Insurance broker / Glass insurance in Germany (Glasversicherung) / Policy wording archive
Ammerländer Glasversicherung: the policy wording in full
Glasversicherung mit Sachleistung ohne Summe, Glaskeramik, Wintergarten, Aquarien und Duschkabinen eingeschlossen, Mehrkosten durch Lage bis 500 EURO.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for Ammerländer Glasversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured or maximum indemnity per claim (where not unlimited) | as stated in the policy schedule | „Der Versicherer gewährt im Versicherungsfall eine Sachleistung, zu der er den Auftrag …“ | § 7 Nr. 1 a), page 12 |
| Glass insurance available as a separate policy (without home contents or buildings policy) | yes | „Versicherungsbedingungen und Informationen Glasversicherung“ | Deckblatt, page 1 |
| Furniture glazing insured (household glass, contents of the home) | yes | „fertig eingesetzte oder montierte Scheiben, Platten und Spiegel aus Glas“ | § 3 Nr. 1 a), page 11 |
| Building glazing insured (windows, doors, fixed panes) | yes | „Versicherungsort sind die in dem Versicherungsschein bezeichneten Gebäude oder Räume …“ | § 5, page 4 |
| Building glazing of a rented flat covered for tenants | not addressed | ||
| Flat rate cover by living area or lump sum, without listing individual panes | yes | „mit Angabe der neuen Wohnfläche in Quadratmetern“ | § 8 Nr. 4 a), page 12 |
| Size limit per individual pane (square metres) | not addressed | ||
| Compensation at replacement value (restoration of like kind and quality) | yes | „in gleicher Art und Güte“ | § 7 Nr. 1 b), page 12 |
| Replacement in kind: insurer has the pane replaced by a glazier | yes | „Der Versicherer gewährt im Versicherungsfall eine Sachleistung“ | § 7 Nr. 1 a), page 12 |
| Waiver of the underinsurance defence | not addressed |
Insured glass in the household
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Panes and panels in furniture, display cabinets and cupboards | yes | „fertig eingesetzte oder montierte Scheiben, Platten und Spiegel aus Glas“ | § 3 Nr. 1 a), page 11 |
| Glass table tops | yes | „fertig eingesetzte oder montierte Scheiben, Platten und Spiegel aus Glas“ | § 3 Nr. 1 a), page 11 |
| Mirrors (fixed or wall mirrors) | yes | „fertig eingesetzte oder montierte Scheiben, Platten und Spiegel aus Glas“ | § 3 Nr. 1 a), page 11 |
| Glass ceramic hobs | yes | „Glaskeramik-Kochflächen“ | § 3 Nr. 2 a), page 3 |
| Induction hobs including electrical parts | yes | „Glaskeramik-Kochflächen“ | § 3 Nr. 2 a), page 3 |
| Viewing panes of ovens, microwaves and stoves | not addressed | ||
| Aquariums and terrariums (including consequential damage to animals and plants where stated) | yes | „Aquarien und Terrarien“ | § 3 Nr. 2 c), page 11 |
| Shower cubicles and screens of glass or plastic | yes | „Duschkabinen aus Kunststoff“ | § 3 Nr. 2 d), page 3 |
| Panes and panels of plastic (acrylic, polycarbonate) | no | „sonstige Scheiben und Platten aus Kunststoff“ | § 3 Nr. 3 a), page 11 |
| Panels of natural stone, marble or granite (e.g. worktops, window sills) | not addressed | ||
| Sanitary ceramics (washbasins, toilets, baths) | not addressed | ||
| Glass of pictures and picture frames | yes, up to EUR 250 | „künstlerisch bearbeitete Glasscheiben, -platten und -spiegel. Die Entschädigung ist je …“ | § 3 Nr. 1 b), page 11 |
| Lamps, hollow glass and glass tableware included | no | „optische Gläser, Hohlgläser, Geschirr, Beleuchtungskörper und Handspiegel“ | § 3 Nr. 3 b), page 3 |
| Screens, displays and touchscreens (TV, computer, mobile phones) included | no | „die Bestandteil elektronischer Daten-, Ton-, Bildwiedergabe- und Kommunikationsgeräte sind“ | § 3 Nr. 3 e), page 2 |
Insured building glazing
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Window and door panes (including multi pane insulating glass) | yes | „fertig eingesetzte oder montierte Scheiben, Platten und Spiegel aus Glas“ | § 3 Nr. 1 a), page 11 |
| Conservatory and loggia glazing | yes | „Scheiben von Wintergärten aus Glas“ | § 3 Nr. 2 b), page 11 |
| Roof windows, dome lights and skylights | not addressed | ||
| Glass roofs, canopies, patio roofs and carports of glass or plastic | not addressed | ||
| Balcony, parapet and railing glazing | not addressed | ||
| Glass blocks and profiled building glass | yes | „Glasbausteine und Profilbaugläser“ | § 3 Nr. 2 e), page 3 |
| Glass of solar thermal and photovoltaic modules | no | „Photovoltaikanlagen“ | § 3 Nr. 3 c), page 11 |
| Greenhouses, cold frames and pond covers | not addressed | ||
| Failure of the edge seal of insulating glass (misting, clouding) | no | „Undichtwerden der Randverbindungen von Mehrscheiben-Isolierverglasungen“ | § 1 Nr. 2 a) bb), page 3 |
Perils and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakage from any cause (all risks for glass) | yes | „Entschädigt werden versicherte Sachen, die durch Bruch (Zerbrechen) zerstört oder …“ | § 1 Nr. 1, page 11 |
| Breakage by vandalism or malicious damage | yes | „Einbruchdiebstahl, Vandalismus“ | § 1 Nr. 2 b) bb), page 11 |
| Cost of emergency glazing and boarding up | yes, up to the sum insured | „das vorläufige Verschließen von Öffnungen (Notverschalungen, Notverglasungen)“ | § 4 Nr. 1 a), page 3 |
| Cost of scaffolding, cranes and lifting equipment | yes, up to EUR 500 | „Sachen durch deren Lage verteuert (Kran- oder Gerüstkosten ... auf max. 500,- EURO …“ | § 4 Nr. 1 c), page 11 |
| Cost of removing and refitting obstacles (grilles, awnings, furniture) | yes, up to EUR 500 | „Sachen durch deren Lage verteuert (Kran- oder Gerüstkosten ... auf max. 500,- EURO …“ | § 4 Nr. 1 c), page 11 |
| Damage to frames, fittings and profiles | not addressed | ||
| Paintings, lettering, decorations and films on the glass | not addressed | ||
| Alarm sensors and security devices on or in the glass | not addressed | ||
| Cost of disposing of broken glass | yes, up to the sum insured | „das Abfahren von versicherten Sachen zum nächsten Ablagerungsplatz und für die …“ | § 4 Nr. 1 b), page 11 |
| Extra cost of urgent, night, Sunday and holiday work | not addressed | ||
| Extra cost of custom made and special glass (safety, acoustic, ornamental) | not addressed | ||
| Extra cost of more energy efficient glazing required by regulation | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of scratches, scuffs and conchoidal chips (no breakage) | yes | „Beschädigungen von Oberflächen oder Kanten (z. B. Schrammen, Muschelausbrüche)“ | § 1 Nr. 2 a) aa), page 3 |
| Exclusion of breakage by fire, lightning or explosion | yes | „Brand, Blitzschlag, Explosion, Implosion“ | § 1 Nr. 2 b) aa), page 11 |
| Exclusion of breakage by storm, hail or other natural hazards | yes | „Sturm, Hagel“ | § 1 Nr. 2 b) cc), page 11 |
| Exclusion of damage during work on the pane, its frame or during fitting and removal | not addressed | ||
| Exclusion of breakage due to subsidence, settlement or building movement | not addressed | ||
| Exclusion or restriction when the home is vacant or unoccupied | yes | „die Wohnung länger als 60 Tage unbewohnt ist“ | § 9 Nr. 1 a), page 13 |
| Exclusion of war, civil unrest, nuclear energy | yes | „Schäden durch Krieg, kriegsähnliche Ereignisse, Bürgerkrieg, Revolution, Rebellion oder …“ | § 2 Nr. 1, page 11 |
| Reduction of benefit for grossly negligent damage | yes | „Führt der Versicherungsnehmer den Versicherungsfall grob fahrlässig herbei, so ist der …“ | § 24 Nr. 1 b), page 21 |
Deductible, obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | not addressed | ||
| Waiting period after start of cover | not addressed | ||
| Claim notification: deadline and form | yes | „dem Versicherer den Schadeneintritt, nachdem er von ihm Kenntnis erlangt hat, unverzüglich“ | § 17, page 17 |
| Duty to report to the police (vandalism, burglary) | yes | „Schäden durch strafbare Handlungen gegen das Eigentum unverzüglich der Polizei anzuzeigen“ | § 17, page 17 |
| Insurer's approval required before instructing a glazier | not addressed | ||
| Duty to keep damaged parts until inspection | yes | „die beschädigten Sachen bis zu einer Besichtigung durch den Versicherer aufzubewahren“ | § 17, page 17 |
| Cover when moving home (transfer to new home) | yes | „Wechselt der Versicherungsnehmer die Wohnung, geht der Versicherungsschutz auf die neue …“ | § 8 Nr. 1, page 12 |
| Increase in risk: what must be notified (alterations, vacancy, business use) | yes | „im Versicherungsort ein gewerblicher Betrieb aufgenommen wird“ | § 9 Nr. 1 d), page 13 |
| Contract term and tacit renewal | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | § 11 Nr. 3, page 14 |
| Right of both parties to cancel after a claim | yes | „Nach dem Eintritt eines Versicherungsfalles kann jede der Vertragsparteien den …“ | § 23 Nr. 1, page 20 |
| Better position or performance guarantee versus model terms or previous tariff | not addressed |
Specific to Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Glass breakage with cover share for building and contents (percent of sum or 100 %) | not addressed | ||
| Cover on a first loss basis (primer riesgo) | not addressed | ||
| Basic line covers glass breakage only for vandalism or named causes | not addressed | ||
| Reference to the Consorcio de Compensación de Seguros for extraordinary risks | not addressed | ||
| Repair through the insurer's network (direct repair) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- AMMERLÄNDER VERSICHERUNG Versicherungsverein a.G. (VVaG)
- Distribution
- available through brokers
- Kundeninformation zur Glasversicherung (Versicherungsbedingungen und Informationen) Edition: Stand 02.2023 (02_2026_V3) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German. It is printed on the German page for Ammerländer Glasversicherung and available as plain text.
Volltext Ammerländer Glasversicherung · As text (Markdown) Ammerländer Glasversicherung