • Costs for the removal of damage to frames, fittings, masonry, protection and alarm devices

Examples of damage

  • A wife receives flowers from her husband. She fetches a vase of water and puts the flowers in it. When putting the vase down, she trips over her dog, causing the vase to fall onto the glass table. Break both the vase and the table. → There is insurance coverage for the table, but not for the vase (hollow glass)
  • The son, who is playing on the terrace, wants to rush to his mother's help and overlooks the glass door. When he runs against it with full force, it breaks into a hundred pieces. → The door is part of the building glazing and is insured
  • When the son ran against the door, the glass of his glasses broke at the same time. → Optical glasses not insured

literature

  • Anton Martin: Property Insurance Law. 3. Edition. Beck, Munich 1992, ISBN 3-406-33521-7 .
  • Peter Köster, Victor Lüpertz, Rolf Schmalohr: Insurance and finance. Volume 2. 4th edition. Europa-Lehrmittel, 2011, ISBN 3-808-57778-9

Web links