Compare windscreen insurance is it worth it

How to deal with the damage on your windscreen?

It is normal to find there is damage on your car’s windscreen if you don’t maintain your car windows schedule. And during daily car use, sometimes it is inevitable that the front windshield is hit by a stone, resulting in a crack on the front windshield.

Some car owners may think that this crack is relatively small, and the crack position is not in the center or in front of the driver’s seat, not affecting the driving vision, so they ignore it. In fact, this opinion is incorrect. After the windshield is cracked, the glass may be deformed due to factors such as wind, sun, rain, temperature difference between day and night, and road conditions.

And if you continue to drive, the wind resistance will further erode the chipped or cracked area, bringing continuous pressure to the glass, causing the damage to be gradually enlarged.

If the damage to your windscreen is only a few millimeters in the morning, but you ignore it and continue to drive, it may become a few centimeters at night. When the cracks get increasingly big, it is easy to spread, and finally the whole piece of glass is cracked and dropped, so replacement or repair is urgent.

After all, compared with safety, the cost of repairing or replacing is not worth mentioning at all. It is conceivable that if you drive at high speed and the front windshield shatters, the consequences are completely unimaginable, and there is also the risk of being smashed by thieves to steal the property in the car.

At present, the front windshield of most vehicles is mostly laminated glass. This kind of glass can be repaired, but if the diameter of the crack is greater than a one-dollar coin, it is recommended to replace it. Even if a large crack is repaired, the effect after windscreen repairs is greatly reduced, and it is not as cost-effective as direct replacement.

Types of car insurance in Australia

The basic Comprehensive Car Insurance will be responsible for the property damage of the insured and third-party vehicles, as well as the loss of profits caused by vehicle fire, theft, major natural disasters, etc. included.

Comprehensive Plus Car Insurance is the highest profile vehicle insurance and will pay for repairs to your car and property regardless of who was at fault for the damage to the vehicle. This type of insurance also covers emergency repairs, transportation costs, and damages to other drivers. In addition, there are various claims services such as broken windows, car repairs, roadside assistance, and car rentals during vehicle repairs or theft.

Compulsory Third Party CTP insurance is also called third-party basic insurance, which is compulsory auto insurance. It is mainly to protect the lives of drivers, passengers and passers-by, in other words, personal injuries caused by third parties after an accident. CTP is generally purchased with the vehicle’s Rego.

When it comes to Third Party Property Damage Car Insurance, generally, compensation is made for the property caused by the third party after the accident, but it is not responsible for the maintenance cost of the own vehicle.

There are also some additional insurance like Theft + Fire Insurance Third Party Fire & Theft Car Insurance and Road Assistance Insurance. You can choose based on what optional extras you need.

What is car windscreen insurance?

Car windscreen insurance is a commercial insurance in which the insurance company is responsible for compensating for the loss of the vehicle’s glass during the use of the insured vehicle.  As an additional type of car comprehensive cover, it can only be purchased if you have purchased comprehensive car insurance.

The scope of glass insurance coverage: the front windshield and window glass of the car. Windscreen insurance does not cover the scope: sunroof glass, headlight glass, mirror glass. These are the scope of car damage insurance, not windscreen cover. The loss of glass film, the loss of internal and external mirrors, the loss of logos, and the loss of electronic equipment installed on the glass are not compensated, and the glass damage caused during the process of car repair is not compensated.

The insurance amount is not certain. The insurance company usually pays for the glass breakage according to the actual loss, but you need to decide whether to insure according to the domestic or imported glass, so that you can determine which kind of glass to pay for when you settle the windscreen claim. It can also help you reduce excess.

Under what circumstances should I buy windscreen insurance?

Car owners who often run at high speed or often drive on mountain roads, tunnels and other road conditions have a high chance of encountering flying stones on the road and smashing the window glass, so they can consider buying car glass insurance.

In addition, if it is often parked outdoors or the public security environment is not good, it is also recommended to buy windscreen insurance . Usually, the probability of glass breaking is also higher in this case.

It is better to know the model of your car and whether your car is equipped with domestic glass or imported glass, and purchase the corresponding glass insurance according to the glass of your car. If replacing a windscreen costs very high, you should consider buying windscreen insurance.

What is not covered by windscreen insurance?

The insurer is not responsible for compensation for the following losses of the insured vehicle: the glass of lamps and mirrors is broken; broken glass during installation and maintenance of the vehicle.

If the car glass is broken, causing damage to the dash cam, ETC, glass film and other additional equipment installed on the glass, it is not within the scope of compensation of the insurance company, and the insurance company is only responsible for the compensation of the glass.

Although it is called glass insurance, not all vehicle glass is covered by insurance claims. Some insurance companies clearly state in their product disclosure statements that the insurer will not compensate for broken headlight glass and rear view mirror glass. In addition, skylights also have relevant regulations, such as Pacific Insurance, which clearly stipulates that skylights are not within the scope of claims.

The upper right corner of the front windshield of the car will be affixed with signs such as traffic safety signs, annual inspection signs, environmental protection signs, etc. These signs are generally pasted for one-time use, and cannot be removed and reused when the front windshield is broken and replaced. The logos themselves are of little value though. However, re-applying these signs will cause some time cost and expense loss, and this part of the loss is not covered by windscreen insurance.

If the insurance is insured according to the rate of domestic glass, then the compensation will be paid according to the price of domestic glass when making a claim. If it is insured at the rate of imported glass, then the price of imported glass will be paid at the time of claim settlement. Normally the premiums and compensation amounts of the two are different.

Domestic glass is relatively cheaper, but the amount of compensation is relatively small. If it is imported glass and is insured according to domestic glass, after the accident, the insurance company will compensate according to the price of domestic glass, and is not responsible for the loss of the price difference between imported glass and domestic glass.

It is also stipulated in the disclaimer that the glass is not liable for compensation in the process of repairing the car. This situation is usually caused by the reasons of the car repair personnel, and it is natural to directly seek the relevant person to settle the claim.

Therefore, when buying insurance, be sure to read the contents of the product disclosure statement PDS file clearly to avoid disputes when you get the insurance. It should be noted that some insurance companies do not clearly stipulate in the insurance clauses, and you need to understand clearly with the relevant business personnel when purchasing insurance.

Choose us for the best car window services

We are Aussie AutoGlass, and we can provide various professional auto glass services, including repairing, replacing, tinting and so on. You can enjoy the satisfied services in our shop, and you can claim for the windscreen insurance as you need.

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