AXA Car Insurance: Glass Cover Explained

AXA Car Insurance: Glass Cover Explained

When it comes to car insurance, one of the most common and often disruptive issues drivers face is damage to their vehicle's glass. Whether it's a stone chip on the windscreen or a cracked side window, getting this repaired promptly is crucial for both safety and legality. Many drivers understandably wonder about the extent of their coverage, particularly when it comes to specific components like glass. In the UK, AXA Car Insurance is a prominent provider, and understanding their approach to glass damage is essential for policyholders.

This article delves into how AXA Car Insurance handles glass cover, clarifying what is typically included, the benefits of using their approved repair network, and what you need to know if you experience windscreen or window damage. We aim to provide a comprehensive overview so you can drive with confidence, knowing your policy has you covered.

What Does AXA Car Insurance Cover Regarding Glass?

AXA Car Insurance generally offers cover for the cost of having your car's glass replaced or repaired. This is a significant benefit, as it means you won't typically have to bear the full expense of dealing with a damaged windscreen or window. The primary types of glass covered under a standard AXA Car Insurance policy include:

• Windscreens: This is the most common type of glass damage, often caused by flying debris on the road. AXA's policy typically covers repairs and replacements for your car's front windscreen.
• Windows: Beyond the windscreen, AXA usually also covers damage to the side windows and the rear window of your vehicle. This provides comprehensive protection for all the glass panes that are integral to your car's structure and your visibility.

A key advantage highlighted by AXA is that utilising their glass repair or replacement service will not affect your No Claims Discount*. This is a crucial point for many drivers, as a single claim, especially for something as common as a chipped windscreen, could otherwise lead to an increase in premiums at renewal. By protecting your No Claims Discount, AXA incentivises policyholders to get damage repaired without financial penalty to their future premiums.

The Importance of Windscreen and Window Repairs

Driving with damaged glass is not just an inconvenience; it's a safety hazard and can lead to legal trouble. A damaged windscreen can compromise the structural integrity of your vehicle. The windscreen is not merely a barrier against the elements; it plays a vital role in the car's safety system, particularly in conjunction with airbags. A compromised windscreen can affect how well the airbags deploy in a collision, potentially reducing their effectiveness.

Furthermore, even a small chip or crack can spread over time, especially with changes in temperature or further impacts. This spreading can obscure your vision, creating a dangerous driving environment for you and other road users. In many countries, including the UK, driving with a damaged windscreen that impairs visibility or is in a critical area (such as directly in front of the driver) can result in a failed MOT test and even on-the-spot fines.

Therefore, addressing glass damage promptly is essential. AXA's policy is designed to facilitate this by covering the costs and protecting your No Claims Discount.

AXA's Approved Repair Network

When you need to have your car's glass repaired or replaced under your AXA policy, you will typically be directed to use their network of approved repairers. Using an approved network offers several advantages:

• Quality Assurance: Approved repairers are vetted by AXA to ensure they meet high standards of workmanship and use quality parts. This gives you peace of mind that the repair will be carried out correctly.
• Convenience: The approved network often provides a streamlined process. You can usually book an appointment directly through AXA or their appointed glass repair service. Many repairers offer mobile services, meaning they can come to your home or workplace to carry out the repair, minimising disruption to your day.
• Direct Billing: In most cases, AXA will pay the approved repairer directly, meaning you won't have to pay upfront and then claim the money back. This is particularly beneficial if your policy has an excess for glass claims, as the repairer will handle the payment of that excess directly with you.

Understanding Policy Excess for Glass Claims

While AXA Car Insurance covers the cost of glass replacement or repair and protects your No Claims Discount, it's important to understand the concept of an 'excess'. An excess is the amount you agree to pay towards any claim you make. Many car insurance policies, including those from AXA, have a specific excess for glass claims, which might be different from your general policy excess for other types of damage.

Typically, for windscreen repairs, the excess is often waived entirely, meaning you pay nothing. However, for windscreen replacements or repairs to other windows, there might be a small excess to pay. This amount will be clearly stated in your policy documents. It's always advisable to check your policy schedule or contact AXA directly to confirm the specific excess applicable to your glass claims.

Key takeaway: Always verify your policy's excess for glass damage to avoid any surprises.

What to Do If You Have Damaged Glass

If you discover damage to your car's glass, the first step is to contact AXA Car Insurance as soon as possible. You can usually do this via their claims hotline or through their online portal. When you report the damage, be prepared to provide:

• Your policy number.
• Details of the damage (type of glass, location, size of chip/crack).
• Where and when the damage occurred.
• Your vehicle registration number.

AXA will then guide you through the process, which will likely involve arranging for an inspection and repair or replacement by one of their approved specialists. Remember, prompt reporting can sometimes prevent minor damage from becoming a more significant and costly issue.

Repair vs. Replacement: What's Best?

The decision between repairing and replacing damaged glass is usually made by the approved repairer based on the nature and severity of the damage. Generally:

• Chips: Small chips, typically smaller than a £1 coin, can often be repaired. A repair involves injecting a resin into the damaged area, which bonds the glass together and restores its structural integrity. Repairs are usually quicker and more cost-effective than replacements.
• Cracks: Cracks, especially those that extend to the edge of the windscreen or are longer than a certain limit (often around 10-15 cm), usually require a full replacement.
• Side and Rear Windows: Damage to side or rear windows is almost always repaired or replaced, as these are typically made from toughened glass that shatters into small pieces rather than cracking like laminated windscreens.

The repairer will assess the damage and advise on the best course of action, ensuring that your safety and visibility are not compromised. The choice between repair and replacement will not affect the coverage provided by AXA, but it might influence the excess payable, depending on your policy terms.

Frequently Asked Questions (FAQs)

Q1: Will my No Claims Discount be affected if I claim for windscreen damage with AXA?
No, AXA Car Insurance states that having your glass replaced or repaired will not affect your No Claims Discount.

Q2: Does AXA cover damage to all car glass?
Yes, AXA typically covers damage to windscreens, side windows, and rear windows.

Q3: Is there an excess for glass claims with AXA?
There might be a specific excess for glass claims, which could be different from your general policy excess. Windscreen repairs may have a waived excess, but replacements or other window damage might incur a small excess. Please check your policy documents for exact details.

Q4: Can I choose my own garage for glass repair?
While you can usually request a specific repairer, AXA generally requires you to use their network of approved repairers to ensure quality and manage the claims process efficiently. Using an approved repairer also helps facilitate direct billing.

Q5: What if the damage is just a small chip?
If the chip is small and not in a critical area, it can often be repaired. AXA's policy covers the cost of these repairs, and it's recommended to get it done promptly to prevent it from spreading.

Conclusion

AXA Car Insurance provides robust cover for damage to your vehicle's glass, including windscreens and windows. The key benefits are the coverage of repair and replacement costs and the crucial protection of your No Claims Discount. By understanding your policy, using the approved repair network, and reporting any damage promptly, you can ensure your vehicle remains safe and roadworthy. Always refer to your specific AXA policy documents for the most accurate and detailed information regarding your coverage and any applicable excesses.

*Terms and conditions apply. Please refer to your policy wording for full details.

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