5 FAQs About Windscreen Cover Insurance
Keeping your car in good working condition is absolutely essential to ensure that you stay safe on the road and one of the most important features of any vehicle is, of course, the windscreen.
Much like any other part of the car, your windscreen can sustain damage over time, caused by debris flying up from the road, bad weather, changes in temperature, poor glass quality, car accidents, broken windscreen wipers and so on.
It’s important to make sure that any chips and cracks that appear on your windscreen are dealt with as soon as possible, as they can quickly escalate and become a serious driving hazard. The longer you leave it and the worse it becomes, the more expensive it will become to fix, which is also something to bear in mind.
This is where windscreen cover insurance comes into its own, ensuring that you can carry out the necessary repairs to your vehicle without being out of pocket. However, don’t assume that your insurance provider will include this cover as standard, as many of them no longer do.
To help you get to grips with this kind of insurance, here are some frequently asked questions that should tell you all you need to know. If you need any further help or advice, get in touch with the Windscreen Cover team today.
What does windscreen cover insurance include?
The amount of coverage you’ll get will depend on your particular policy, but typically you can expect to be insured for cracked or chipped rear glass, side windows and windscreens, as well as for replacement glass and any bodywork repairs where damage has been caused by a broken windscreen.
What isn’t included with windscreen insurance?
Check your policy to see what you’re covered for, but note that it’s unlikely you’ll be insured for damage to sunroofs and panoramic roofs, as well as mirrors and lights, and any repairs carried out by unapproved suppliers.
Will windscreen insurance affect your no-claims discount?
It’s unlikely that your no-claims bonus will be affected if you have to claim on your windscreen cover insurance. However, if you don’t have this level of cover in place and have to make a claim on your standard insurance policy, it’s possible that your discount will be affected.
Can windscreen insurance be purchased separately?
Yes, it’s possible to have windscreen cover taken out as a standalone policy with a specialist provider, although you can also include it as part of your standard policy or have it added on as an optional extra.
Is windscreen insurance worth the money?
If you can afford to pay for the repairs to your car yourself, you may consider that it’s not worth arranging this kind of cover. Repairs for chipped windscreens can range from between £40 and £120, but if you need to replace your windscreen altogether it can cost anything from £200 to £1,700… so it could be more cost-effective to have cover organised.