Do I have glass cover?
There’s broken glass cover under all our house policies. Vehicle glass damage can also be covered on your car. The excess that applies depends on the policy that’s in place. Please refer to the product types below for which excess applies to your situation.
Key takeaways
- Broken glass cover is included under all initio house policies, while vehicle glass can also be covered depending on the vehicle policy.
- Own Home insurance has a special $250 breakage excess for glass in windows, doors and screens, instead of the standard policy excess.
- The $250 breakage excess also applies to accidental breakage of sinks, baths, toilet bowls, shower cabinets, bidets, fixed glass lampshades, permanent mirrors and glass in built-in cabinetry.
- The $250 breakage excess does not apply to glass cooktops or glass oven doors. Your standard policy excess applies instead.
- For landlord insurance and holiday home insurance, your standard policy excess applies to glass claims.
- Vehicle glass is covered separately in the vehicle policy, with the article directing customers to the windscreen damage guide for details.
- Glass claims need to be lodged through your initio dashboard by selecting Make a Claim from the relevant policy.
What excess applies to glass claims on my Own Home policy?
Our “Own Home” home insurance cover for owner-occupied homes has a lower “breakage” excess of $250 for glass in windows, doors and screens. This replaces the standard excess you choose on the policy. This special breakage excess applies for accidental breakage of other items, too!
An overview
| Property / item | Excess that applies |
|---|---|
| Own Home: windows, doors and screens | $250 breakage excess |
| Own Home: sinks, baths, toilet bowls, shower cabinets and bidets | $250 breakage excess |
| Own Home: fixed glass lampshades, permanent mirrors and glass in built-in cabinetry | $250 breakage excess |
| Own Home: glass cooktops | Standard policy excess |
| Own Home: glass oven doors | Standard policy excess |
| Landlord property glass | Standard policy excess |
| Holiday home glass | Standard policy excess |
What excess applies to glass claims on landlord and holiday home insurance?
The standard policy excess you’ve chosen will apply under our landlord and holiday home policies.
What about windscreen and vehicle glass cover?
For vehicle glass, see our article: steps to take if your windscreen is damaged.
Need to make a glass claim?
All claims need to lodged through your dashboard login. You can make a claim by selecting the Make a Claim option on the right-side menu on the policy.
Frequently asked questions
Does the $250 breakage excess apply to every Own Home glass claim?
No. The $250 breakage excess only applies to the items listed in the policy, including windows, doors, screens, sinks, baths, toilet bowls, shower cabinets, bidets, fixed glass lampshades, permanent mirrors and glass in built-in cabinetry. Glass cooktops and oven doors have your standard policy excess.
Why is the glass excess different for my rental property?
The special $250 breakage excess applies to Own Home policies. For landlord and holiday home insurance, your selected standard policy excess applies to glass claims.
Does the $250 breakage excess apply to every Own Home glass claim?
No. The $250 breakage excess only applies to the items listed in the policy, including windows, doors, screens, sinks, baths, toilet bowls, shower cabinets, bidets, fixed glass lampshades, permanent mirrors and glass in built-in cabinetry. Glass cooktops and oven doors have your standard policy excess.
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