A small chip on your car’s windscreen might seem minor, but it can quickly become a costly problem. Many drivers worry about making a claim, fearing it will impact their no-claims bonus. However, this is often not the case for windscreen damage. Understanding how windscreen claims work and what constitutes repairable versus replaceable damage is key to avoiding unnecessary expenses and ensuring your safety on the road.
Here’s what you actually need to know.
What is windscreen cover and how does it work?
Windscreen cover is a common addition to car insurance policies in the UK. It’s not a legal requirement, but most comprehensive policies include it as standard. This cover is designed to help you deal with damage to your car’s windscreen, whether it’s a small chip or a larger crack requiring a full replacement. What many people don’t realise is that there’s a significant difference in how insurers handle chip repairs versus full replacements, and this can affect your premium and your wallet.
If I were dealing with a chip, my first move would be to check my policy documents to see if chip repairs are covered with no excess. This could save me money and hassle down the line.
Why dealing with windscreen damage promptly matters
The cost to fix a chip or replace a windscreen has risen by 17% year-on-year. This increase highlights the importance of addressing any damage as soon as you notice it. A small chip, perhaps no bigger than a £2 coin, can often be repaired relatively easily and affordably. However, if left untreated, these chips can spread. Temperature fluctuations, vibrations from driving, or even a minor bump can cause a small chip to turn into a long crack. This is especially true in cold weather, where a chip is 7 times more likely to spread into a crack.
The consequences of ignoring a chip can be significant. A repairable chip is much cheaper than a full windscreen replacement. In fact, a chip repair generates 80% less carbon emissions than a replacement. By opting for a repair, you’re not only saving money but also making a more environmentally conscious choice. In 2024, repairs versus replacements avoided emissions equivalent to 100,000 return flights between London and New York.
If I noticed a chip, I’d want to get it assessed for repair immediately. The sooner it’s fixed, the less likely it is to spread and become a much bigger, more expensive problem.
Common misconceptions about windscreen damage claims
Believing chip repairs affect your no-claims bonus
A widespread misunderstanding is that any claim made for windscreen damage will negatively impact your no-claims bonus. This is often not the case for chip repairs. Many insurance providers offer cover for chip repairs as a separate benefit, meaning a claim for a repair won’t affect your bonus. It’s crucial to check your specific policy details, as some policies might treat chip repairs differently, but the general trend is towards protecting your bonus for these smaller fixes.
If I were in this situation, I’d want to confirm with my insurer whether a chip repair claim would affect my no-claims bonus. Knowing this upfront can prevent unnecessary worry.
Assuming replacement is always straightforward
Another common error is believing that replacing a windscreen is a simple swap. Modern vehicles are increasingly equipped with Advanced Driver Assistance Systems (ADAS). These systems, which include features like lane departure warnings and automatic emergency braking, often rely on sensors embedded in or calibrated to the windscreen. If your car has ADAS, a replacement windscreen will require recalibration. This process is essential for the safety systems to function correctly. Around 44% of claims in 2023 involved vehicles requiring ADAS calibration, a stark increase from just 1% in 2016.
If I had a car with ADAS, I’d make sure any windscreen replacement included the necessary recalibration, as this is vital for safety.
Underestimating the risk of chips outside your line of sight
Some drivers think that a chip not directly in their line of vision is not a problem. However, even chips away from the driver’s direct view can compromise the windscreen’s structural integrity. They can spread due to external factors like temperature changes or road vibrations. Furthermore, a chip that is out of your line of sight today could spread into it tomorrow. It’s estimated that six potholes for every mile of road in England and Wales contribute to vehicle damage, including windscreens.
Your guide to handling windscreen damage
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Assessing the damage
The first step in dealing with windscreen damage is to assess its severity. Generally, a chip smaller than a £2 coin (under 25mm) can be repaired if it’s located more than 3cm from any edge of the windscreen. Similarly, a chip smaller than 10mm that isn’t directly in the driver’s line of sight is often repairable. However, if a crack is longer than your credit card (85mm), or if the damage is within 3cm of the windscreen edge, replacement is usually necessary. Damage larger than 10mm in the driver’s direct field of vision also typically requires replacement. If the inner layer of the glass is damaged, replacement is almost always the only option.
Contacting your insurer
When you discover damage, your next step should be to contact your car insurance provider. Explain the nature of the damage – whether it’s a chip or a crack. They will advise you on the best course of action according to your policy. They can also guide you on approved repairers. Many insurers have partnerships with specific windscreen repair companies, which can streamline the process and ensure the work is covered.
My first call would always be to my insurer to understand my options and any potential costs before agreeing to any work.
Choosing a repairer
If your insurer approves a repair, they will likely direct you to an approved repairer. These specialists have the tools and expertise to fix chips effectively, often in under an hour. Same-day chip repairs are common, minimising disruption. If a replacement is needed, especially for vehicles with ADAS, ensure the repairer is qualified to perform the necessary recalibration. The cost of windscreen replacement can range from £250 to £450 on average, so using an approved, reputable service is important.
For peace of mind, I’d consider using a dash cam to record any incidents that might lead to windscreen damage. A device like the Garmin Dash Cam X310 could provide valuable evidence if needed.
Understanding excess and policy limits
It’s vital to be aware of your policy’s excess for windscreen claims. As mentioned, this typically falls between £75 and £125 for replacements. While chip repairs are often covered without an excess, a full replacement will require you to pay this amount. Always confirm the exact excess with your insurer. Also, be aware of any policy limits related to windscreen cover. While rare, some policies might have specific conditions or limits on the number of claims or the type of damage covered.
Frequently Asked Questions
Will a windscreen chip repair affect my no-claims bonus? ▾
What is the typical excess for a windscreen replacement? ▾
Can a small chip be repaired? ▾
What is ADAS and why is it important for windscreens? ▾
How much does windscreen replacement cost? ▾
Addressing windscreen damage promptly is crucial for both safety and cost-effectiveness. Understanding your policy and the repairable versus replaceable damage criteria can save you money and keep you safe on the road.
If this was useful, you might also want to read Understanding Stolen Vehicle Claim Timelines for Car Insurance.
Sources and Further Reading
From Chip to Claim: How Consumer Misconceptions Impact Motor Insurance. Autoglass Business, 2024.
Windscreen claims rise by 17%. Insurance Times, 2024.
Claiming on Insurance for Windscreen Replacement. UK Windscreens, 2024.
Windscreen Chips & Cracks: The Ultimate Guide to Repair or Replace. My Car Glass, 2024.
Why Have Windscreen Claims Increased?. 1st Call Windscreens Ltd, 2024.
Understanding Stolen Vehicle Claim Timelines for Car Insurance — if you’re concerned about making a claim, this article details the timelines involved with stolen vehicle claims, which can help manage expectations.
Understanding Flexible Car Insurance Options Available in the UK — this post explores different types of car insurance that might offer better cover for specific needs, which could include windscreen protection.
