RATGEBER / 2026-09-30
Glass damage: useful insurance details
Claim number, excess and approved repairers: prepare the insurance conversation.
Policy before assumptions
Whether glass damage is reimbursed depends on the cover purchased. Comprehensive insurance often covers glass breakage, but excess, special terms and approved-repairer clauses can change the process. Saying “insurance covers everything” is not valid without checking the policy.
Details that speed up clarification
Have the insurer’s name, claim number, registration, vehicle details and damage date ready. If an insurer or leasing provider requires a particular process, mention this at the start. Photos should show overview, detail and vehicle allocation.
Repair and excess
Some policies treat repair differently from replacement. Whether an excess is waived or due depends on the individual terms. Ask for the financial effect before deciding. A technically necessary measure should not be selected solely on assumed reimbursement.
Approval and documents
The insurer decides on coverage and reimbursement. Submit only genuine damage and correct documents. Keep approvals, estimates and invoices together. Leased or company vehicles may also require the keeper’s approval.
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