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Windscreen cover insurance can protect you from the costs of repairing or replacing your car’s windscreen, windows, or sunroof. This type of insurance can be included as part of comprehensive car insurance policies, but you can also purchase it as an add-on, or standalone policy.
With windscreen cover, you’re safeguarded against unexpected expenses from chips, cracks, or shattered glass. Keeping a well-maintained windscreen is important not only for clear visibility but also to keep you safe on the road.
Chips and cracks can often look small and insignificant at the beginning but can very quickly lead to big problems if left untreated.
Windscreen cover is there for you if your windscreen gets damaged and needs fixing or replacing. If your insurance doesn’t include it, you’ll end up paying the full amount of money for the damage or replacement which can be expensive.
Windscreen cover is often included in comprehensive policies, but it’s not guaranteed so it’s always worth checking with your specific provider.
Usually yes, the good news is if windscreen cover isn’t included in your policy, then your provider will usually offer it as an optional add-on. However, be aware that this will typically come at an extra cost.
Yes, you can buy windscreen cover on its own. This might work for you if your current policy doesn’t cover you, or if the cost to add it is greater than a standalone policy.
If your windscreen gets damaged and you want your car insurance to cover the replacement, you’ll have to make a claim. To claim for windscreen repair or replacement on your insurance, follow these steps:
1. Contact your insurer right away when the damage happens. They’ll walk you through the steps and tell you the information you’ll need to provide.
2. Take pictures of the damage, and have your details about the incident and where it took place to hand.
3. Your insurer may ask you to get a repair quote from a windscreen shop that’s on their approved list.
4.You will need to pay the excess you’ve agreed to on your policy. For small fixes, this may be as little as £25 or £75 for complete replacements.
With some insurers, windscreen claims won’t impact your no claims bonus. But it’s always a good idea to check your policy’s terms since they can differ. A windscreen claim doesn’t always mean your premium will go up either, but there can be exceptions. So, it’s worth double-checking.
Windscreen cover helps you fix any damage fast and get driving again, minimising disruption and hassles in your everyday life.
Advanced car tech can make fixing or swapping windscreens expensive. More recently manufactured windscreens often have tiny cameras for auto emergency braking (AEB), sensors to detect rain for wipers, heating, and wide-angle views.
Replacing these types of windscreens can cost more than £1,000, so it’s key to check if your insurance covers them and what you’ll be personally liable for.
It’s often much cheaper and easier to fix a windscreen than to get a new one. So, if you spot a chip on your windscreen, it’s best to deal with it straight away. The longer you wait the more likely you’ll need to replace the whole windscreen.
You can usually repair windscreens instead of replacing them when:
It’s important to remember that windscreens aren’t just about visibility. They play an important role in keeping the car strong and in one piece. What’s more, driving with a damaged screen is against the law and can result in three points on your license.
Cracks in your line of sight might block your view, which can be risky. If you get into an accident, you could be held responsible and face severe penalties if your screen is damaged.
Damage bigger than 10mm right in front of the driver or 40mm anywhere on the windscreen will cause your car to fail its MOT.
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