Car insurance with windscreen cover

Including windscreen cover in your car insurance can help with the cost of repairs and full replacement. Here's what you need to know...

Including windscreen cover in your car insurance can help with the cost of repairs and full replacement. Here's what you need to know...

Daniel Hutson
From the Motor team
minute read
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Posted 29 OCTOBER 2019

Is windscreen cover included as standard?

Not necessarily. Don’t just automatically assume you’re covered for windscreen damage. Even on comprehensive policies, there can be differences in the cover offered by different insurance providers.

While some insurance providers offer windscreen cover as standard, others may only offer it as an optional extra, for which you’ll have to pay an additional premium. Others may offer no windscreen cover at all.

Not only is it important to check whether windscreen cover is included or not when selecting a policy, but also to read the terms and conditions to ensure you have the right level of cover you want.

You should also check whether claiming on it affects your no claims discount or requires you to cover the excess.

Why is windscreen cover important?

Windscreen cover can help with the cost of repairing chips and cracks, as well as full windscreen replacements. Most windscreen cover policies will also cover the cost of repairing or replacing your vehicle’s side windows and rear window too.

Many modern cars have advanced driving assistance technology (ADAS) sensors incorporated in their windscreens. If the windscreen is damaged, it needs to be re-calibrated and this can bump up repairs and replacement costs. According to What Car?, costs for replacement windscreens fitted with ADAS can range from £506 to £840.

Even a small crack in your windscreen can spread if left untreated, and a chip of just 1cm in the driver’s eye line could lead to failure of the MOT. If you don’t have windscreen cover, you might have to pay the entire cost of the windscreen (including re-calibration if it’s fitted with ADAS), or the full excess in the event of a claim, as well as potentially losing your no claims bonus.

Some insurance providers advise you to use one of their approved repairers – see what your policy says. But if you want to use the windscreen repairer of you choice, just be aware that there might be a difference in the excess you pay. Some insurance providers will give you a specific emergency number to call in the event of damage.

Where can I compare car insurance with windscreen cover?

When you use our car insurance comparison service, we make it easy for you to see which policies include windscreen cover. When you reach our quotes page, just click ‘more details’ on each policy to see if windscreen cover is included as standard. If it’s part of the basic policy there’ll be a tick, if not, there’ll be a price to show you what it would cost to include it in your cover.

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