How often have you heard a stressed driver upset about their latest car incident? Windscreens often top this list, as cracks and chips can happen through no fault of our own, and most of us are dreading the expense of windscreen repair or replacement, especially if you’ve got a dauntingly large crack. What about insurance though? Here’s what you need to know about car insurance, windscreens, and what’s covered.
If you do have car insurance
If your car is insured and your policy is current, then windscreen repair by qualified glass technicians should be covered under your policy. Of course, there may be exceptions, but most comprehensive policies will provide cover for windscreens. You will have to find out to what extent you are covered, however.
Normally, as with most claims, you will have to pay in a certain amount – but a look at your policy should clearly set out the excess fee you pay for your windscreen. In most cases, this will be a separate (lower) excess fee to the one for general claims.
It is advisable to speak to your insurance company or broker directly and ask them a few questions (preferably before you take out the policy!). You will want to know if a windscreen claim will affect your excess or premiums. You’ll also want to know whether claiming for a windscreen will affect your no claim bonus or claim history, and to what extent.
When logging the claim with your insurance company, you will usually be asked to explain when and where the incident occurred. Your insurance company will require you to visit an approved windscreen repair agent, in order to ensure that the work done on your windscreen is of a high enough standard.
You will then arrange a time with the glass fitment centre directly, and take your car in for windscreen repair. If you’re lucky, the technicians might even come to you. Depending on your policy you will then pay any outstanding amounts and drive away with a working windscreen!
If you don’t have insurance
Obviously, if your car is uninsured, then your windscreen will not be paid for. The only possible exception to this rule is if somebody with insurance was directly responsible for causing the damage to your vehicle, and their insurance pay your repair costs. Insurance is always a sensible idea as it means you are covered for all manner of accidents, not just windscreens! You can also consider scratch and dent insurance.
Reasons why your insurance may not cover windscreen repair
There are a few reasons why glass repair may not be covered, or covered fully by your insurers. In order to avoid getting caught out, be sure to read the fine print and ask for clarification on anything you’re unsure of before signing documents. Here are some of the reasons you might not be covered:
- You have let your policy lapse by skipping premiums;
- You didn’t take the car to be inspected when taking out the policy, as most insurers require;
- You didn’t visit the preferred or approved partner when repairing your windscreen.
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