You’re driving down a particularly busy street and another car accidentally kicks up dirt that chips your windscreen. It can happen and it’s a regular claim in the world of car insurance claims. With the right insurance, the price of repair doesn’t have to burn a big hole in your pocket. Stand-alone windscreen cover is an excellent way to ensure you have the best value insurance against windscreen damage.
In this guide:
- What is windscreen cover?
- Can I drive with a cracked windscreen?
- How much does it cost to repair a windscreen?
- What are the most common causes of windscreen chips and cracks?
It’s common practice for insurers to offer separate windscreen cover as part of a car insurance policy. In a comprehensive policy your windscreen will be covered similarly to the rest of your car. However, this standard cover will mean you’ll have to pay the full excess even if you only have a tiny chip (excess being the contribution you need to pay towards that claim).
A separate windscreen cover as part of your comprehensive policy will cover the cost of any repairs and replacement of your windscreen without you having to pay the full excess. You will simply pay the excess for each claim making it a considerably cheaper option. It should also not affect your no claims bonus (how many years you haven’t made a claim on your car). Whereas if you don’t have the separate cover, you’ll have to pay the full access and possibly lose your no claims bonus.
Windscreen damage is a regular claim as the tiniest of chips could eventually cause more significant damage. It’s important to not assume windscreen cover is included in your standard policy. It’s worth double-checking your policy and considering purchasing separate windscreen cover if you are buying a new car insurance policy.
If you get caught driving with a cracked windscreen, this could be considered a motoring offence, and you could be given three points on your licence and a fine. Additionally, if you drove with a cracked windscreen and you have an accident, you could be charged with a more serious motoring offence. With this in mind, a damaged windscreen and the appropriate insurance cover should be taken very seriously.
You should start by comparing car insurance policies that include windscreen cover as standard and compare the best deals.
The good news is some car insurance policies will include separate windscreen cover in their price. Meanwhile others charge for this as a standalone cover and could only cost you an additional £50 a year.
The amount of excess you have to pay will vary from policy to policy but if you’re willing to shop around to seek out a good deal, you could pay just £50 to replace the windscreen whilst a repair job could possibly be free if it’s a small chip. For a windscreen to be repaired and not replaced the damage must not be within 6cm of any edge of the glass, the chip or crack cannot be wider than 28mm, but if the damage is within the driver’s view, the chip or crack cannot be any larger than 10mm in length.
Accidents can happen, below are some of the typical ways in which your windscreen could end up damaged. But whatever happens, as soon as you notice a chip it’s best to get it fixed straight away so it doesn’t expand or get worse and you end up having to shell out more money then you needed to.
In icy conditions, you wouldn’t be blamed for thinking the best thing to do to ensure visibility out of your windscreen would be to use hot water to de-ice the glass. However, this could risk severe damage to your windscreen. If the inside of your car is colder than the outside temperature, the glass could contract causing the glass to chip or crack.
Debris coming off the road
One of the most common ways in which a windscreen cracks or chips is from stones or debris flying up from the road and hitting your car (particularly if the road has a lot of loose stone or there are road works going on). The best way to avoid this unwanted problem is to drive slowly where the road conditions aren’t great or when you’re driving past large vehicles like lorries that can pick up debris easily.
In scorching weather, your windscreen can fracture or distort. To prevent this from happening, always try to park in the shade or use a sunshade inside of your car.