Glass

You’re covered against loss or damage to, your internal and external glass (including reflective glass or mirrors), signwriting and treatment thereon.

You’re also covered for/against:

• The reasonable cost of the necessary boarding-up.
• Damage to shop fronts, frames, window displays (including fixtures and fittings), burglar alarm strips, wires and vibrators.
• The cost of the removal and reinstallation of fixtures and fittings necessary for the replacement of the glass.
• The cost of a security guard before the replacement of the glass, boarding-up or the repair of the burglar alarm system.

Loss or damage to property due to or caused by

• Loss or damage insured by any fire insurance policy. (This exclusion won’t apply if you’re responsible for the glass as a tenant.)
• Damage resulting from alterations or additions to the insured building.
• Glass forming part of ‘stock in trade’.
• Existing damage.
• Defacement or damage (other than fracture) through the entire thickness of the glass or its laminate.
• Damage which occurs within South Africa or Namibia, unless specific ‘Riot and strike’ cover has been obtained.
• Consequential loss.
• The detention or confiscation of money by any lawfully-constituted authority.
• Stoppage, slowing down, or the interruption of work or any process.
• Loss due to war, acts of a foreign enemy, warlike operations, military uprising, usurped power, martial law, rebellion, terrorism or revolution.
• Loss due to the act of any lawful authority in any other way dealing with any occurrence referred to in any of the clauses above.

• Riot and strike.
• Special replacement.