NEW Excess-free Glass cover
If and when a glass window in your home is accidentally broken (and that’s the only damage you are claiming) — we cover the cost to replace the fixed glass without you having to pay an excess, if you have selected Excess-free Glass cover as an optional cover on your home insurance. Just call us on 13 14 46 or lodge a claim online. We will organise for one of our trusted glass repairers to replace the broken window.
For full details of what is and isn’t covered, please refer to the relevant PDS.
GET A QUOTE FOR
Home Insurance
When you get a new GIO Home Insurance quote, just select the Excess-Free Glass Optional Cover.
People also ask
Does GIO Home and Contents Insurance cover damage caused by pets?
No. While coverage is included for damage caused by animals - with some limitations and exclusions, as outlined in the Product Disclosure Statement (PDS) - that coverage does not extend to damage caused by animals you own or for which you are responsible.
I have chosen a higher excess on my building policy in return for a lower premium, but the excess I have chosen is higher than what I think it might cost me to fix a broken window. What can I do?
You can take out the Excess-Free Glass cover as part of your Building Insurance. If you have this optional cover and a window in your home is accidentally broken (and that’s the only damage), you can claim under this option and no excess applies. Refer to the PDS for the type of fixed glass that is covered.
Remember you can only claim for the window if there was no damage before you added on the optional cover.
Refer to the PDS for more information
I have damage to my roof and windows from a recent storm. Can I make a claim under Excess-free Glass Cover?
No. You can only claim under Excess-free glass cover when the only damage is the accidental breakage of glass listed in the optional cover. You will need to lodge a claim for storm damage, in relation to both the roof and windows. You will need to pay any excess that applies to your policy.
How do I make a claim?
Making a claim can be done online, 24 hours a day, 7 days a week.
How do I know if I have this cover?
If you take out the Excess-Free Glass optional cover, it will appear on your Certificate of Insurance. You will need to pay extra for this optional cover.
Refer to the PDS for more information
Does this cover any of my contents that contain glass, such as vases, drinking glasses, and TV screen?
No. Accidental breakage of glass in or of any contents is excluded under Excess-Free glass cover. It is only available with Home cover.
Refer to the PDS for more information
I thought I already had cover for glass breakage under my policy.
Cover for accidental breakage of glass is automatically included under your policy. However, when you make a claim, you will need to pay the applicable excess. When you have optional Excess-Free Glass cover on your policy, and the breakage relates to the type of fixed glass listed under this optional cover (see question 1 and the PDS), you do not pay an excess when you make a claim.
Refer to the PDS for more information
Does it cover if I have a scratch on one of my windows?
No, chips and scratches (and any breakage that does not extend through the entire thickness of the damaged item) are excluded.
Refer to the PDS for more information
Does this also cover the glass frame?
We will also cover the frame of any window, door or shower screen, but only if necessary to enable the glass to be replaced.
Refer to the PDS for more information
What is Excess-Free Glass cover?
This optional cover will apply in addition to the additional cover ‘Accidental breakage of glass’ which is included in the Home cover only and offers repair or replacement following accidental breakage of:
- fixed glass in windows, doors, skylights and shower screens in your home
- mirrors fixed to your home.
When you have this option and the claim is only for the accidental breakage of the glass mentioned above, we cover the cost to replace it without you having to pay an excess.
Refer to the PDS for more information.
