Panes
- Shop window and frontage
- Double and insulating glazing
- Vandalism and storm
Compare glass insurance
A broken shop window is rarely an expensive loss, but it is one you have to close up straight away or you cannot open that day. Speed counts for more here than the amount.
- 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
Glass insurance pays for replacing broken panes in your premises, whatever the cause: a stone, a vehicle, storm or your own doing. Usually the emergency repairs is covered as well: closing the opening temporarily until new glass is in place.
The first question is not which policy you need but who insures the glass. In many leases that is the tenant, in others the landlord. If it is not stated, there is a real chance that nobody has arranged it and that you only find out when the pane is out.
Also note exactly what is included. As standard this means panes serving to admit light. Mirrors, glass doors, display cabinets, shower screens and facade cladding are not automatically included.
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What does glass insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Emergency boarding
Closing the opening temporarily until the new glass is fitted.
- Boarding up or temporary glazing
- Often available 24/7
- Response times vary considerably
Extensions
Glass that falls outside the basic cover.
- Mirrors and display cabinets
- Worked or curved glass
- Signage and lettering
What is covered
| Situation | Covered |
|---|---|
| A shop window smashed | Yes |
| Double glazing that fails through breakage | Yes |
| Emergency boarding until the glass is replaced | Sometimes |
| Mirrors, display cabinets and shower screens | No |
| Lettering and film on the pane | Sometimes |
| Scratches, condensation between double glazing and installation errors | 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: the main basis for calculation
- Type of premises: shop, office, hospitality or industrial unit
- Location: shopping street, nightlife area or business park
- Type of glazing: standard, toughened, laminated or worked
- Extensions chosen: mirrors, display cabinets, lettering
- Excess
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Look at your lease first
Most disputes about glass are not about the cover but about who should have arranged it. Standard leases place glass sometimes with the tenant and sometimes with the landlord. Check that before you take out anything; insuring twice costs money and not insuring at all costs more.
The response time is the real product
When a shop window is smashed, the question is not what the glass costs but how quickly the opening is closed. Ask about the guaranteed response time for emergency boarding and whether it applies at night and at weekends as well. For a shop, a day closed costs more than the pane.
Worked glass costs many times as much
Toughened glass, laminated glass, curved glass, fire-resisting glass and panes with film or lettering are considerably more expensive and sometimes not covered as standard. Declare special glazing separately with its actual replacement cost; otherwise you are paid for standard glass.
What is not included
Scratches, condensation between double glazing without breakage, and damage caused by an installation error are not glass breakage within the meaning of the policy. Glass that breaks during conversion work or while being moved is usually outside it too; report such works in advance.
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM licence 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in schadeverzekeringen particulier, Adviseren en bemiddelen in schadeverzekeringen zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
This is what people ask us most.
Who insures the glass: the tenant or the landlord?
That is set out in the lease and it differs from one contract to another. Check it before you take anything out. It is the most common cause of being insured twice or not at all.
Is double glazing covered as well?
Yes, for breakage. Condensation between the panes without breakage is not glass damage but a defect in the unit, and it falls outside the cover.
Are mirrors and display cabinets included?
Not as standard. The basic cover concerns panes serving to admit light. Mirrors, display cabinets and shower screens have to be applied for separately.
How quickly is the glass replaced?
That varies considerably between insurers. Ask about the guaranteed response time for emergency boarding and whether it applies outside office hours. For a shop or restaurant that matters more than the premium.
Is lettering on the pane included?
Often only if you declare it separately. On a large shop window with film or signage that amount adds up considerably.
What if the glass breaks during conversion work?
That is usually excluded. Report the works in advance. Some insurers then offer a temporary extension.
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
- Glass insurance: types of glass and equivalent repairLease, shop windows, emergency boarding
- Glass insurance for propertyLet buildings, who pays, emergency boarding
- Glass insurance for a VvECommon glass, private windows, 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
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.