UKC Forums - Home Insurance Question

Home Insurance Question

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Jus 27 Jan 2017

Does anyone on here know if a cracked fireplace glass will be covered under standard contents insurance?

rogersavery 27 Jan 2017

In reply to Jus:

Surely the excess would be more than buying the glass?

OP Jus 27 Jan 2017

In reply to Jus:

Nope, the glass is £700!

It's a right angled corner glass that can only come from the manufacturer.

Even though the fireplace is within warranty glass is not covered....

Neil Williams 28 Jan 2017

In reply to Jus:

How did it get cracked? As a fixed item, would it maybe actually be a building claim?

balmybaldwin 28 Jan 2017

In reply to Jus:

Phone your insurer and ask if its covered. Given some of the claims I've seen paid out I would be very surprised if it wasn't

tmawer 28 Jan 2017

In reply to balmybaldwin:

Need to be a little careful, as asking will be treated pretty much as if you've claimed and may effect future premiums.

OP Jus 28 Jan 2017

In reply to Neil Williams:
cracked grate caused too much heat reaching the glass. didn't realise it would
you think it might be covered under normal building insurance?

Post edited at 18:11

OP Jus 28 Jan 2017

In reply to balmybaldwin:

under contents? I dont have accidental breakage cover though, but I dont think it is accidental breakage?!

balmybaldwin 28 Jan 2017

In reply to Jus:

Under fixtures and fittings on buildings cover

Neil Williams 29 Jan 2017

In reply to Jus:

> cracked grate caused too much heat reaching the glass. didn't realise it would

> you think it might be covered under normal building insurance?

Hmm, not sure. I think they could argue that that was a maintenance/inspection issue, but I suppose it could also be seen as accidental damage. I think it might vary by insurer - have you asked them?

I do however think it's buildings rather than contents as it's a permanent fixture.

Post edited at 00:32