HOME ITEMS
Accidental breakage of glass (home)
COVERED
Accidents happen all the time – including in and around the home. Simple things, like popping a champagne bottle and having the cork blast right through a window. So, it’s comforting to know that if the fixed glass in your home accidentally breaks, Suncorp Home Insurance can help.
What policy provides covers?
What’s great about accidental breakage of glass (home) is that you can make a claim independently of a claim for loss or damage caused by an insured event.
What's covered?
We’ll cover accidental breakage of glass or ceramic in things like fixed glass in windows, doors, skylights, mirrors fixed to the home, shower-bath combinations, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.
If we can’t replace the glass in a cooking or heating appliance or the whole cook top or cooking surface because it isn’t available (for example, it’s obsolete or just unavailable at the time), then we’ll pay you as a cash settlement to replace the whole appliance, top, or surface.
We will also cover the frame of any window, door or shower screen, but only if this is necessary to enable the glass to be replaced.
The most we will pay are the reasonable and necessary costs. This limit is paid within the home sum insured.
You may not have to pay an excess for a claim if you’ve added the optional cover ‘Excess-free Glass cover’ and this is shown on your certificate of insurance. See the Product Disclosure Statement for more details.
What's not covered?
There are some instances where you will not be covered. Such as, if the breakage does not extend through the entire thickness of the damaged item (e.g. chips or scratches). We do not cover glass in a glasshouse, greenhouse or conservatory, ceramic tiles or shower bases. Loss or damage caused by the broken item or the cost to remove broken glass from carpets or other parts of your home is also not covered.
You can learn more about this coverage and other exclusions in the Product Disclosure Statement.