{"id":102125,"date":"2026-09-28T11:34:50","date_gmt":"2026-09-28T09:34:50","guid":{"rendered":"https:\/\/ru.law\/?p=102125"},"modified":"2026-09-28T11:34:53","modified_gmt":"2026-09-28T09:34:53","slug":"glasversicherung-fahrradversicherung-streit","status":"publish","type":"post","link":"https:\/\/ru.law\/en\/glasversicherung-fahrradversicherung-streit\/","title":{"rendered":"Glass insurance, bicycle insurance &amp; Co. \u2013 the underestimated points of contention"},"content":{"rendered":"<h2 id=\"h-was-die-glasversicherung-wirklich-abdeckt-welche-bedingungen-den-fahrraddiebstahl-auslosen-und-wo-versicherer-kurzen\" class=\"wp-block-heading\"><strong>What glass insurance actually covers, which conditions trigger bicycle theft, and where insurers cut corners.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Is your ceramic cooktop cracked or your bicycle stolen, and your insurance company won&#039;t pay? With glass and bicycle damage claims, details in the fine print often make all the difference. What exactly constitutes glass and what conditions must be met for a bicycle theft claim are frequently at the heart of the dispute. Rogert &amp; Ulbrich will review your policy terms and assess your claim.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why small divisions often cause trouble<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Glass, bicycle, and similar supplemental insurance policies are generally considered straightforward. That&#039;s precisely why it&#039;s worth taking a close look at the terms and conditions. What is and isn&#039;t covered is often determined by clauses, definitions, and obligations that are frequently overlooked. If a claim arises, the insurer will rely on these very details.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From his previous work on the insurance side, lawyer Dario Kovac knows that many rejections in these sectors are contestable. Often, claims fail due to a narrow interpretation that doesn&#039;t hold up under closer scrutiny.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your supplemental insurance isn&#039;t paying? Don&#039;t accept the explanation without checking it, because a <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/leistungsablehnungen-durch-versicherer\/\">Insurer&#039;s refusal to pay benefits<\/a> is often just a matter of interpretation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What glass insurance actually covers<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Glass insurance covers breakage of insured glass and glass-ceramic surfaces. Typically, the insurance covers breakage, meaning shattering or shattering, but not a mere scratch or superficial damage. The definition of &quot;glass&quot; in the policy terms is broader than many people realize.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Window and door glazing<\/strong>: The classic case, usually easily insured.<\/li>\n\n\n\n<li><strong>ceramic hob<\/strong>Glass-ceramic cooktops are covered in many insurance policies. Whether your policy covers them depends on the wording, as not every glass insurance policy includes glass in furniture and appliances.<\/li>\n\n\n\n<li><strong>Aquariums and terrariums<\/strong>Glass from aquariums or terrariums can also be insured, but often only with an explicit agreement.<\/li>\n\n\n\n<li><strong>Glass ceramics and special surfaces<\/strong>Glass panels from furniture, shower enclosures or mirrors may be included, depending on the tariff.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The crucial question is whether the damaged area falls under the definition of your policy terms and whether there is a break in the insured sense. This is precisely where insurers base their decisions when they reject a claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is your ceramic cooktop cracked and your insurer won&#039;t pay? Have it checked whether it&#039;s covered by your glass insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Typical exclusions and points of contention regarding glass<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Even with existing glass protection, there are typical points of conflict:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Scratches and chips<\/strong>Superficial damage without breakage is usually not covered by insurance. Whether a crack constitutes a break can be disputed in individual cases.<\/li>\n\n\n\n<li><strong>Pre-existing damage and aging<\/strong>The insurer sometimes argues that the damage is due to material fatigue. Whether this argument holds water depends on the evidence.<\/li>\n\n\n\n<li><strong>Uninsured items<\/strong>Mobile phone displays, glasses or optical lenses are regularly excluded from classic glass insurance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Whether an exclusion applies is often a question of... <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/vertragsauslegung-und-obliegenheitsverletzungen\/\">Contract interpretation and breaches of duty<\/a>. Unclear clauses are interpreted against the insurer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is the insurer invoking an exclusion clause? Have it checked whether the clause is even unambiguous.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bicycle theft: what conditions trigger the benefit<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bicycle theft is covered by home contents insurance or a specific bicycle insurance policy. Whether and how much is paid out depends on several conditions, which often lead to disputes in the event of a claim:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Locking and securing<\/strong>Many policies require that the bicycle was secured with a standard or explicitly agreed-upon lock. If this proof is lacking, the insurer will reduce or deny the claim.<\/li>\n\n\n\n<li><strong>Nighttime clause<\/strong>Older household insurance policies only cover theft outside locked rooms during the day, not at night. If this clause is included, coverage for nighttime theft is void.<\/li>\n\n\n\n<li><strong>Compensation limit<\/strong>: Under home contents insurance, the bicycle is often only replaced up to a percentage of the sum insured, unless a higher sum has been agreed upon.<\/li>\n\n\n\n<li><strong>Proof and notification<\/strong>You must report the theft to the police and provide proof, such as a receipt and frame number.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Those who are aware of these requirements can secure their claim from the outset. Conversely, blanket rejections are often contestable if the insurer sets excessively high standards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Was your bicycle stolen and is your insurer citing a clause? Have it checked whether the conditions for coverage are actually not met.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Household goods, bicycles and glass: the connection<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Glass and bicycles are closely linked to home contents insurance. Bicycle insurance is often included as part of a home contents policy or is a separate policy, and glass damage can also be covered by home contents insurance or a separate glass insurance policy, depending on the contract.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, in the event of a claim, it&#039;s worth reviewing all relevant contracts. Sometimes, coverage exists through a component that wasn&#039;t even considered. Conversely, double insurance may exist, raising questions of jurisdiction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not sure which policy applies? Have your policies checked to determine which component covers the damage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What you should do in case of glass or bicycle damage<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In the event of damage in these sectors, proper documentation is crucial. These steps will help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Document the damage<\/strong>Photograph the broken glass or the location of the bicycle theft and secure any evidence.<\/li>\n\n\n\n<li><strong>Report theft<\/strong>: In case of bicycle theft, immediately report it to the police and keep the case number.<\/li>\n\n\n\n<li><strong>Collect evidence<\/strong>Please have your receipt, frame number, and, if applicable, information about the damaged area ready.<\/li>\n\n\n\n<li><strong>Check conditions<\/strong>Clarify whether the damaged item is insured and what obligations apply.<\/li>\n\n\n\n<li><strong>Have the rejection reviewed<\/strong>: Have any reduction or rejection measured against the specific clauses.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We cover how home contents insurance reacts after a burglary and how building insurance covers property damage in separate articles. You can find an overview of our work on our website. <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/rechtsanwalt-fuer-gebaeudeversicherung\/\">Lawyer specializing in building insurance<\/a> and in the area <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/\">Insurance law<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The sooner the damage is assessed, the better your claim can be secured. Have your rejection evaluated while the deadlines are still open.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rogert &amp; Ulbrich \u2013 Your lawyers in insurance law<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rogert &amp; Ulbrich represent policyholders nationwide in disputes with their glass, bicycle, and household insurance companies. Attorney Dario Kovac, who is familiar with insurers&#039; review and rejection strategies from his previous work on the insurers&#039; side, serves as the contact person. We combine this insider knowledge with the firm&#039;s consumer protection experience from major cases in banking, capital markets, and automotive law. This allows us to engage with insurers on equal footing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We review your policy and its terms, assign the claim to the correct category, and check whether exclusions or reductions are correctly applied. In the case of the <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/pruefung-und-durchsetzung-von-anspruechen-aus-versicherungsvertraegen\/\">Examination and enforcement of claims arising from insurance contracts<\/a> We represent you out of court and, if necessary, in court. We involve any existing legal expenses insurance early on and obtain the coverage confirmation for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Has your glass or bicycle insurance company rejected or reduced your claim? Get in touch and secure your rights.<\/p>\n\n\n\n<h2 id=\"h-faqs-haufig-gestellte-fragen-zu-glas-und-fahrradversicherung\" class=\"wp-block-heading\"><strong>FAQs \u2013 Frequently Asked Questions about Glass and Bicycle Insurance<\/strong><\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-ed0fa9cc uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f9785a0e\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Is a cracked ceramic cooktop covered by glass insurance?<\/span><\/div><div class=\"uagb-faq-content\"><p>Often yes, because glass-ceramic cooktops are covered by many glass insurance policies. However, whether your policy covers them depends on the specific wording, as not every glass insurance policy includes furniture and appliance glass. Furthermore, usually only breakage is covered, not scratches. A look at your policy terms will clarify this.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7b6999cf\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is considered glass for insurance purposes?<\/span><\/div><div class=\"uagb-faq-content\"><p>This depends on your specific terms and conditions. Coverage typically includes window and door glazing, often ceramic cooktops, glass furniture panels, shower enclosures, and, by special agreement, aquariums. Mobile phone displays, eyeglasses, and optical lenses, however, are usually excluded. The specific definition in your contract is always decisive.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a5f0bb69\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Does glass insurance cover scratches?<\/span><\/div><div class=\"uagb-faq-content\"><p>Generally not. The insurance covers breakage, meaning shattering or breaking, not superficial damage like a scratch. Whether a crack qualifies as breakage can be disputed in individual cases. In unclear clauses, the interpretation is against the insurer.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-28b6f38a\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Is my bicycle covered by my home insurance?<\/span><\/div><div class=\"uagb-faq-content\"><p>Often yes, but usually only up to a certain percentage of the insured sum and under specific conditions. For higher coverage or for theft outside the home, a separate agreement or a dedicated bicycle insurance policy is often necessary. Therefore, check the limits and conditions of your policy.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-922e0bf1\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is the nighttime clause in bicycle theft?<\/span><\/div><div class=\"uagb-faq-content\"><p>Older household insurance policies typically cover the theft of a bicycle outside locked premises only during the day, not at night. If this clause is included in your policy, there is no coverage for theft at night. However, many modern policies do not include this restriction. Whether it applies to your specific policy depends on the terms and conditions.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-910f255b\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Do I need to lock my bicycle for the insurance to pay out?<\/span><\/div><div class=\"uagb-faq-content\"><p>Generally, yes. Many policies require that the bicycle was secured with a standard or explicitly agreed-upon lock. If this proof is missing, the insurer may reduce or deny the claim. Whether this requirement is met in a specific case should be checked, as excessive demands are open to challenge.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-4c94d4a0\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What do I need to do after my bicycle has been stolen?<\/span><\/div><div class=\"uagb-faq-content\"><p>Report the theft to the police immediately and keep the case number. Notify your insurance company of the theft as soon as possible and provide proof of purchase and the frame number. Also, document where and how the bicycle was secured. This evidence will determine your claim later.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-44975cc3\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Can the insurer refuse a claim due to material fatigue?<\/span><\/div><div class=\"uagb-faq-content\"><p>He can raise this objection, but he must prove the connection. If the insurer claims that glass damage is due to aging or material fatigue rather than an insured breakage, the burden of proof lies with the insurer. General statements are insufficient. Whether the objection is valid can be assessed based on the damage pattern.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7ab03cea\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Which insurance covers damage to glass or bicycles?<\/span><\/div><div class=\"uagb-faq-content\"><p>It depends on your contracts. Bicycle damage is often covered by home contents insurance or a separate bicycle policy, while glass damage is covered by home contents insurance or a separate glass insurance policy. In the event of damage, it&#039;s worth checking all relevant contracts. Sometimes there&#039;s coverage through a clause you hadn&#039;t considered.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-eef02c53\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">When should I consult a lawyer?<\/span><\/div><div class=\"uagb-faq-content\"><p>The best time to contact us is as soon as the insurer rejects or reduces your claim and you have doubts about their reasoning. The sooner the terms and the nature of the damage are reviewed, the better your chances of success. Existing legal expenses insurance often covers the costs. We will check your coverage and obtain confirmation of coverage if necessary. Get in touch and secure your rights.<\/p><\/div><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Was die Glasversicherung wirklich abdeckt, welche Bedingungen den Fahrraddiebstahl ausl\u00f6sen und wo Versicherer k\u00fcrzen Das Cerankochfeld ist gesprungen oder das Fahrrad gestohlen, und die Versicherung [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":102126,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1478],"tags":[1720,1718,1719,1717,1721],"class_list":["post-102125","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versicherungsrecht","tag-fahrrad-hausratversicherung","tag-fahrradversicherung-diebstahl","tag-glasbruch-versicherung","tag-glasversicherung-cerankochfeld","tag-nachtzeitklausel-fahrrad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Glasversicherung zahlt nicht? 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