Who Pays for a Broken Windscreen? Your UK Guide

A cracked or shattered windscreen is more than just an unsightly nuisance; it's a safety hazard and a potential financial headache. Whether it's a small chip from a stray stone on the motorway or a major crack from an unfortunate incident, one of the first questions that springs to mind is often: "Who pays for this?" The answer, as with many aspects of vehicle ownership, largely depends on your car insurance policy. Understanding the nuances of your cover, particularly regarding glass damage, can save you significant stress and expense.

Car insurance policies vary widely, and what might be covered by one insurer under a specific policy type could be excluded by another. Generally, windscreen cover falls under the 'glass breakage' section of your policy. This isn't just limited to the front windscreen; it often extends to other windows and even the sunroof glass. Furthermore, some policies go the extra mile to cover any incidental damage to your vehicle's bodywork that might occur as a direct result of the glass breaking, such as scratches from flying shards.

Understanding Your Policy Type: Comprehensive vs. Third Party

The type of car insurance policy you hold is the primary determinant of whether your windscreen damage is covered.

Comprehensive Car Insurance

This is the most extensive level of cover available and, in the vast majority of cases, it includes specific provisions for windscreen and glass damage. With a comprehensive policy, insurers typically cover the cost of repairing or replacing your windscreen, side windows, and rear window, and often the sunroof glass. The key benefit here is that you're usually covered regardless of who was at fault for the damage. Some policies might even offer 'unlimited' glass breakage cover, particularly if you use their network of approved repairer specialists.

Third Party Fire and Theft

This mid-tier policy offers cover for damage to a third party's vehicle or property, as well as protection against your car being stolen or damaged by fire. Windscreen cover is less common with this type of policy, but it's not entirely unheard of. For instance, some specific policies, like certain AA Car Insurance offerings underwritten by AXA, Allianz, Aviva, RSA, and Zurich, explicitly state that unlimited glass breakage is included for both Comprehensive and Third Party Fire and Theft policies, provided you use an approved repairer. This is a significant advantage for those with this level of cover, as it broadens the protection beyond the usual expectations.

Third Party Only

This is the minimum legal requirement for car insurance in the UK. It covers damage you cause to other people's vehicles or property, but it does not cover any damage to your own vehicle, including your windscreen. If you have this type of policy and your windscreen breaks, you will almost certainly be responsible for the entire cost of repair or replacement yourself.

The Crucial Role of the 'Approved Repairer'

One of the most significant factors influencing your payout and the ease of your claim is whether you use an 'approved repairer' or choose your own. Insurers often have a network of preferred specialists they work with. Opting for one of these approved repairers typically streamlines the process, as they can often bill the insurer directly, meaning less paperwork and upfront cost for you. More importantly, using an approved repairer often unlocks the full benefits of your policy, such as 'unlimited' cover.

Conversely, if you decide to use a non-approved repairer, your insurer might cap the amount they will pay out. For example, with AA Car Insurance policies underwritten by AXA, Allianz, Aviva, RSA, and Zurich, while unlimited glass breakage is included with an approved repairer, the amount is limited to €225 or €150 (with a €30 excess) for Zurich (€300 limit per policy year) if the claim isn't processed through their approved network. Similarly, KennCo insurance, which offers one unlimited claim per policy year with an approved repairer, limits the payout to €100 if a non-approved repairer is used.

This financial disparity highlights the importance of checking your policy's terms regarding repairer choice. While you might have a preferred local garage, using an insurer's approved specialist can often lead to a more favourable outcome for your wallet.

Specific Insurer Examples and Their Windscreen Cover

Let's delve into some specific examples of how different insurers handle windscreen claims, based on the information provided:

AA Car Insurance (Underwritten by AXA, Allianz, Aviva, RSA, and Zurich)

These policies offer quite generous cover. They include unlimited glass breakage for both Comprehensive and Third Party Fire and Theft policies, provided you use an approved repairer. This means that if you stick to their network, the cost of repairing or replacing your windscreen, or any other car glass, should be fully covered without a limit. However, if you choose not to use an AA or Zurich Approved Repairer, there are limitations. The amount is capped at €225, or €150 with a €30 excess specifically for Zurich policies (with a €300 limit per policy year). This illustrates the clear incentive to use their preferred network.

KennCo Insurance

KennCo's windscreen cover is exclusively available on their comprehensive policies. They entitle you to one unlimited claim per policy year, again, contingent on using an approved repairer. A notable feature of KennCo's policy is that there is no excess on windscreen claims when an approved repairer is used, which can be a significant saving. However, if you opt for a non-approved repairer, the payout is limited to €100. This policy has a clear structure: one full claim per year if you follow their process, or a limited contribution if you don't.

AA Comprehensive Policies (Underwritten by Liberty Insurance)

For AA Comprehensive policies backed by Liberty Insurance, the terms are slightly different. You're covered for up to two windscreen claims during the insurance year, regardless of whether it's a repair or a full replacement. This provides more flexibility for multiple incidents within a year. If the work is not carried out by an approved windscreen specialist, the cover is limited to €150 for a replacement (less any applicable excess) or €50 for a repair. This tiered approach encourages the use of approved specialists but still provides some cover if you choose otherwise, albeit at a reduced rate.

The Impact of Excess on Windscreen Claims

An excess is the fixed amount you agree to pay towards a claim before your insurer pays the rest. For windscreen claims, the application of an excess can vary significantly. Some policies, like KennCo, explicitly state 'no excess' on windscreen claims when using an approved repairer, which is a great benefit. Other policies might have a specific windscreen excess that is lower than your main policy excess, or they might waive the excess entirely if the windscreen can be repaired rather than replaced. However, as seen with Zurich's specific terms, an excess might apply if you use a non-approved repairer. Always check your policy documents to understand how the excess applies to glass claims, as it can influence your decision to claim, especially for minor damage.

Making a Windscreen Claim: What You Need to Do

If your windscreen is damaged, here's a general guide on how to proceed:

1. Assess the Damage: Determine if it's a small chip that can be repaired or a larger crack requiring replacement. Repairs are often quicker, cheaper for the insurer, and may not impact your policy or excess in the same way as a replacement.
2. Contact Your Insurer: Do this as soon as possible. Have your policy number and details of the damage ready.
3. Follow Their Guidance: Your insurer will guide you on whether to use an approved repairer or if you have the option to choose your own. They will provide contact details for their claims department. For AA Claims Assist, the number is 0818 467 101. For KennCo windscreen claims, you can call 01 4994600. For AA Comprehensive policies underwritten by Liberty Insurance, the number is 1800 94 44 10.
4. Arrange Repair/Replacement: The approved repairer will typically handle the direct billing with your insurer. If you use a non-approved repairer, you might have to pay upfront and then claim reimbursement.
5. Pay Any Applicable Excess: If an excess applies, you will pay this directly to the repairer.

Does a Windscreen Claim Affect Your No-Claims Bonus?

This is a common concern for many drivers. Fortunately, in most cases, a windscreen repair or replacement claim will not affect your no-claims bonus (NCB). Many insurers treat windscreen claims differently from other types of claims, as they are often seen as an unavoidable incident rather than a result of driver fault. However, it's crucial to verify this with your specific insurer, as policies can vary. Some policies might state that only one or two windscreen claims per year won't affect your NCB, or that only repairs (not replacements) are exempt. Always check your policy wording or speak to your insurer directly to confirm.

Important Considerations for Windscreen Cover

• Policy Wording is Key: The most critical piece of advice is always to read your specific insurance policy document carefully. This document outlines precisely what is covered, under what conditions, and any limitations or excesses that apply.
• Number of Claims: Be aware that some policies, like the AA Comprehensive (Liberty) policy, might limit the number of windscreen claims you can make in a policy year (e.g., two claims).
• Damage Scope: Remember that windscreen cover often extends beyond just the front windscreen to include other windows and even sunroof glass, as well as minor bodywork scratches caused by the glass breaking.
• Repair vs. Replacement: Insurers often prefer a repair over a full replacement if the damage allows (e.g., a small chip outside the driver's direct line of sight). Repairs are usually cheaper, quicker, and sometimes come with a lower or no excess.

Comparative Overview of Windscreen Cover Examples

Frequently Asked Questions About Windscreen Claims

1. Does a windscreen claim affect my no-claims bonus?

In most cases, no. Windscreen claims are often treated as 'no-fault' incidents and typically do not impact your no-claims bonus. However, it's essential to confirm this with your specific insurer, as policies can vary.

2. Should I repair or replace my windscreen?

If the damage is a small chip (typically smaller than a 10p coin) and not in the driver's direct line of sight, a repair is usually possible. Repairs are quicker, often cheaper for the insurer, and may not incur an excess. Larger cracks or chips in the critical vision area usually require a full replacement. Your repairer will advise on the best course of action.

3. What if my damage is minor? Is it worth claiming?

For very minor damage, especially a small chip that can be repaired, it's often worth claiming. If your policy has no excess for repairs or a very low one, it makes financial sense. Ignoring a small chip can lead to it spreading into a larger crack, which would then require a more expensive replacement.

4. Can I choose my own repairer for windscreen damage?

While you technically can, using your insurer's approved repairer network is often recommended. As detailed above, using an approved repairer typically results in full cover and direct billing, whereas using a non-approved repairer might lead to a capped payout or require you to pay upfront and claim back.

5. What if the damage wasn't my fault (e.g., stone chip from another vehicle)?

Even if the damage wasn't your fault, it's usually processed as a claim under your own comprehensive policy's glass cover. Windscreen claims are rarely attributed to fault in the same way as collision claims, meaning it's unlikely to impact your premiums or no-claims bonus.

6. Are side windows or sunroofs covered under windscreen policies?

Yes, most comprehensive windscreen policies cover all fixed glass on your vehicle, including side windows, rear windows, and sunroof glass. The specific examples provided (AA, KennCo) also confirm this broader glass cover.

A broken windscreen can be an unwelcome event, but understanding your car insurance policy can significantly ease the burden. Always prioritise safety and get any damage assessed promptly. By being aware of your policy type, the role of approved repairers, and the implications of excesses, you can navigate the claims process effectively and ensure your vehicle is safely back on the road with minimal fuss and financial impact. Remember, your policy document is your ultimate guide, so take the time to familiarise yourself with its glass cover provisions before you need them.

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