Are broken windows covered by insurance?


With AAMI, broken windows are covered under Home and Contents Insurance – you’ll just need to pay an excess if you claim. But if you add Excess-Free Glass cover to your Home and Contents or Building Insurance policy for an additional cost, you won’t have to pay an excess to replace accidentally broken fixed glass (see below for what's included under this cover).

With Excess-Free Glass cover, we’ll repair broken fixed glass that’s part of the home building (like windows) and won’t charge you an excess.

Benefits of Excess-Free Glass cover can include:

  • no excess to pay (when your claim is for the broken fixed glass only),
  • replacement of accidentally broken fixed glass in windows, doors, skylights, shower screens and fixed mirrors which are part of the home building,
  • repair or replacement of frames in windows, doors and shower screens if necessary to enable the glass to be replaced, and
  • access to trusted glass repairers.

Explore Excess-Free Glass cover

What counts as glass?

AAMI’s optional Excess-Free Glass cover for accidental damage to fixed glass includes:

  • windows,
  • doors,
  • skylights,
  • shower screens,
  • mirrors fixed to your home, and
  • other glass fixed to your home (including glass tint if fitted).

We’ll also cover the cost to repair or replace the frame of any window, door or shower screen, but only if this is necessary for the glass to be replaced.

Am I covered if I break the glass?

If the damage was accidental — meaning you didn’t intend or expect it to happen — you sure are. 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. 

What if 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 can be covered for the reasonable and necessary costs to replace that broken glass.

What if I have damage to my roof and windows owing to a recent storm?

You will need to lodge a claim for the storm damage in this case and you may be covered for the roof and windows under the one claim. Of course, you will need to pay any excess in this case.

Isn’t glass breakage already covered under my policy?

Yes, accidental breakage of glass is automatically included in your policy, but if you claim, you’ll need to pay the excess that applies to your policy. If you’ve added Excess-Free Glass cover to your policy for an additional premium you may not need to pay an excess when you make a claim, depending on the item that has been damaged.

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 of any contents item are excluded under Excess-Free Glass cover.

That’s where Contents Insurance and optional Accidental Damage at Home cover might come in handy.

Have a read of the Product Disclosure Statement (PDS) for more information on what is and isn't covered.

How to get Excess-Free Glass cover

For new customers, when you get your quote online, you can select Excess-Free Glass cover as an optional cover when prompted.

Get a quote online


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

How to claim

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

Make a claim

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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 decisions regarding this product. The Target Market Determination is also available.