If you’re like most people, you don’t know much about windscreen repair. You may not even know if your insurance covers it.
This blog post will answer the question: is windscreen repair covered by insurance? We will also discuss some of the common causes of windscreen damage.
So, whether you are looking to repair a small chip in your windscreen or need to have a whole new windscreen installed, read on for more information!
What you should do if your windscreen cracks or shatters?
If your windscreen cracks or shatters, it is essential to get it repaired as soon as possible. A cracked windscreen can obstruct your view while driving, and a shattered windscreen can be extremely dangerous.
If you have comprehensive insurance, you should be covered for windscreen repair or replacement. However, it is always a good idea to check with your insurance provider to be sure.
Some insurance providers will require you to use a specific windscreen repair company, or they may have a deductible that you will need to pay.
If you don’t have comprehensive insurance or if your policy doesn’t cover windscreen repair, then you will need to pay for the repairs out of pocket.
Windscreen repair can be expensive, so you may consider getting comprehensive insurance if you don’t already have it.
Common causes of windscreen damage
There are a few common causes of windscreen damage. The most common cause is flying debris, such as rocks or gravel.
Another common cause of windscreen damage is severe weather, such as hail storms. Wind can also cause windscreen damage, especially if there are loose objects near your car.
Finally, windscreen damage can also be caused by accidents. If you are involved in a car accident, your windscreen may crack or shatter.
Does my car insurance cover windscreen repairs?
This depends on your insurer and level of cover. Some insurers will class windscreen repairs as an ‘at fault’ claim, which could see your premium increase at renewal time.
Other insurers include windscreen repair as part of their comprehensive cover, with no excess to pay if you need to make a claim. So it’s always worth checking your policy documents, or giving your insurer a call, to check what’s included in your cover.
What is windscreen cover?
A windscreen cover is an insurance policy that covers the cost of windscreen repair or replacement. It is usually an optional extra to add to your comprehensive car insurance policy.
While it isn’t required by law, a windscreen cover can be valuable to your insurance policy. It will protect you from paying for expensive windscreen repairs or replacements out of pocket.
How many car windscreen cover claims can I make?
Most insurance companies will limit the number of windscreen claims you can make in a year. For example, you may only be able to make one or two claims per year.
After making your allotted number of claims, you will need to pay for any additional windscreen repairs or replacement out of pocket.
This is why choosing an insurance policy with a high number of windscreen cover claims is crucial so that you are less likely to be left with a hefty bill.
If I make a claim, will I have to pay any excess?
You will likely have to pay an excess if you make a windscreen cover claim. An excess is the amount of money you must pay towards a claim.
For example, if your windscreen repair or replacement costs $500 and your excess is $250, your insurance company will pay the remaining $250.
Your excess will usually be listed in your insurance policy documents.
A windscreen repair insurance policy can be valuable to your comprehensive car insurance policy. It will cover the cost of windscreen repair or replacement if your windscreen is damaged.
Before making a claim, be sure to check with your insurance provider to see if there are any restrictions or deductibles that apply. And remember, you may only be able to make a limited number of claims per year.
Also, make sure to have your windscreen repaired or replaced as soon as possible to avoid any further damage. Waiting too long to repair your windscreen can result in more expensive repairs or replacements.