One of the most common costs that people have to deal with concerning their car is damage to the windscreen. Almost every driver will experience cracks in their windscreen at some point, caused by items hitting the windscreen or minor accidents.
It’s important to deal with any cracks as soon as possible as they can quickly spread and make your windscreen unsafe to drive with. To help you cover the costs of any windscreen issues, you can get windscreen cover as an add-on to your car insurance policy.
How Much Does Windscreen Repair Cost?
Prices for windscreen repair will always vary depending on the company that you use. Some insurers will insist that you use their recommended garages for repairs – usually within fully comp policies. However, third-party insurers may allow you to select a garage of your choice. This means that you can shop around to find the best price to make your repair or replacement more cost-effective.
The standard prices for windscreen work are:
– Chipped windscreen repair – Around £200
– Larger crack repair – Around £300
– Complete replacement – Up to £1000
Questions You Need To Answer
Before you decide on your insurance policy and how you’re going to cover your windscreen you need to find the answers to the following questions:
- Does the policy cover my car or all cars that I’ll drive?
- Does the policy cover a full replacement or just repairs?
- What is the minimum excess payable for a full repair?
- Can you choose the company that you use to repair or does your insurer select them for you?
- Is the extra payment worth it to cover the year if you consider the full cost of a potential replacement?
- Would you be able to cover the full replacement cost in a lump sum payment if you need to?
The answers here could determine whether you go for a full comp or third-party add-on to secure your windscreen.
Fully Comp Windscreen Replacement
Most fully comprehensive car insurance policies automatically include windscreen replacement as standard and usually your no claims discount will remain unaffected when you claim.
Depending on the excess you pay, you may be able to get a full windscreen replacement as part of your policy or a repair, which will be more affordable and available for people with limited excess.
If you have a courtesy car, even fully comprehensive policies typically don’t cover them, so it might be worth a quick check through your terms and conditions if you plan on using a courtesy for travel. The positive here is that, if something does happen, you can be confident that your insurer will cover it and you won’t have to fork out a giant lump sum payment.
Third-Party Windscreen Replacement
If you have a third party, fire, and theft car insurance policy, it’s unlikely to automatically cover windscreen damage, even if it wasn’t your fault. It can often be added on as an extra for anywhere between £18-£45 depending on how the damage was created.
The more expensive add-ons will generally cover you no matter what happened to your windscreen; anything from a small pebble hitting you and causing a minor scratch, to an object falling through the windscreen and smashing it completely. In these extreme circumstances, you may be entitled to a full replacement windscreen. Paying for these premium add-ons may also entitle you to claim for windows, sunroofs, and will normally cover you for a replacement windscreen if you’re hit by an uninsured driver.
However, the cheaper policies will usually only cover minor damage and will generally offer to cover the repair of your current windscreen rather than allowing you a full replacement. For a full replacement cover, you’ll almost always need to pay a higher excess.
Selecting the right cover for your windscreen can save you a lot of hassle as it can be dealt with directly through your insurer. It may also save you a ton of money if you do have to fork out for a brand-new screen. However, if you need windscreen replacement or repair, then get in contact with us today.