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Is It Worth Getting Windscreen Cover?
15th of October 2021
While many–if not most–insurance providers will give you free windscreen repairs, don’t assume you will get full windscreen cover. Windscreen cover means the insurance company will pay for the replacement of your windscreen if you have to replace it; you might have to pay the excess depending on your insurance policy. Windscreen cover may seem like an extra expense, but you just never know when it will come in handy, so it is worth getting windscreen cover. Depending on your car, it could cost anything between $200 and $2000 to replace your windscreen.
Why Is It Expensive to Replace a Windscreen?
To begin with, the cost of a windscreen replacement does vary greatly, and it all depends on the make and model of your car. The variables that affect your windscreen’s cost include the number of features your car has, such as speed zone recognition, rain sensors, and other ADAS sensors in the windscreen. The less technology your car has–and the fewer coatings and features the windscreen itself has–the cheaper it will be to replace. In most instances, it’s simply not possible to just replace your windscreen with the cheapest option, which is why it is worth getting windscreen cover.
Can You Add Windscreen Cover to Your Insurance?
Depending on your insurance company and the insurance policy you have taken out, you may already have insurance cover for your windscreen. The best way to find out is to read the fine print in your policy or to ask your insurer directly. Neither compulsory third-party nor third-party property insurance will cover your windscreen, comprehensive cover and third-party fire and theft will likely cover some aspect of your windscreen. Either way, you want to make sure that you know what kind of cover you have, and if you don’t have full windscreen cover, most insurers will allow you to cover your windscreen as an add-on.
Should You Replace or Repair Your Windscreen?
Before you stress yourself out over the new chip or crack in your windscreen, remember, you may not need to replace it at all. The cost of a simple repair varies between $60 and $120 depending on where you live and the type of damage. Usually, if your chip or crack is bigger than 7cm, in your field of view, close to the edge of the windscreen or deep into the glass, you will probably have to replace your windscreen, but that leaves a lot of room for cost and time-saving repairs. If you have comprehensive cover and third-party fire and theft insurance, your insurer will probably cover the total cost of your windscreen repair.
If you’ve had a mishap and you have to repair or replace your windscreen, it’s best to go to a professional windscreen repair shop to ensure the job gets done correctly. Instant Windscreens will assess the damage and help you submit your insurance claim. To book an appointment or ask for advice, give us a call today.
As an automotive expert with extensive knowledge in vehicle maintenance and insurance coverage, I can confidently provide insights into the concepts discussed in the article regarding windscreen cover and insurance policies.
Windscreen Cover: Windscreen cover refers to an insurance policy component that covers the cost of replacing or repairing a vehicle's windscreen in case of damage due to accidents, chips, cracks, or other incidents. The coverage varies based on the insurance policy and might require the policyholder to pay an excess depending on the terms.
Cost of Windscreen Replacement: The cost of replacing a windscreen varies significantly and depends on several factors, including the make and model of the vehicle. Features embedded in the windscreen, such as sensors for advanced driver-assistance systems (ADAS), affect the replacement cost. More technologically advanced windscreen features often lead to higher replacement expenses.
Adding Windscreen Cover to Insurance: Not all insurance policies automatically include windscreen cover. Comprehensive coverage or third-party fire and theft insurance might encompass certain aspects of windscreen repair or replacement, but it's crucial to review the policy details or consult the insurer to confirm coverage. Typically, insurers offer windscreen cover as an optional add-on to existing policies.
Repair vs. Replacement: Repairing a windscreen is often a cost-effective solution for minor damages like chips or small cracks. However, the decision to repair or replace depends on various factors such as the size, location, and depth of the damage. Insurance policies like comprehensive cover might fully cover the expenses for repairs in certain cases.
In the scenario of windscreen damage, seeking assistance from professional windscreen repair shops, like Instant Windscreens mentioned in the article, ensures proper assessment of the damage and helps in navigating insurance claims for repair or replacement.
Moreover, the cost of repairing a chip or crack in the windscreen generally ranges from $60 to $120, considering the type of damage and geographical location.
Understanding your insurance coverage, knowing the extent of windscreen cover included in your policy, and considering the cost-efficiency of repairs versus replacements are vital aspects for vehicle owners when dealing with windscreen damage.
Should you have any further queries or require detailed advice on windscreen-related matters, feel free to ask for guidance.
