Insurance broker / Glass insurance in Germany (Glasversicherung) / Policy wording archive
VHV Glasversicherung: the policy wording in full
VHV Glasversicherung zur Hausratversicherung laut Informationsblatt: Bruch von Scheiben, Platten und Spiegeln aus Glas nach Wohnfläche, mit Notverglasung und Entsorgung.
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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 VHV Glasversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured or maximum indemnity per claim (where not unlimited) | as stated in the policy schedule | „Die Entschädigung ist je Versicherungsfall auf den vereinbarten Betrag begrenzt.“ | IPID, page 1 |
| 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 | „fertig eingesetzten oder montierten Scheiben, Platten und Spiegeln aus Glas;“ | IPID, page 1 |
| Building glazing insured (windows, doors, fixed panes) | not addressed | ||
| 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 | „Tarifierung auf Basis der Wohnfläche in Quadratmetern.“ | IPID, page 1 |
| Size limit per individual pane (square metres) | not addressed | ||
| Compensation at replacement value (restoration of like kind and quality) | not addressed | ||
| Replacement in kind: insurer has the pane replaced by a glazier | not addressed | ||
| 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 eingesetzten oder montierten Scheiben, Platten und Spiegeln aus Glas;“ | IPID, page 1 |
| Glass table tops | yes | „fertig eingesetzten oder montierten Scheiben, Platten und Spiegeln aus Glas;“ | IPID, page 1 |
| Mirrors (fixed or wall mirrors) | yes | „fertig eingesetzten oder montierten Scheiben, Platten und Spiegeln aus Glas;“ | IPID, page 1 |
| Glass ceramic hobs | not addressed | ||
| 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) | not addressed | ||
| 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 | „Beleuchtungskörper und Handspiegel.“ | IPID, page 1 |
| Screens, displays and touchscreens (TV, computer, mobile phones) included | no | „Scheiben und Platten aus Glas oder Kunststoff, die Bestandteil elektronischer Daten …“ | IPID, page 1 |
Insured building glazing
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Window and door panes (including multi pane insulating glass) | not addressed | ||
| Conservatory and loggia glazing | not addressed | ||
| 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 | not addressed | ||
| Glass of solar thermal and photovoltaic modules | no | „Nicht versichert sind insbesondere Photovoltaikanlagen, Bildschirme,“ | IPID, page 1 |
| Greenhouses, cold frames and pond covers | not addressed | ||
| Failure of the edge seal of insulating glass (misting, clouding) | not addressed |
Perils and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakage from any cause (all risks for glass) | yes | „Die Zerstörung oder Beschädigung durch Bruch der versicherten Sachen.“ | IPID, page 1 |
| Breakage by vandalism or malicious damage | not addressed | ||
| Cost of emergency glazing and boarding up | yes | „Kosten für das vorläufige Verschließen von Öffnungen (Notverschalungen, Notverglasungen).“ | IPID, page 1 |
| Cost of scaffolding, cranes and lifting equipment | not addressed | ||
| Cost of removing and refitting obstacles (grilles, awnings, furniture) | not addressed | ||
| 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 | „Das Abfahren von versicherten Sachen zum nächsten Ablagerungsplatz und die Entsorgung …“ | IPID, page 1 |
| 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) | not addressed | ||
| Exclusion of breakage by fire, lightning or explosion | not addressed | ||
| Exclusion of breakage by storm, hail or other natural hazards | not addressed | ||
| 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 | not addressed | ||
| Exclusion of war, civil unrest, nuclear energy | not addressed | ||
| Reduction of benefit for grossly negligent damage | not addressed |
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 | not addressed | ||
| Duty to report to the police (vandalism, burglary) | not addressed | ||
| Insurer's approval required before instructing a glazier | not addressed | ||
| Duty to keep damaged parts until inspection | not addressed | ||
| Cover when moving home (transfer to new home) | not addressed | ||
| Increase in risk: what must be notified (alterations, vacancy, business use) | yes | „Wenn sich Ihre vorhandenen Risikoumstände während der Vertragslaufzeit wesentlich …“ | IPID, page 2 |
| Contract term and tacit renewal | yes | „Hat der Vertrag eine Laufzeit von mindestens einem Jahr, verlängert er sich automatisch …“ | IPID, page 2 |
| Right of both parties to cancel after a claim | yes | „Daneben können Sie oder wir den Vertrag vorzeitig kündigen. Das ist z. B. möglich nach …“ | IPID, page 2 |
| 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.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- VHV Allgemeine Versicherung AG, VHV Vereinigte Hannoversche Versicherung a.G.
- Distribution
- brokers and direct
- VHV Glasversicherung, Informationen mit Verweis auf BBGl 2018 (640.0013.05) Edition: Informationsblatt Glasversicherung (Hausrat), ohne Datum 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 VHV Glasversicherung and available as plain text.
Volltext VHV Glasversicherung · As text (Markdown) VHV Glasversicherung