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Glass insurance through Allianz
The first question with glass insurance is not which cover you choose, but whether under your lease the glass is in fact yours to insure.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Structurally, glass belongs to the building and therefore to the owner. In many commercial leases, however, glass insurance is placed by contract with the tenant, along with maintenance of the windows. If the lease does not say so, the landlord insures the glass on their buildings insurance and you are paying twice for nothing.
Covered are breakage of the windows forming part of the building, whatever the cause: a stone through the shop window, a ladder against the frontage, thermal stress cracking or storm. The policy pays for the glass and for fitting it, and usually also for the emergency repairs needed that same evening to make the premises secure.
Practice makes the difference: for a shop it is about the display window and the turnover lost while a sheet of plywood stands in front of it, for an office about insulating glazing, and for a bar or restaurant about a frontage that is vulnerable at night. See also our page on commercial glass insurance.
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Glass insurance through Allianz: what is covered?
The structure of the cover in three parts, with an overview per situation below.
What we do
From assessment to policy.
- Matching cover to your work
- Conditions side by side
- Switching, including cancellation
In the event of a claim
What really matters.
- Notification and guidance
- Assessing a rejection
- Objection where necessary
What is covered
| What we look at | Explanation |
|---|---|
| Does the cover suit your activities | Yes |
| Sum insured and excess | Yes |
| Exclusions and clauses | Yes |
| Fit with your other policies | Yes |
| Premium in relation to the conditions | Yes |
| Comparing on premium alone | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Total glass area of the building. The square metres of glazing are the usual basis for the premium on this product.
- Type of glazing. Single glazing, insulating glazing, toughened or laminated glass and Georgian wired glass differ considerably in replacement cost.
- Size of the largest pane. A continuous shop frontage requires a crane and made-to-measure glass and costs far more to replace than several small panes.
- Use of the premises. Bars, restaurants and shops in a nightlife area suffer more vandalism than an office on a business park.
- Ancillary items covered as well. Illuminated signs, facade cladding, lettering and solar film are included in the cover separately.
- Excess per pane. An excess keeps small panes out of the policy and reduces the premium for the large areas of glass.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
First read who insures the glass under the lease
In standard commercial lease models glass insurance is often allocated to the tenant, but that is not a rule of law and it is regularly agreed differently. If it rests with the landlord and you take out a policy anyway, you pay twice. If it rests with you and you do nothing, you bear the cost of a breakage yourself and the landlord can hold you liable for breach of the lease. We will check that provision with you.
Emergency boarding and the days that follow
A broken shop window has to be boarded up immediately, usually outside office hours and at an emergency rate. Check whether emergency boarding, removal of glass debris and the restoration of lettering or etching are included; on a large frontage those items together often exceed the cost of the glass itself. The turnover you lose while there is plywood across the front is not covered here but belongs to business interruption insurance.
Insulating double glazing: breakage yes, seal failure no
With double glazing the most common complaint is not breakage but condensation between the panes, because the sealant no longer does its job. That is an inherent defect and not breakage, and it is therefore an exclusion in virtually every policy. Some insurers offer a separate extension for it, usually limited to glazing below a certain age. Ask about it explicitly if your building has large areas of glass.
What is not included
Excluded are scratches, surface damage and breakage during building work, installation or transport of the pane. Frames, mouldings and the paintwork around them fall outside the cover as well, as does glass in greenhouses, horticultural glasshouses and separate secondary glazing. Breakage of glass in furniture, display cabinets and mirrors belongs to the business contents insurance. Illuminated signs and facade panels are only covered if they are expressly included.
Frequently asked questions
This is what people ask us most.
I rent my business premises. Do I have to insure the glass myself?
That depends entirely on your lease. In many model commercial contracts glass insurance is allocated to the tenant, but the parties regularly depart from that. Read through the article on maintenance and insurance and, if necessary, ask your landlord whether the glass is on their buildings policy. Avoid a situation in which both parties assume the other has arranged it.
Is condensation between my double glazing insured?
As a rule, no. The pane is not broken but leaks between the sheets because the edge seal has aged. That is a defect in the glass itself and not a sudden event. Only a separate extension for seal failure or leakage of insulating glazing covers this, usually with an age limit. Ask about it for older frontages, because replacing large insulating panes is expensive.
A stone through the window: does glass insurance also pay for the damage inside?
No, only the glass and the fitting of it, plus the emergency boarding. The damaged display case, the furniture soaked by rain and the goods stolen fall under your contents and goods insurance. So always report such an incident to the police and notify both covers. We submit the claim split between them so that you are not caught between two claims handlers.
The glazier breaks the new pane while fitting it. Who pays for that?
Not your glass insurance: breakage during installation, transport or building work is excluded as standard. This is a matter between you and the glazier, who had the pane in their care. Their liability insurance should pick it up through the care, custody and control cover. For larger frontages, ask in advance whether your supplier is insured for it and up to what amount, because made-to-measure glazing quickly adds up.
Every situation is different. For these situations we have a separate page.
- Buildings insurance (opstalverzekering) and commercial buildings insurance (gebouwenverzekering): the same or not?The main page
- Glass insurance for businessesShop window, lease, emergency boarding
- Compare glass insuranceLease, glass area, emergency boarding
- Glass insurance: types of glass and equivalent repairLease, shop windows, emergency boarding
- Glass insurance for a VvECommon glass, private windows, emergency boarding
- Glass insurance for propertyLet buildings, who pays, emergency boarding
- Glass insurance for propertyBreakage, facade and roof, let property
- Glass insurance for offices, flats and homes that are letLetting, common glass, breakage
Read more
Within Opstalverzekering gebouwenverzekering
Also relevant
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.