Optional Cover
Excess-free Glass cover
Apia Home Insurance covers accidental glass breakage in certain items — but with optional Excess-Free Glass Cover, you can have eligible fixed glass repaired without having to pay an excess, when that glass is your only claim. Just call up, get it fixed, and that’s that!
What sort of fixed glass is covered?
Add optional Excess-free Glass cover to your eligible Home policy
Buy Online and save 10%*
#Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.
To select Home & Contents Extra or Home Extra cover, add accidental damage cover when getting a quote online.
Limits, exclusions and conditions apply, please refer to the PDS for full details.
How does it work?
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Frequently Asked Questions
I thought I already had cover for glass breakage under my home policy?
Yes, accidental breakage of glass is an additional cover that comes with your policy, however when you make a claim under accidental breakage of glass the excess shown on your certificate applies. When you have the optional extra Excess-free Glass cover, we cover the cost to replace certain fixed glass in your home without you having to pay an excess if the fixed glass breakage is the only claim.
Limits, exclusions and conditions apply, please refer to the PDS for full details.
Does Excess-free Glass cover also cover the glass frame?
We will also cover the frame of any window, door or shower screen, but only if this is necessary to enable the glass to be replaced.
Limits, exclusions and conditions apply, please refer to the PDS for full details.
How do I know if I have this cover?
Your Certificate will show if you have this optional cover or not.
How do I make a claim?
If you have optional Excess-free Glass cover, making a claim can be done online or by contacting us, 24 hours a day, 7 days a week. Just make sure you have your policy documents handy.
Apia Online Services video tutorials explain how to make a claim online.
Does optional Excess-free Glass provide cover if I have a scratch on one of my windows?
No, we don't cover loss or damage if the breakage does not extend through the entire thickness of the damaged item (e.g. chips or scratches to glass are not covered).
Please refer to the PDS for full details
*If you are eligible for more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.
Online discount is only available for new, eligible policies purchased online and will be applied upon purchase and subtracted from the premium. Online discount is not available with any other offers and does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist (if available).
