Windows are a (durable) part of your home and therefore indeed fall under the coverage of your buildings insurance.
In the event of damage, a number of occurrences are insured as standard, such as fire, lightning strikes, and vandalism. But what if someone shoots a ball through your window, for example? Or if a broken branch blows through your window? Then you will have to bear the costs yourself. If you want coverage for all possible damages, you must take out supplementary glass insurance. Then even damage that you accidentally cause yourself is insured.
Please note: condensation or moisture between the panes is almost always a result of normal aging or wear and tear, and is not covered by insurance.
TIP: Windows are the most vulnerable parts of your home, and repairs are usually necessary immediately. It is therefore wise to choose comprehensive coverage for this.
"}},{"componentType":"paragraph","title":"Can you always rely on glass insurance? Or does another insurance take precedence?","richBody":{"value":"Glass insurance always takes precedence in the event of insured glass damage. The damage is therefore repaired or reimbursed immediately. If the liable party responsible for the damage is known, the insurer may recover the costs. You therefore do not need to hold the responsible party liable yourself.
"}},{"componentType":"paragraph","title":"Are newly supplied windows automatically covered by glass insurance?","richBody":{"value":"Where does the supplier's risk end and the customer's risk begin? Your home is not complete without windows, so glass is automatically part of your structure. Where your risk begins always depends on the terms of delivery applicable to the purchase agreement.
Please note: in practice, it is often observed that windows are delivered while the customer is absent due to work. For example, the materials are placed in the yard or garden. Nevertheless, the terms of delivery may very well state that the supplier fulfills their obligations by doing so and that the risk of damage passes to the customer.
"}},{"componentType":"paragraph","title":"What are the maximum insured amounts, deductibles, and depreciation schemes of the ING Glass Insurance?","richBody":{"value":"The ING Glass Insurance has no depreciation scheme and is based on compensation in kind. This means that you are compensated by means of replacement with equivalent materials. There is no maximum insured amount in this case, but there is a standard deductible of €100.
Please note regarding solar panels: these are not considered glass, as they are not intended for 'light transmission'. Therefore, ING Glass Insurance does not offer additional coverage for this. However, because solar panels are always permanently connected to your home, they are naturally covered by ING Building Insurance.
TIP: If you desire better quality during replacement, or for example wish to take the opportunity to replace single glazing with double glazing immediately, this is possible in consultation with the repair company and the insurer for an additional fee.
"}},{"componentType":"paragraph","title":"And are there any other provisions you need to take into account?","richBody":{"value":"The general terms and conditions also apply to the ING Glass Insurance. For example, you are obliged to prevent or limit any damage as much as possible. You are required to cooperate with everything the insurer does to settle the claim and to do nothing that could be detrimental to the insurer.
"},"textLinks":[{"url":"/en/personal/insurances","text":"Protect your assets with insurance through ING"}]},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/home-blogs","text":"To the home blogs"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}