Whether car insurance covers a windscreen repair or replacement depends on your policy. Some comprehensive policies include glass cover or a limited number of chip repairs, while others may apply an excess or require you to pay the full cost. Check your Product Disclosure Statement (PDS) and confirm the details with your insurer before authorising work.
Check these policy details
- Glass cover: Is windscreen or window glass covered automatically, or is it an optional extra?
- Excess: Does an excess apply to a repair, a replacement or both?
- Claim limits: Are there limits on the number or value of glass claims?
- Repair versus replacement: Does the policy prefer a repair where the damage can safely be repaired?
- Choice of repairer and glass: Can you choose the repairer or request a particular glass specification?
- Pre-approval: Do you need a claim number or approval before booking?
What to have ready
Before calling your insurer, note your policy number, the date and circumstances of the damage, and whether it is a chip, crack or shattered window. Ask how a claim may affect your excess or no-claim arrangements. If the insurer approves the work, keep the claim number handy when requesting a quote.
Do not assume a repair is free or that every replacement is covered. Policy wording, optional cover and insurer processes differ. The insurer can confirm your cover; a glass technician can assess whether the damage is suitable for repair.
Can the glass technician help?
High Class Windscreens’ service information says it assists with most personal and fleet claims. When you request a windscreen quote, provide your insurer and claim number if you have one. Confirm with both the insurer and repairer which costs are covered, any excess, the glass specification and whether camera calibration is required.
For side or rear glass damage, see the side and rear glass service. A clear quote and confirmed claim process can help you decide what to do next.
