Insurance broker / Glass insurance in Germany (Glasversicherung) / Policy wording archive
Mecklenburgische Glasversicherung: the policy wording in full
Mecklenburgische Glasversicherung (AGlB 2023) zur Hausrat- oder Wohngebäudeversicherung: Bruch von Glas, Kunststoff, Glaskeramik, Lichtkuppeln und Kollektorscheiben, Blindwerden von Isolierglas bis 5.000 Euro, Entschädigung in Geld.
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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 Mecklenburgische Glasversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured or maximum indemnity per claim (where not unlimited) | as stated in the policy schedule | ||
| Glass insurance available as a separate policy (without home contents or buildings policy) | not addressed | ||
| Furniture glazing insured (household glass, contents of the home) | yes | „Vertragsinformationen zur Hausrat- und Glas-Versicherung“ | Titel, page 1 |
| Building glazing insured (windows, doors, fixed panes) | yes | „Vertragsinformationen zur Wohngebäude- und Glas-Versicherung“ | Titel, page 1 |
| Building glazing of a rented flat covered for tenants | not addressed | ||
| Flat rate cover by living area or lump sum, without listing individual panes | not addressed | ||
| Size limit per individual pane (square metres) | not addressed | ||
| Compensation at replacement value (restoration of like kind and quality) | yes | „Diese umfasst Aufwendungen, um zerstörte oder beschädigte Sachen gemäß Nr. A 4 zu …“ | A 10.1.1, page 40 |
| Replacement in kind: insurer has the pane replaced by a glazier | no | „Die Entschädigung erfolgt als Geldleistung.“ | A 9, page 40 |
| 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 Glasscheiben;“ | A 4.1.1, page 39 |
| Glass table tops | yes | „Platten und Spiegel aus Glas;“ | A 4.1.2, page 39 |
| Mirrors (fixed or wall mirrors) | yes | „Platten und Spiegel aus Glas;“ | A 4.1.2, page 39 |
| Glass ceramic hobs | yes | „Platten aus Glaskeramik;“ | A 4.1.5, page 39 |
| Induction hobs including electrical parts | not addressed | ||
| Viewing panes of ovens, microwaves and stoves | not addressed | ||
| Aquariums and terrariums (including consequential damage to animals and plants where stated) | not addressed | ||
| Shower cubicles and screens of glass or plastic | not addressed | ||
| Panes and panels of plastic (acrylic, polycarbonate) | yes | „Scheiben und Platten aus Kunststoff;“ | A 4.1.4, page 39 |
| 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 | not addressed | ||
| Lamps, hollow glass and glass tableware included | no | „optische Gläser, Hohlgläser, Geschirr, Beleuchtungskörper und Handspiegel;“ | A 4.3.1, page 39 |
| Screens, displays and touchscreens (TV, computer, mobile phones) included | no | „Scheiben und Platten aus Glas oder Kunststoff, die Bestandteil elektronischer Daten …“ | A 4.3.3, page 39 |
Insured building glazing
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Window and door panes (including multi pane insulating glass) | yes | „Fertig eingesetzte oder montierte Glasscheiben;“ | A 4.1.1, page 39 |
| Conservatory and loggia glazing | not addressed | ||
| Roof windows, dome lights and skylights | yes | „Lichtkuppeln aus Glas oder Kunststoff;“ | A 4.1.7, page 39 |
| 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;“ | A 4.1.6, page 39 |
| Glass of solar thermal and photovoltaic modules | yes | „Scheiben von Sonnenkollektoren einschließlich deren Rahmen;“ | A 4.1.8, page 39 |
| Greenhouses, cold frames and pond covers | not addressed | ||
| Failure of the edge seal of insulating glass (misting, clouding) | yes, up to EUR 5,000 | „erstattet der Versicherer die Kosten für das Austauschen von …“ | A 5.2, page 39 |
Perils and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakage from any cause (all risks for glass) | yes | „Der Versicherer entschädigt für versicherte Sachen, die durch Bruch (Zerbrechen) …“ | A 1, page 39 |
| Breakage by vandalism or malicious damage | yes | „Einbruchdiebstahl, Diebstahl, Vandalismus nach einem Einbruch sowie Raub oder den …“ | A 2.2.2, page 39 |
| Cost of emergency glazing and boarding up | yes | „für das vorläufige Verschließen von Öffnungen (Notverschalungen, Notverglasungen);“ | A 5.1.1, page 39 |
| Cost of scaffolding, cranes and lifting equipment | yes | „für zusätzliche Leistungen, um die sich das Liefern und Montieren von versicherten …“ | A 5.1.2, page 39 |
| Cost of removing and refitting obstacles (grilles, awnings, furniture) | yes | „um Sachen, die das Einsetzen von Ersatzscheiben behindern (z. B. Schutzgitter …“ | A 5.1.4, page 39 |
| Damage to frames, fittings and profiles | yes | „um Schäden an Umrahmungen, Beschlägen, Mauerwerk, Schutz- und Alarmeinrichtungen zu …“ | A 5.3.2, page 39 |
| Paintings, lettering, decorations and films on the glass | yes | „um Anstriche, Malereien, Schriften, Verzierungen, Lichtfilterlacke und Folien auf den …“ | A 5.3.1, page 39 |
| Alarm sensors and security devices on or in the glass | yes | „um Schäden an Umrahmungen, Beschlägen, Mauerwerk, Schutz- und Alarmeinrichtungen zu …“ | A 5.3.2, page 39 |
| Cost of disposing of broken glass | yes | „um versicherte Sachen zum nächsten Ablagerungsplatz abzutransportieren und sie zu …“ | A 5.1.3, page 39 |
| 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 | „Oberflächen oder Kanten werden beschädigt (z. B. durch Schrammen, Kratzer …“ | A 2.1.1, page 39 |
| Exclusion of breakage by fire, lightning or explosion | yes | „Brand; Blitzschlag; Überspannung; Explosion; Verpuffung; Implosion; Anprall oder …“ | A 2.2.1, page 39 |
| Exclusion of breakage by storm, hail or other natural hazards | yes | „Sturm, Hagel; A 2.2.5 weitere Naturgefahren (Elementargefahren)“ | A 2.2.4, page 39 |
| 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 ist länger als sechzig Tage unbewohnt.“ | A 14.1.2, page 41 |
| Exclusion of war, civil unrest, nuclear energy | yes | „Nicht versichert sind Schäden durch Krieg, kriegsähnliche Ereignisse, Bürgerkrieg …“ | A 3.1, page 39 |
| Reduction of benefit for grossly negligent damage | yes | „Führt der Versicherungsnehmer den Versicherungsfall grob fahrlässig herbei, so ist der …“ | B 4.12.1.2, page 45 |
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 | „unverzüglich – ggf. auch mündlich oder telefonisch – anzuzeigen;“ | B 3.3.2, page 43 |
| Duty to report to the police (vandalism, burglary) | yes | „Schäden durch strafbare Handlungen gegen das Eigentum unverzüglich der Polizei anzuzeigen;“ | B 3.3.2 b), page 43 |
| Insurer's approval required before instructing a glazier | not addressed | ||
| Duty to keep damaged parts until inspection | yes | „Besichtigung durch den Versicherer aufzubewahren;“ | B 3.3.2 d), page 43 |
| Cover when moving home (transfer to new home) | yes | „Wechselt der Versicherungsnehmer die Wohnung, geht der Versicherungsschutz auf die neue …“ | A 13.1, page 40 |
| Increase in risk: what must be notified (alterations, vacancy, business use) | yes | „Die Wohnung ist länger als sechzig Tage unbewohnt.“ | A 14.1.2, page 41 |
| Contract term and tacit renewal | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | B 2.1, page 42 |
| Right of both parties to cancel after a claim | yes | „Nach dem Eintritt eines Versicherungsfalles kann jede der Vertragsparteien den …“ | B 2.2, page 42 |
| 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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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit
- Distribution
- brokers and direct
- Vertragsinformationen Hausrat- und Glas-Versicherung (VHB 2023, 84-VH1-0923) Edition: Mecklenburgische AGlB 2023 in Vertragsinformationen Hausrat- und Glas-Versicherung, Version 84-VH1-0923 Original from the insurer (PDF, German)
- Vertragsinformationen zur Wohngebäude- und Glas-Versicherung (mit Photovoltaikanlagen plus) Edition: Mecklenburgische AGlB 2023 in Vertragsinformationen Wohngebäude- und Glas-Versicherung, Version 84-VG1-0725 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 Mecklenburgische Glasversicherung and available as plain text.
Volltext Mecklenburgische Glasversicherung · As text (Markdown) Mecklenburgische Glasversicherung