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Are broken windows covered by insurance?


With AAMI, broken windows are covered under Home and Contents Insurance. With this cover, you will need to pay an excess if you claim. But if you purchase the optional Excess-Free Glass cover for an additional cost, you won’t have to pay excess for accidental damage of glass (see below for what is considered glass under this cover).

With Excess-Free Glass cover, we’ll repair broken glass that is fitted to the home (including windows) and won’t charge you an excess — and we’re the first Aussie insurer to offer it.

Benefits of Excess-Free Glass cover include:

  • no excess to pay
  • no limit on number of claims during the policy period, and
  • access to trusted glass repairers.

Check out Building Insurance

Am I covered if I break the glass?

If you break the glass in, say, your front door during the period of insurance, we’ll cover the reasonable and necessary cost to replace that glass, without you having to pay an excess. That’s if the damage was accidental — that is, you didn’t intend or expect it to happen.

What if something or someone else breaks my glass?

It’s happened to many of us. The neighbour’s backyard cricket game gets a little unruly, and before you know it a cricket ball has taken out your kitchen window. You’re up one cricket ball, but down one window.

Luckily, as the damage was accidental, you’re covered for the reasonable and necessary costs to replace that glass.

What counts as glass?

AAMI’s cover for accidental damage of glass includes:

  • windows
  • doors
  • skylights
  • shower screens
  • mirrors fixed to your home, and
  • other glass fixed to your home (including glass tint if fitted).
  • Other commonly asked questions about Excess-Free Glass cover

Does this 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.

Isn’t glass breakage already covered under my policy?

Yes, accidental glass breakage is automatically covered under your policy, but if you claim you’ll need to pay the excess that applies to your policy. If you have added Excess-Free Glass cover to your policy for an additional premium, you won’t need to pay an excess when you make a claim.

Does this cover any of my contents that contains glass (such as a vase, drinking glass, or a TV screen)? 

No, accidental breakage of glass in or of any contents item is excluded under Excess-Free Glass cover.

That’s where Contents Insurance might come in handy.

Have a read of the Product Disclosure Statement (PDS) for more information on these topics.

How to get Excess-Free Glass cover

New customers

During your quote, just select Excess-Free Glass cover as an optional cover when prompted to.

Get a Home and Contents Insurance quote online

Existing customers

If you’ve already got Building Insurance and you’d like to add an optional cover like Excess-Free Glass cover to your policy for an additional premium, you can do that online or with the AAMI app.

Find out more about managing your policy.

How to claim

We’re here to help 24/7. Lodge a claim online, through the AAMI App, or call us on 13 22 44 or and we’ll organise for one of our trusted glass repairers to replace the broken glass.

For full details of what is and isn’t covered, please refer to the relevant Product Disclosure Statement.

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Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.