Panes and glazing
- Windows, doors and shop frontages
- Roof lights and skylights
- Insulating glass, including where the unit fails
- Glass in common areas
Glass insurance for property
Glass insurance pays for replacing broken panes in your building, whatever the cause. With let property the main question is who arranges the cover: you as owner or the tenant.
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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 is all-risks cover for breakage: in principle it makes no difference whether the pane is broken by a stone, a storm, an unlucky movement or vandalism. What is insured is usually the glass serving to admit light in the windows, doors, frontages and roof lights of the building, including the glass in common areas. The payment consists of replacement with glass of the same type and thickness, plus the cost of fitting and often emergency boarding.
With investment property the first question is who insures the glass. In a lease, glass is sometimes placed with the tenant and sometimes with the landlord. If it is not clearly dealt with, a dispute arises after a loss. For a VvE the glass in the common facade usually belongs on the association's policy, while internal glazing behind the front door is private. What falls where follows from the deed of division and the regulations (Article 5:112 of the Dutch Civil Code).
Glass cover often appears as a section on the buildings insurance, but it can also be taken out separately. The latter is usual for large areas of glass, shop frontages or buildings with frequent changes of tenant.
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What is covered?
The cover revolves around the glass that admits light, the cost of replacing it and the temporary provision until that has been done.
Replacement and repair
What the insurer pays alongside the pane itself.
- Fitting and finishing
- Emergency boarding with plywood or film
- The cost of a crane for glass at height
- Sometimes damage to the frame caused by the breakage
Additional sections
Items that are only covered if you insure them expressly.
- Leaded and stained glass
- Lettering, film and alarm strips
- Sanitary ware and mirrors in common areas
- Solar control or laminated safety glass
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A pane broken by vandalism | Yes | Yes |
| Insulating glass losing its effect through seal failure | Provided that | Yes |
| Lettering or film on the broken pane | No | Yes |
| Leaded glass in an older building | No | Provided that |
| Breakage during conversion work on the facade | No | No |
| A scratch or damage without the pane breaking | No | No |
What is actually covered, including exclusions, maximum amounts and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) you receive before taking out the cover.
What does your premium depend on?
- Glass surface area: the number and size of the panes
- Type of glass: insulating, safety or special glass
- Use of the premises: retail or hospitality weighs more heavily than residential
- Location: street level and nightlife areas mean more breakage
- Vacancy: vacant property costs more or is covered on a limited basis
- Claims history: previous glass claims count
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk 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.
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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.
What to look out for
Four points that often cause disputes with let and mixed-use property.
Record who insures the glass
In many commercial leases the glass cover is placed with the tenant, while in residential lettings it more often sits with the landlord. If it is not dealt with, or the tenant's policy lapses without your noticing, you are left with the bill after a breakage. Set out in the lease who insures it and ask periodically for evidence of cover. A change of tenant is the moment to check it again.
Large panes and special glass call for a bespoke approach
Standard conditions assume ordinary flat glass. Shop frontages, full-height glazing, laminated or toughened safety glass and glass that can only be fitted with a crane cost many times as much to replace. Some policies apply a maximum amount per panefor that. For leaded glass the rule is that it is usually only paid on the basis of the value of ordinary flat glass, unless it is insured separately.
What is not included
The cover does not include, among other things: breakage during building work, installation or transport of the glass; glass in premises that have stood is unoccupied for longer than the period stated in the policy, or that are squatted; scratches, minor damage and staining without breakage; and intent or wilful recklessness of the insured, excluded under Article 7:952 of the Dutch Civil Code. Glass in greenhouses, glass in furniture, mirrors in private parts and free-standing structures are usually not covered either, nor is consequential loss such as lost rent or loss of turnover through the temporary closure.
Always report vacancy and conversion work
Vacancy and conversion work are the two situations in which most glass damage arises and in which cover is most often restricted. Both count as a change in risk that you must report. If you do not, the insurer can rely on the duty of disclosure under Article 7:928 of the Dutch Civil Code and reduce or refuse the payout under Article 7:930 of the Dutch Civil Code. Report a breakage immediately as well; Article 7:941 of the Dutch Civil Code requires prompt notification and mitigation of the loss.
Frequently asked questions
This is what people ask us most.
Is glass already included in my buildings insurance?
Often it is, as a separate section you can switch on or off. Check whether it covers all glazing or only glass broken by a covered peril such as storm or fire. A full glass section covers breakage whatever the cause. With large areas of glass, a separate glass policy can be cheaper or wider.
Who pays in a VvE building?
The glass in the common facade normally falls under the owners' association's insurance. Glass within the private part, such as an internal door or a partition, is for the owner themselves. The deed of division and the regulations determine the line, and it is not the same in every complex. Look at both documents before you report a claim.
Is insulating glass that mists up insured?
That varies. Where the insulating effect is lost through failure of the unit, without any breakage, some policies cover it and others do not. Where cover exists, a period after installation or a deduction for age often applies. Ask about this explicitly for a recently refurbished building with a lot of glass.
What if the building stands empty?
Always report this. Where vacancy exceeds a period stated in the policy, glass cover often lapses or is restricted to damage by fire and storm. Insurers then usually impose conditions such as periodic inspection and boarding up vulnerable frontages. Without notification you risk the insurer relying on the changed risk situation.
Does the insurer also pay the loss of rent?
No. Glass insurance pays for the glass, the fitting and usually emergency boarding. Lost rent, the tenant's loss of turnover or the cost of temporary closure fall outside it. That consequential loss belongs with loss of rent cover on the buildings insurance or with the tenant's business interruption insurance.
Every situation is different. For these situations we have a separate page.
- Compare buildings insurance (opstalverzekering)The main page
- Buildings insurance (opstalverzekering) for property ownersTrade description, index, loss of rent
- Insurance for let homesReal estate, homes, combined policy
- Insurance for let propertyBuildings insurance, vacancy, owner's interest
- Property management and insuranceLet property, Article 6:174 DCC, vacancy
- Glass insurance for offices, flats and homes that are letLetting, common glass, breakage
- Compare glass insuranceLease, glass area, emergency boarding
- Glass insurance for businessesShop window, lease, emergency boarding
How much glass do you own?
Request a quote without obligation. We take stock of the glass area of each building and the conditions that apply during vacancy.
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.