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Buyer guide

Security glass and your insurer: what to ask

When insurers ask for security glazing, the wording to look for, and how to make sure the glass you buy meets your policy.

Convenience store front at night with large glass panes and a glazed sliding door

The short answer

Insurers set their own security conditions, and for shops and other business premises these can include the type or rating of glass. There is no single insurance standard. Get the requirement in writing before you order, and we will quote glass that matches it, with the manufacturer's test evidence so you can send it to your insurer.

Do insurers ask for security glass?

Some do, particularly for shops with high-value stock, premises with a history of claims and buildings in areas the insurer sees as higher risk. Household policies more often focus on door and window locks, but some specify laminated glass in doors or ground-floor windows.

What wording should I look for?

  • A named BS EN 356 class, such as 'laminated glass to P2A' or 'anti-bandit glazing to P6B'
  • A requirement for a certified product, which may name a scheme such as LPS 1175
  • Conditions that apply only when the premises are closed
  • Requirements for doors, frames or locks as well as the glass
  • What evidence the insurer wants to see

Will security glass lower my premium?

Sometimes, but it is the insurer's decision. Ask them before you order whether a particular upgrade would change your premium or excess, and get their answer in writing.

What if my insurer specifies a certified product?

We can quote for a product certified by its manufacturer and give you the certificate reference. Whether a product meets your policy is the insurer's decision, so send them our quote and the evidence before you confirm the order.

What happens after a claim?

After a break-in, insurers usually pay to reinstate what was there. Some will agree to an upgrade or require one before renewing cover. If you choose a higher rating, the extra cost may be yours. Agree the replacement specification with the insurer first so there is no dispute later.

What should I keep on file?

  • Our written quote and invoice naming the glass type and class
  • The manufacturer's test evidence or certificate
  • Photos of the finished installation
  • Any correspondence with your insurer about the specification

Sources

This guide is general information, not legal advice. Rules differ between England, Wales, Scotland and Northern Ireland; check with your council, building control or insurer where it matters.

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