Does Insurance Cover Windscreen Replacement in Australia?

Does Insurance Cover Windscreen Replacement in Australia?

Whether windscreen replacement is covered by insurance depends entirely on your policy and insurer. Here’s a general overview to help you understand what to check.

It Depends on Your Policy Type

Comprehensive car insurance policies in Australia often include some level of windscreen or glass cover, sometimes with a separate, lower excess than the rest of the policy. Third-party property or third-party fire and theft policies typically don’t cover damage to your own vehicle’s windscreen. The details vary significantly between insurers and individual policies.

What to Check on Your Policy

Look for terms like “windscreen cover,” “glass cover” or “windscreen excess” in your Product Disclosure Statement (PDS). Check whether there’s a separate, lower excess for glass claims, whether it applies to repairs as well as replacements, and whether there’s a limit on how many claims you can make. If you’re unsure, your insurer can clarify exactly what your policy includes.

Repair vs Replacement Cover

Some policies treat small chip repairs differently from full replacements, sometimes waiving the excess entirely for a repair to encourage early fixes. This varies by insurer, so it’s worth checking your specific policy wording.

Can I Choose My Own Repairer?

In Australia, most insurers allow you to choose your own repairer even if they have a preferred supplier network, though using a non-preferred repairer may affect how the claim is processed. Check your policy or ask your insurer directly to confirm your options.

How to Make a Claim

Contact your insurer to start a windscreen claim, and they’ll advise on the process, any excess payable, and whether you can book directly with a repairer of your choice. We’re happy to provide a quote or invoice to support your claim.

FAQ

Will a windscreen claim affect my premium?

This depends on your insurer and policy – some offer no-claim-bonus protection for glass claims specifically. Check with your insurer for guidance on your situation.

Do I still pay if it’s covered by insurance?

Most policies involve an excess payment even when a claim is approved. Your insurer can confirm the amount that applies to your policy.

What if I’m not insured or don’t want to claim?

We’re happy to provide a quote for a private, uninsured repair or replacement – just get in touch with your vehicle details.

Get a Quote for Your Windscreen

Whether you’re claiming through insurance or paying privately, we can help. Make an appointment or call 0405 412 951 for a quote.