What Type of Insurance Policy Covers Windscreen Repairs?
In the UK, not all car insurance policies cover windscreen repairs and replacement. Typically, fully comprehensive insurance provides this level of protection, although the specifics can vary from one insurer to another.
- Fully comprehensive cover: This is the most likely type of policy to include windscreen repair or replacement. It generally covers the cost of repairing chips or cracks and replacing the entire windscreen if necessary.
- Third-party only insurance: This type of policy, which is the legal minimum required in the UK, does not include windscreen cover. It focuses solely on damage to other people and their property.
- Third-party, fire, and theft: Like third-party only, this policy won’t typically include windscreen cover, unless it is added as an extra feature.
If windscreen cover is important to you, opting for comprehensive insurance is usually the best option. However, it's always worth checking your policy to see if windscreen repairs are covered and if any specific conditions apply.
Will You Have to Pay an Excess for Windscreen Repairs?
Most car insurance policies that include windscreen cover might require you to pay an excess when making a claim. The excess is the amount you agree to pay towards the cost of the repairs or replacement before your insurer steps in to cover the rest. The amount can vary depending on your insurer and your specific policy.
- Windscreen repair excess: For small repairs like chips, the excess may be minimal or waived entirely, as insurers prefer to fix minor damage before it turns into a bigger issue.
- Windscreen replacement excess: For full windscreen replacement, the excess is typically higher. Depending on the insurer, it could range from £50 to £100 or more.
It’s important to check the details of your policy to see what the excess is for windscreen repairs and replacements. Knowing this information can help you decide whether it’s worth making a claim or paying for repairs out of pocket.
Can You Repair a Windscreen or Does It Need Replacing?
Whether your windscreen can be repaired or needs replacing depends on the extent of the damage. Small chips and minor cracks can often be repaired quickly and cheaply, whilst larger or more serious damage could usually require a full replacement.
- Chip repair: If the damage is small and doesn’t obstruct the driver’s view, most insurers could cover a simple repair. Repairing the chip early can prevent it from spreading and causing further damage.
- Crack repair: Small cracks, especially those away from the driver’s line of sight, can sometimes be repaired. However, if the crack is large or spreads across the windscreen, a replacement is usually necessary.
- Full replacement: If the windscreen is shattered or has significant damage, it may need to be replaced. In this case, the insurer may cover the cost, minus the applicable excess.
Getting the windscreen assessed as soon as you notice damage is recommended. Delaying repairs can make the damage worse, leading to more costly repairs or even safety risks.
How Do You Make a Windscreen Repair Claim?
If your windscreen is damaged, making a claim is usually a straightforward process. The first step is to contact your insurer and check whether the repair or replacement is covered by your policy. Most insurance companies have partnerships with specialist windscreen repair companies, making the process smooth and hassle-free.
- Contact your insurer: Call your insurance provider as soon as possible to report the damage. They might guide you through the next steps and let you know what documents or details are needed.
- Get an assessment: Your insurer may typically arrange for a professional windscreen technician to assess the damage and determine whether it can be repaired or if a full replacement is necessary.
- Schedule the repair: Once assessed, the repair or replacement can usually be carried out quickly, often at your home or workplace for convenience.
Be sure to ask your insurer about any costs you may be responsible for, such as the excess, before proceeding with the repair. This ensures there are no surprises when it comes to payment.
Will a Windscreen Repair Affect Your No-Claims Bonus?
One of the concerns for many drivers is whether making a claim for windscreen damage might impact their no-claims bonus (NCB). The good news is that most insurers do not count windscreen repair or replacement claims towards your NCB.
This means you can make a claim without worrying about losing your hard-earned discount. However, it’s always wise to check your policy details or confirm with your insurer, as there may be exceptions depending on the provider.
Are There Any Exclusions or Limitations to Windscreen Cover?
Whilst most comprehensive policies offer windscreen cover, there can be exclusions or limitations that you need to be aware of. It’s important to read the fine print to understand what is and isn’t included in your policy.
- Age of the car: Some insurers may have limitations on windscreen cover for older vehicles, or they may charge a higher excess for older cars.
- Pre-existing damage: If the windscreen had damage before you took out the policy, the insurer may not cover the repair or replacement.
- Non-approved repairers: Using a repair company that isn’t approved by your insurer could result in your claim being rejected or additional costs that are not covered by your policy.
Always check your policy’s terms and conditions carefully to ensure you’re aware of any restrictions or requirements for making a claim.
Can You Get Windscreen Cover as an Add-On?
If your current policy doesn’t include windscreen cover, or if you’re looking to enhance your protection, you can often add windscreen cover to your car insurance. This is particularly useful for drivers who frequently drive on roads with loose debris or who live in areas where windscreen damage is more common.
- Affordable add-on: Windscreen cover is usually available as a relatively inexpensive add-on to your existing policy, providing peace of mind without significantly increasing your premium.
- Extra protection: Adding windscreen cover ensures that you’re fully protected against unexpected damage, which could save you from expensive repair bills in the future.
Consider speaking to your insurance provider about adding windscreen cover if it's not already included in your policy. This extra layer of protection can offer reassurance, especially for frequent drivers.
Conclusion: Protecting Your Windscreen and Staying Covered
Windscreen damage is a common occurrence, but with the right insurance cover, you can avoid the stress of unexpected repair costs. Comprehensive car insurance often includes protection for windscreen repairs and replacement, making it easier to get back on the road quickly. Always check your policy to understand what’s covered and whether any excess applies.
For more information about car insurance policies and to look for the best cover for your needs, start comparing car insurance options today. This ensures you’re protected against windscreen damage and other unexpected incidents on the road.
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