What Is Windscreen Cover Insurance?

Windscreen cover insurance is an often-overlooked aspect of car insurance that can save drivers from unexpected repair or replacement costs. Understanding what windscreen cover insurance includes and whether you need it can help you make an informed decision about your policy.

What Does Windscreen Cover Insurance Include?

It typically covers:

Windscreen Repairs – If your windscreen suffers minor damage, such as chips or cracks, repairs are covered without affecting your no claims bonus.

Full Windscreen Replacement – If the damage is severe and requires a full replacement, your insurer will cover the cost, though an excess may apply.

Side and Rear Windows – Some policies also include cover for damage to side and rear windows.

Sunroofs – Depending on your policy, windscreen cover may extend to sunroof repairs or replacements.

Is Windscreen Cover Included in Car Insurance?

Windscreen cover may be included as standard in fully comprehensive car insurance policies, but this is not always the case. Some insurers offer it as an optional extra, so it’s important to check your policy details.

Do You Need Windscreen Cover Insurance?

Consider the following when deciding whether to add windscreen cover:

Cost of Replacement – Windscreen replacements can be expensive, especially for newer vehicles with advanced driver assistance systems (ADAS) that require recalibration.

Driving Conditions – If you frequently drive on motorways or gravel roads, you may have a higher risk of windscreen damage.

Policy Excess – Check if the excess for windscreen claims is lower than that for other claims.

How to Claim for Windscreen Damage

If you need to make a windscreen claim:

Contact your insurer and check if the damage is covered.
Use an approved repairer if required by your insurer to avoid additional costs.
Pay any applicable excess for a replacement if necessary.

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