Plate Glass Insurance

It is a protection policy which insures plate glasses typically found in showrooms, offices or buildings.

Here is an overview of your coverage

You are covered for:

• An “All Risks” basis, subject to the exclusions stated
• Any glass broken by fracture extending through the entire thickness of the glass as a result of an accident or misfortunate not otherwise excluded

Your premium may vary, depending on:

Specifications of glass insured e.g. size, type , etc

Location of glass insured

Sum insured

Other factors

(a) any disfiguration or damage other than a fracture extending through the entire thickness of the glass

(b) any breakage occurring during transit to or while being affixed to or removed from or during the course of alterations to the premises described in the schedule

(c) any breakage directly or indirectly proximately or remotely occasioned by, contributed to by or traceable to or arising out of or in connection with:

(i) war, invasion, act of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power

(ii) strike, riot, civil commotion

(iii) detention, seizure, confiscation or any attempt thereat

(iv) fire, explosion, lightning, flood, typhoon, hurricane, cyclone, tornado, volcanic eruption, earthquake or other convulsion of nature

(d) by or contributed to by or arising from any ionising radiations or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel

Unless expressly provided herein all glass shall be considered plain plate of ordinary glazing quality and the liability of the Company shall be limited to cost value. Should the Company decide to replace instead of paying the cost value the alteration removal and restoration of all window fittings frames fixtures casing and tiles and similar objects which it is necessary to alter or remove before replacement can be made shall be done by and at the expense of the Insured