Windscreen and glass damage: insurance and excess

Glass damage (cracked or shattered windscreen, broken side or rear window) may be covered by windscreen/glass cover in your motor insurance. Here are the key points: excess, steps and alternatives.

Windscreen/glass cover

This option (often paid) covers replacement or repair of the windscreen and windows (as per policy). Without it, the cost is yours. Check your policy to see if it is included and which glass is covered (windscreen only, side windows, sunroof, etc.).

Excess

An excess often applies: amount you pay (e.g. €100–400 depending on insurer and vehicle). Sometimes no excess for windscreen-only repair (stone chip) if you use the insurer’s partner network. A glass claim may have no impact on no-claims bonus depending on the policy (check terms).

Steps

Notify the insurer (within contract time limit). Get a quote (garage or partner network). Follow insurer’s instructions (repair or replace, excess). Keep proof. My Auto Check-up helps you keep track of your vehicle’s maintenance.