A cracked or damaged windscreen can affect your visibility and may require replacement rather than a simple repair. If your car insurance includes windscreen cover, you may be able to have the glass repaired or replaced through your insurer, usually subject to a separate windscreen excess. Windscreen cover is often included with comprehensive policies, although the exact terms vary between insurers. (MaPS)
Does Insurance Cover Windscreen Replacement?
Many comprehensive car insurance policies include windscreen cover. This can cover the cost of repairing or replacing the windscreen after eligible damage, but you may have to pay a windscreen excess.
MoneyHelper notes that windscreen replacement excesses are often around £50–£100, although the amount depends on the policy. Some insurers charge a lower excess when a damaged windscreen can be repaired rather than completely replaced. (MaPS)
Always check your policy documents before arranging the work.
When Can You Claim?
Windscreen cover may apply to accidental glass damage such as:
- Stone chips and cracks
- Cracks caused by road debris
- Accidental damage to the windscreen
- Other covered glass damage
Your policy may have specific exclusions, limits or requirements. Some insurers also require you to use an approved windscreen repairer. Using an unauthorised repairer could reduce the amount the insurer pays. (MaPS)
Windscreen Repair or Replacement?
Not every damaged windscreen needs to be replaced. A small chip may be repairable, depending on its size, location and severity.
If the damage is too extensive or affects an important area of the driver’s view, replacement may be necessary. The insurer or approved repairer can assess the damage and determine the appropriate solution.
Repairing rather than replacing the windscreen can also mean a lower excess with some policies.
How to Make a Windscreen Insurance Claim
Before booking a replacement yourself, check your insurer’s claims process. You may need to contact the insurer or its approved glass repair partner first.
You will generally need information such as:
- Your vehicle registration
- Insurance policy details
- Details of how the damage occurred
- The location and extent of the damage
Your insurer can then explain whether the damage is covered and what excess applies.
Will a Windscreen Claim Affect Your No-Claims Bonus?
Windscreen claims are often treated differently from standard accident claims. Some policies allow covered windscreen repairs or replacements without affecting your no-claims bonus. However, this is not universal, so check your individual policy terms before making a claim. (MaPS)
It is also important to distinguish the windscreen excess from your standard accidental-damage excess, as they may be different amounts.
Check Your Policy Before Paying for Replacement
If you need a windscreen replacement, don’t assume your insurer will reimburse any repairer you choose. Check whether your policy requires an approved repairer, what excess you must pay and whether replacement glass must meet particular specifications.
Understanding these details beforehand can help you avoid unexpected costs and make the replacement process smoother.
