Does your car insurance policy cover your windscreen?

Cracked and broken glass windscreen close up

By Bobatoo
July 22, 2022

We’ve all been there - driving down the road and out of nowhere, you get a crack or a chip in your windscreen caused by a stone or loose debris thrown up off the road. 

With it being so common on busy UK roads and motorways, it is worth knowing if windscreen cover is included in your current car insurance policy but also knowing how you can add it if it isn't.

In this guide:

What is windscreen damage?

What is windscreen cover?

Is windscreen insurance included as standard on car insurance policies?

Most common causes of windscreen cracks and chips

Do you have to pay an excess if you need to make a claim for a damaged windscreen?

Will my windscreen be repaired or replaced?

Can you drive with a cracked or damaged windscreen?

How to avoid cracks or damage to your windscreen

What is windscreen damage?

Windscreen damage is usually caused by chips in the glass created by loose stones, debris or contact from objects outside of your vehicle. These chips can also turn into cracks if there is stress put upon the weaked glass or large temperature changes.

What is windscreen cover?

Windscreen cover insurance provides a more affordable way to replace or repair a damaged windscreen without having to pay out for the full amout of using the service. 

Is windscreen insurance included as standard on car insurance policies?

Windscreen cover is a little different to other car insurance policy add-ons, as it can come as standard in some comprehensive policies, but we would always recommend that you check this with your insurer along with the terms, in case you had to make a claim.

If you have third party insurance or third party, fire and theft car insurance (TPFT), you may need to request to include windscreen cover as an ‘add-on’ to your policy for a nominal fee.

Another option is to get a new car insurance quote with windscreen cover included.

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Most common causes of windscreen cracks and chips

Below we’ve listed some of the most common ways that cause damage to your windscreen:

  • Loose debris from the road
  • Falling tree branches
  • Large changes in air temperature
  • Driving collisions and accidents 

Do you have to pay an excess if you need to make a claim for a damaged windscreen?

You may have to pay an excess which is a contribution towards the claim but this is dependent on your policy terms. 

Some insurance companies do provide this service free of charge but others may ask for a small fee. It's worth noting that this can change depending on whether you are having your windscreen repaired or need a full replacement.

Don't forget that your car could fail its next MOT depending on the size and location of damage. If the crack or chip does impact your view when driving it could cost you even more in the long run by having to pay for MOT retests and a last minute windscreen repair/replacement.

Will my windscreen be repaired or replaced?

The answer to this question will be dependent on the severity of the damage, and location of the damage but inevitably be determined by the windscreen replacement company. 

Can you drive with a cracked or damaged windscreen?

We would never advise driving with a cracked or damaged windscreen, as it can obstruct your vision and increase the risk of further damage. Also, driving with a cracked windscreen can be considered a motoring offence, especially if you had an accident.

How to avoid cracks or damage to your windscreen

  1. Keep your distance from other vehicles (especially lorries with larger tyres) to reduce the chances of flying debris hitting your car
  2. Keep an eye out for potholes in the road that can cause chips to become cracks
  3. Avoid sudden temperature changes to the windscreen glass such as pouring hot water on the glass to defrost it during winter (this can cause the glass to crack suddenly but also shatter)

 

Compare car insurance quotes that include windscreen cover today

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