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In the unfortunate event of a broken window – in your home or your car – it’s essential to repair the damage as soon as you can for safety and security. Research from Confused.com revealed that accidental damage is the number one reason for claiming on buildings insurance policies – for example, the kids kicking a ball and breaking a window.

The second most popular claim was weather damage, when a window could be easily broken by a fallen tree or debris.

A broken window is an inconvenience at any time of the year, but if a break happens during winter, there’s often more of an urgency to carry out the repair in order to prevent the cold from entering your home or vehicle.

If you don’t have insurance to cover a claim for a broken window, you could be left with a crack in your finances.

Home insurance: Are you covered?

There are three main types of home insurance: contents, buildings and combined.

While contents insurance pays out for damage to or loss of your personal possessions, buildings insurance covers the structure including your windows, and combined covers both.

Buildings insurance policies will vary, but most should provide cover for a broken window, depending on how the damage was done.

Insurance for accidental damage is often a policy add-on, so it’s worthwhile to read the details to check that you’re covered.

Costing anything from £20 to £100, adding accidental damage cover could increase your annual premium by 20%.

 

Car insurance: Are you covered?

Some car insurance policies will cover the cost of a broken window, depending on your insurance type and how to the break happened.

-        Third party insurance will only cover claims made by third parties in the event of an accident.

-        Third party fire and theft insurance will only pay out if the window has been broken as a result of criminal damage but not accidental damage.

-        Comprehensive cover will usually, but not always, cover a claim for accidental damage.

Always check your insurance excess, as if the cost of repairing or replacing a broken window is less than the excess, a claim won’t be worthwhile.

If you decide to go ahead with a claim, an insurer may require you to use their approved repair specialist.

What to do when a property window breaks

1. If you have home emergency cover, you should arrange a call-out service so the broken window can be secured before the replacement pane of glass is installed.

2. If you need to clear away the glass yourself, make sure to wear thick, protective gloves. Start by carefully collecting the biggest pieces of glass and disposing them where they can cause no harm. Then, sweep up the smaller shards of glass and empty them into a paper, not plastic, bag. If necessary, vacuum to collect any final errant shards.

3. If a replacement window cannot be fitted immediately, temporarily board up the window using a piece of scrap wood and nail it to the wall. Ideally, this should be done from the inside to deter any trespassers.

4. Once the area has been secured, await a professional to install a new window. Keep internal doors closed to avoid draughts from entering the home.

What to do when a car window breaks

1. If your car insurance policy covers claims for broken windows, call them for instructions on using their approved repair centre.

2. Check if your breakdown cover will attend to your broken window if you’re on the road or at home.

3. If your insurance doesn’t cover you for the broken window, take your car (if drivable) to a reputable repair garage. Alternatively you could pay a fee for your car to be collected.

 

Satsuma Loans can help with emergency expenses

If your insurance doesn’t cover you, or you don’t have the available funds to cover the costs of a broken window, a Satsuma Loan could be the solution to your problem.

A short-term loan can cover the one-off cost, allowing you to repay in manageable instalments.

You can choose to repay over a time period that’s best for you, with varying repayment terms of up to a maximum of one year.

We won’t charge you any fees, ever. You just pay back the interest and the total amount you agree to when you take out the loan.

 

Sources:

http://www.confused.com/home-insurance/

http://www.which.co.uk/money/insurance/

https://www.moneysupermarket.com/

https://www.moneysupermarket.com/home-insurance/

http://www.ehow.co.uk/

http://www.paramountbuilders.com/

http://www.theaa.com/insurance/

http://www.yellowpages.ca/

Representative example: £400 loan repayable over 6 months. 6 monthly payments of £126.40. Rate of interest 179% p.a. fixed. Representative 991% APR. Total amount payable is £758.40.