What Windscreen Damage is Covered under an Insurance Policy?

What Windscreen Damage is Covered under an Insurance Policy?
Posted by Darren on Jan 21, 2024

Regardless of where you stay in Australia or where you’ve been driving your car, you can agree that it is way too easy to end up with a damaged windscreen. All it takes is one stone to get kicked up by a car passing by or a random hailstorm that took you by surprise to damage your uncovered glass. Regardless of what the reason might be, the first thing you question is if your insurance policy would cover the damage or not. But, don't worry, we are here to answer your question.

Understanding Windscreen Coverage

Many comprehensive vehicle insurance plans in Australia only provide a certain level of glass coverage, while other insurers present it as an add-on. While the coverage policy can differ, you can typically expect:

  • Full Replacement: Many insurance policies cover the entire cost of a replacement if the glass damage is so severe that it is beyond fixing.
  • Repairs: If the windscreen isn't as severely affected and can be fixed without a replacement, then the insurer may cover the fixing costs associated with services rather than replacing the glass completely.
  • No Repair Excess: Some policies have an exemption of excess charges for either one repair or replacement every year. Whereas other insurance providers may offer a lesser excess for claims specifically related to glass destruction.

Potential Restrictions

While many insurance policy providers offer wholesome windscreen coverage, there are a few limitations that you should be aware of:

  • Limited Claims: Few insurance policy providers set a limit on the number of times you can claim windscreen damage per year without paying an excess. Exceeding this limit would result in paying excess charges accordingly for those subsequent claims.
  • Repairer Options: Not every insurance policy provider allows you to pick your windscreen repairer and might require you to get your glass fixed by only their preferred repairer. So you should keep this in mind when you pick your policy.
  • Aftermarket Glass: There could be stipulations depending on the policy you opt for regarding the use of OEM parts (original equipment manufacturer) rather than aftermarket glasses.
  • Damage Specifics: Few insurance providers are specific with the damage that they are willing to cover. Unlike road accidents and vandalism, natural disasters would be treated differently.

Tips for Policyholders:

You must be well-informed and proactive when it comes to a smooth experience while claiming windscreen damage. To help you do so, here are some tips you can keep in mind:

  • Review Your Policy: Understand your coverage, excess costs, and terms in your Product Disclosure Statement (PDS).
  • Quick Maintenance: Address minor issues promptly to prevent larger problems from occurring later which could result in additional expenses.
  • Prioritize Safety: Fix any glass damage affecting visibility or the structural integrity of your car promptly and do not take it for granted.
  • Document Damage: Take clear photos of your windscreen damage as soon as you can to have visual proof of the extent of damage caused as it will be helpful for claims.
  • Consult First: Before going for any fixing, check with your insurer to avoid any unexpected costs or claim issues.

In conclusion, your car's glass is vital for your safety. Australian comprehensive car insurance usually includes reliable glass coverage, but it's crucial to know all the specifics of your insurance policy. Additionally, A1 Windscreens not only handles repairs but also helps with insurance claims for a hassle-free process.


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