An Overview of the En­dorse­ment of Break­age of Glass in Wind­screen, Win­dow or Sun­roof

This overview is ne­ces­si­tated by an acute lack of ref­er­ence ma­te­ri­als and re­li­able au­thor­i­ta­tive sources cou­pled with al­leged mis­guided views and prac­tices of those in the insurance in­dus­try, not­with­stand­ing the terms and con­di­tions in the En­dorse­ment No:

Insurance - - FEATURE - by LF Ong LL.B (Hons.) (Lon­don); CLP; ACII; AMII; MCI.Arb; MMI. Arb; MMIM Char­tered Insurance Prac­ti­tioner, Ar­bi­tra­tor & Me­di­a­tor


his overview must be read in con­junc­tion with the En­dorse­ment. For the sake of sim­plic­ity, the terms and con­di­tions of cov­er­age of the En­dorse­ment are re­ferred un­der the re­spec­tive para­graphs. The ex­ec­u­tive sum­mary of the En­dorse­ment is as fol­lows:

Para­graph 1: The pre­am­ble;

Para­graph 2: Pro­viso to the pre­am­ble; Para­graph 3: Com­plete (full) util­i­sa­tion of sum in­sured with an op­tion to re­in­state; Para­graph 4: (a) In­com­plete (par­tial) util­i­sa­tion of the orig­i­nal sum in­sured and (b) Re­in­state­ment of fully utilised orig­i­nal sum in­sured (re­in­stated sum in­sured) “dur­ing the cur­rency of this pe­riod” (“re­main­ing pol­icy pe­riod”). Para­graph 5: Dis­pute on op­tion to re­pair or re­place; Para­graph 6: Sub­ject to gen­eral terms and con­di­tions of the pol­icy.

Para­graph 1 of the En­dorse­ment is the pre­am­ble, which pro­vides the req­ui­site in­gre­di­ents of what con­sti­tuted a con­tract of wind­screen insurance. Briefly, there is an of­fer, an ac­cep­tance, a con­sid­er­a­tion and a prom­is­sory to com­pen­sate “up to an amount not ex­ceed­ing the sum shown in the sched­ule” (here­inafter re­ferred to as “the sum in­sured”).

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