Do I Have to Pay Excess for a Windscreen Claim?

Do I Have to Pay Excess for a Windscreen Claim?

Whether you pay an excess on a windscreen claim depends on your specific policy. Some comprehensive policies apply a reduced windscreen-specific excess, some apply the standard excess, and some include optional windscreen cover with no excess if you’ve paid for that extra. There’s no single answer that applies across all Australian insurers — your Product Disclosure Statement is the only reliable source for your situation.

The Common Arrangements

• Standard excess applies — you pay your normal policy excess, the same as any other claim.
• Reduced windscreen excess — some policies apply a lower excess specifically for glass claims.
• Optional glass cover with no excess — many insurers sell windscreen or glass cover as an add-on. If you’ve taken it, an excess may not apply, sometimes with limits on how many claims per year.
• No windscreen cover at all — third-party property policies generally don’t cover damage to your own vehicle’s glass.

How to Find Out What Applies to You

Check your Product Disclosure Statement or certificate of insurance for a section on glass or windscreen cover. If you can’t find it, calling your insurer and asking two direct questions is usually fastest: what excess applies to a windscreen claim, and does making one affect my no-claim bonus or premium?

Worth Comparing Against the Repair Cost

Because excesses vary, it’s worth knowing the actual cost of the work before you decide whether to claim. Here’s what our services start from:

Service	Starting From
Stone Chip and Crack Repairs	$110
Windscreen Replacement	$330
Body Glass Replacement	$165
Resealing	$165
Scratch Removal	$110
Window Tinting	$250

If your excess is higher than the cost of the job — which can happen with a straightforward stone chip and crack repair — paying directly may be simpler. That’s a decision only you can make with your policy in front of you.

Frequently Asked Questions

Do I have to pay excess for a windscreen claim?

It depends on your policy. Some apply a reduced glass excess, some apply the standard excess, and some waive it if you’ve purchased optional windscreen cover. Check your PDS or ask your insurer.

Is windscreen excess different from normal excess?

Often, yes. Many comprehensive policies set a separate, lower excess for glass-only claims — but this varies by insurer and product.

Can I claim on a chip repair, or only a full replacement?

Many policies cover chip repairs, and some waive the excess for repairs specifically to encourage early fixes. Your PDS will confirm whether this applies to you.

Will Aussie AutoGlass deal with my insurer?

Where possible, yes — we’re happy to work directly with your insurer. Let us know at the time of booking.

This article is general information only, not insurance advice. Policies differ significantly between insurers and between products from the same insurer. Always check your own Product Disclosure Statement (PDS) or speak with your insurer directly before making a decision about a claim.

Need a quote? Aussie AutoGlass is a mobile service across greater Sydney — we come to your home or workplace. Book an appointment or call 0405 412 951 for a clear, no-obligation price.