What Windscreen Cover Includes
Windscreen cover typically pays for repair or replacement of a damaged windscreen, and depending on the policy, may extend to other glass on the vehicle, such as side windows, the rear window, or sunroof.
Repair vs Replacement
For smaller chips, insurers often prefer repair over full replacement, as it's quicker, cheaper, and can often be done without removing the vehicle from use for long. Larger cracks or damage in the driver's line of sight typically require full replacement.
Windscreen Excess
Many policies apply a specific, often lower, excess for windscreen claims compared to standard claims, recognising that windscreen damage is common and insurers want to encourage prompt repair rather than driving with damaged glass.
Does a Windscreen Claim Affect No Claims Discount?
Many insurers don't count windscreen-only claims against your no claims discount, treating them separately from other types of claim, though this varies by insurer, so check your specific policy terms.
Is Windscreen Cover Worth Adding?
Frequently Asked Questions About Windscreen Cover Explained UK
Is windscreen cover included in comprehensive car insurance?
Often yes, though this varies by insurer, some include it as standard while others offer it as an optional extra.
Does a windscreen claim affect my no claims discount?
Many insurers treat windscreen-only claims separately and don't count them against your no claims discount, but check your specific policy.
Is the windscreen excess different from my normal excess?
Often yes, many policies apply a specific, sometimes lower, excess for windscreen claims compared to standard claims.
Will insurers always replace a chipped windscreen?
Not necessarily, smaller chips are often repaired rather than replaced, as it's typically quicker and cheaper, while larger cracks usually require replacement.
Does windscreen cover include other glass on the car?
This depends on your policy, some extend cover to side or rear windows and sunroofs, while others cover only the windscreen.
Conclusion
Windscreen cover addresses one of the most common types of car insurance claim, often with a separate excess and no impact on your no claims discount. Understanding your specific policy's windscreen terms helps you decide quickly whether to claim or pay for minor repairs yourself.
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