Why is a glass bath screen not covered by home contents insurance but by buildings insurance?


Questioner

In January 2021, the bath wall burst while the children were taking a bath. I then called the insurance company to see if this was covered by the Allrisk contents. No, they said, this is covered by the All-risk building insurance and you have basic building insurance. I would really like to know what the situation is. Thanks in advance for your effort.

Lawyer

Because a glass wall is firmly connected to the walls and therefore forms part of the building (by accession). Compare it with the cabinets in a kitchen.

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