WAY+ AUTO GLASS INSURANCE

Last updated September 1, 2024

GENERAL TERMS AND CONDITIONS

Way+ membership may include coverage for accidental glass damage caused by stone chips, in addition to coverage for damage resulting from vandalistic break-in or theft. No other accidental glass damage is covered. Stone Chips means a break or crack in the Insured Glass of greater in size than 0.25-inch diameter, and which is caused by gravel, small rocks or other debris hitting the surface of the glass of the member’s vehicle.

Insured Glass means solely the exterior windows and windshield of covered vehicle; however does not include rear and/or side-view mirrors, headlights, taillights, or any other glass that does not permit direct entry into the vehicle.

Way+ Members may be eligible for cash assistance when auto glass breaks on listed vehicle. Your coverage starts thirty (30) days after Your initial membership enrollment date and ends automatically upon membership expiration. All claims during active membership term shall be initiated through the Way App. There is a limit of one (1) approved claim per twelve (12) months.


Way+ is a membership product from Way.com.

Group Contract Holder: Way.com

Group Contract Number: CIC-2024-WAY-GLA

Section I –Coverage Agreement

In consideration of the payment of premium and in reliance on other information provided which shall be deemed to be the basis of Your coverage and subject to its terms, conditions, exclusions, warranties, and endorsements, upon receipt of a properly documented Claim for Damage to Insured Glass occurring during the Coverage Period, We shall pay to You the Loss Amount defined in your membership agreement in the Contract Holder’s program. which is one of the following sums [$50, $100, $150, $200, $250, $300].

Section II - Definitions:

“Claim” means a notice of Damage and the Loss Amount due therefore provided to Us.

“Contract Holder” (“Way.com”) means the owner or developer of the membership plan and related automotive mobile app.

“Coverage Period” means the period during which Your Vehicle is insured, which period commences thirty (30) days after your initial enrollment for the Contract Holder’s program and terminates automatically upon the expiration of your membership in the Contract Holder’s program.

“Damage” means direct physical destruction of, or damage to, Insured Glass solely as a result of Stone Chips while the Insured’s Vehicle is in motion or parked, or damage caused by vandalistic break-in or theft by a third party, whether attempted or successful, while the Insured’s Vehicle is parked.

“Group Policy” means the Group Vehicle Glass Insurance Policy issued to the Contract Holder.

“Insured” (“You”, “Your”) means each person who is a member of the Contract Holder’s program, pays the membership fees and obtains insurance coverage under the Group Policy.

“Insured Glass” means solely the exterior windows and windshield of the Vehicle of the Insured; provided, however, that the term “Insured Glass” does not include rear and/or side-view mirrors, headlights, taillights, or any other glass that does not permit direct entry into the Vehicle.

“Insurer” (“Us”, “We”) means Centerline Insurance Company and MIC Global Services/Lloyds Micro Insurance Syndicate 5183, a Lloyds insurance underwriting syndicate, as identified in the Declarations to this Certificate.

“Loss Amount” means the coverage amount included in your membership in the Contract Holder’s program which is either [$50, $100, $150, $200, $250, or $300].

“Stone Chips” means a break or crack in the Insured Glass of the Insured’s Vehicle, which is greater in size than 0.25-inch diameter, and which is caused by gravel, small rocks or other debris hitting the surface of the Insured Glass.

“Surplus Lines Broker” means Harmonic Insurance Services, Inc.

“Terrorism” means an act, including but not limited to the use of force or violence and/or threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organizations(s) or government(s), which from its nature or context is done for, or in connection with, political, religious, ideological, ethnic, or similar purposes or reasons, including the intention to influence any government and/or to put the public, or any section of the public, in fear.

“Vehicle” means an automobile with a valid license plate and registration that is owned by You.

Section III – Coverage Period

Your coverage commences thirty (30) days after your enrollment into the Contract Holder’s program and terminates automatically upon the expiration of your membership in the Contract Holder’s program.

Section IV – Exclusions

1. There is no indemnity under this Group Policy for Damage to Insured Glass arising or resulting from any of the following:

  1. rust, wear and tear, gradual deterioration, inherent vice; or
  2. any process of repair, restoration, alteration, servicing or testing; or
  3. falling objects, debris, equipment, nature except where claims for Damage caused by Stone Chips; or
  4. the willful or wrongful sale, alteration, or defacement of Insured Glass by You; or
  5. Your infidelity or dishonesty or the infidelity or dishonesty of Your employees, contractors or of any person or entity to whom You have entrusted or allowed access to the Vehicle; or
  6. Damage that occurred prior to the Covered Period.

2. There is no indemnity under this Group Policy for Damage to Insured Glass arising or resulting from any of the following:

  • Weather-related water events including flood, wind-blown water and hail; or
  • earthquake; or
  • volcano or volcanic activity; or
  • avalanche or snow collapse; or
  • defective roof(s) or wall(s) or foundations; or
  • foundation cracking; or
  • subsidence of any kind; or
  • gutter damage; or
  • ceiling damage or fault; or
  • sewage back up; or
  • graffiti, defacement or vandalism unrelated to a break-in; or
  • intentional acts of the Contract Holder, the Insured or their respective agents, employees or contractors; or
  • neglect; or
  • mold; or
  • any prior recurring events which give rise to a new Claim.

3. There is no indemnity under this Group Policy for Damage to Insured Glass that has been installed or altered aftermarket, including scratches to window tints and window wraps.

4. This Group Policy does not apply to any liability:

  1. for delay, loss of market or any other consequential loss;
  2. assumed by You under any agreement, oral or written, unless specifically approved by the Insurer or to the extent that You would be liable in the absence of such agreement;
  3. arising from litigation in existence at the commencement of the Coverage Period.

5. This Group Policy does not apply to:

a. Damage, cost, or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence:

  1. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, insurrection, riot, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power or confiscation or nationalization or requisition or destruction of or Damage to property under the order of any government or public or local authority;
  2. any act of Terrorism. This exclusion also excludes Damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (i) above or this subsection (ii);

b. Damage directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;

c. any actual or alleged liability whatsoever for any Claim directly or indirectly arising out of, resulting from or in consequence of, climate, weather or nature, in whatever form or quantity.

6. This Group Policy does not apply to:

a. any liability for, or to fulfil any obligation in respect of, any Claim for defense costs, which are directly or indirectly caused by or contributed to, or arise directly or indirectly out of:

  1. the action or effects of mold, fungi, mildew, rot, decay, gradual deterioration, micro-organisms, bacteria, protozoa or any similar or like forms, in any building or structure; or
  2. any cost or expense arising out to the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposal of, or in any way responding to or assessing the effects of mold, fungi, mildew, rot, decay, gradual deterioration, micro-organisms, bacteria, protozoa or similar or like forms, in any building or structure; or
  3. the failure of any building or structure to meet or perform to the requirements of the prevailing building code in relation to:
  1. external water or moisture; or
  2. either durability or protection from external water or moisture entering that building or structure, or the effects thereof.

7. This Group Policy will not indemnify, under any circumstances, any defense costs associated with a Claim or the dispute of a Claim.

Section V – Cancellation/Termination of the Group Policy

1. If membership fee is not paid to the Contract Holder by You on a timely basis, Coverage issued to You under the Group Policy shall be deemed null and void.

2. The Group Policy may be canceled or otherwise terminated at any time by

  1. The mutual agreement of the Contract Holder and the Surplus Lines Broker;
  2. The Contract Holder upon giving not less than thirty (30) days’ advance written notice to Us or to the Surplus Lines Broker;
  3. Us upon the occurrence of any of the following:
  1. The revocation or suspension of, or failure to renew, any license issued to Us which is necessary in order for Us to sell and issue the Group Policy;
  2. Fraud, misrepresentation, commission of a felony or misappropriation of premium or other funds constituting our or Your property by the Group Holder or any of its employees, agents or contractors;
  3. Damage to any Vehicles determined to be the result of an intentional act of the Contract Holder or any of the Contract Holder’s employees, agents or contractors.

Section VI - Conditions

1. Inspection

Any authorized representative of Us shall be entitled to inspect Your Vehicle, and the Contract Holder and You shall permit access to Your Vehicle, respectively, at any reasonable time upon reasonable notice. In exercising this condition, We assume no responsibility or liability beyond undertakings under the Group Policy.

2. Notice of Claim. You must do the following in order to file a Claim for Damage to Insured Glass:

  1. You must provide full particulars of any Claim made against Us arising from Damage to Insured Glass which may be indemnifiable under the Group Policy. Such notice must be made to the Insurer or the Insurer’s authorized claims representative via the Claims link. The notice of Claim must include all of the following information and evidence:
  1. Your name and email address; and
  2. Two (2) photographs of the alleged Damage to Insured Glass. Photographs shall consist of the following:
    1. A photograph of Your Vehicle showing the broken window which qualifies as Insured Glass
    2. A photograph of the broken window showing glass on the ground and/or inside the Vehicle
  3. GPS data from the location of claim filing (may be associated with photos or separate data collection)

3. Claims Co-operation/Examination Under Oath

It shall be a condition precedent to Your right to indemnity under this Group Policy that in the event of any Claim(s) for which indemnity may be sought:

  1. You shall make no admission of liability to any party nor make any offer of settlement; and
  2. You shall co-operate fully with our authorized claims representative in providing all relevant documentation, files or records at our representative’s request.
  3. Before recovering on any Claim, if requested You will: (i) permit our authorized Claim representative to inspect the Damage, (ii) agree to examinations under oath upon request, and (iii) produce others for examination under oath upon request.

4. Fraudulent Claims

If You make any Claim under the Group Policy knowing the same to be false, fraudulent or exaggerated in any way, your coverage under the Group Policy shall become null and void and any Claim(s) shall be forfeited.

5. Tax Liability

In each and every case, in the event that tax is or becomes payable on or in relation to a Loss Amount paid to You in settlement of a Claim (a “Tax Liability”), that Tax Liability shall be borne in full by and paid by You. It shall not be deducted from any insurance premium due under the Group Policy nor shall the funds be otherwise payable by Us.

6. Effect of Termination/Cancellation and Non-Renewal

  1. Upon cancellation or termination of the Group Policy, We shall remain liable for the payment of Damage for each liability occurring prior to the effective date of cancellation or termination. In the event of cancellation or termination, the date on which the cancellation or termination takes effect shall become the end of the Policy Period.
  2. Upon a nonrenewal of the Group Policy, We shall remain liable for the payment of all Claims arising or resulting from Damage occurring during the then-expired Policy Period.

7. Relationship Among Parties to the Group Policy

The Contract Holder, the Surplus Lines Broker, You, and their and Your respective agents, representatives, and contractors, are not the agent(s) or representative(s) of the Insurer. We will not be liable for any acts or omissions under the Group Policy of or by the Contract Holder, You, the Surplus Lines Broker, or any of their or Your respective agents, representatives, or contractors. Further, none of the Contract Holder, You, the Surplus Lines Broker, or any of their or Your respective agents, representatives, or contractors shall be liable for any of the acts or omissions of the Insurer.

8. Governing Law

This Group Policy shall be interpreted in accordance with and construed under the laws of the State of Texas, excepting such State’s conflicts or choice of laws provisions.