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Afrikaanse weergawe

Glass

Cover so great you’ll think you’re wearing rose-tinted glasses

In a nutshell

While broken glass may not seem like an expensive commodity to replace, speciality glass can be costly. If the glass on your business premises breaks, we can’t promise you won’t have 7 years of bad luck (sorry) but we’ll turn your frown upside down by making sure it’s replaced ASAP.

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.