Windscreen and Window Glass Cover – Car Insurance

Various car insurance in Australia

There are many insurance companies in Australia, and car insurance covers are different from different companies.

Car insurance mainly refers to CTP (Compulsory Third Party) Green Slip Insurance, Third Party Property Damage Car Insurance and Comprehensive Car Insurance.

You must pay for CTP before you drive the car on the road, but it cannot cover the damage to your car. The other two insurance and Road-Side Assistance Insurance are not mandatory. You can select based on what you need. The premium is mainly based on your driving experience, gender, age, objectives’ financial situation, mileage, age, model of vehicle and so on.

The terms of the car insurance clearly point out that the loss of the vehicle and the broken glass at the same time belong to the loss insurance of the vehicle, but if only the glass is broken alone, it cannot be compensated for you. Only in the case of windscreen and window glass insurance can the corresponding compensation be made. At this time, you need to insure the car with windscreen and window glass insurance separately to protect your own interests.

What is windscreen insurance? That is, when the car is parked or driving, only the windshield and the window glass are broken, and other parts of the car body are not damaged, the insurance company will cover the cost of windows repair or replacement. The glass of the vehicle will inevitably be damaged during use, once the glass is damaged, it will seriously affect the safety of the driver, which will cause serious safety hazards.

Does car insurance cover the broken windscreen and window glass?

Whether your car insurance covers the broken windscreen depends on what car insurance you purchased, and what extras you selected. Some insurance companies may include the cover for broken windows in their comprehensive car insurance.

However, purchasing comprehensive insurance does not mean that you don’t need to spend any money on your windscreen repair or replacement. You still should pay an excess according to your policy. Sometimes, the excess fee may equal to or even greater than the cost of repairing or replacing your windscreen. Besides, the claim of repairs or replacement may be recorded in history and affect next year premiums. 

If you choose NRMA, they provide all above car general insurance policies. However, if you seek windscreen and window glass only insurance, it is not enough to just be comprehensively insured. You need to upgrade it to the comprehensive plus policy, which contains the extra services like excess-free windscreen and window glass cover. Excess-free service means that you don’t need to pay an excess fee when you have an accident and claim for the insurance. It is convenient and saves time when claiming. It also will not affect next year’s premiums.

There is also a similar selection when you consider AAMI insurance company. They have an optional cover for the comprehensive car insurance, which is windscreen and window glass cover. It is also excess-free service, but you can only pay no excess on one claim per year when repairing or replacing your windscreen. AAMI is a popular insurance company in Australia, apart from the car insurance, it also provides many other insurance, including home & contents insurance or pet insurance.

Allianz also offers a similar optional cover called Removal of Basic Excess for Windscreen Claims Cover. It is an extra of Allianz Comprehensive Car Insurance. You need to pay an additional fee, and it includes a total two times of claiming for auto glass repair and one time of claiming for your windscreen replacement during each insurance period. It is also important to pay attention that this insurance does not cover the windscreen which is damaged before purchasing the insurance.

When it comes to GIO, if you choose to buy GIO Platinum insurance, it automatically includes windscreen and window glass cover. They will offer excess-free on first-time claims of windscreen repair and replacement during one period.

One thing to pay attention to when purchasing auto glass insurance is that the insured and the insurer can negotiate to choose whether the insured glass is to be imported or domestically produced. Under normal circumstances, imported vehicles can choose to insure imported glass insurance or domestic glass insurance, but domestic vehicles can only choose to insure domestic glass insurance.

Claim for windscreen and window glass cover

It is essential to read the relevant product disclosure statement before you decide to buy car insurance from various insurance companies, not only home contents, but also every policy in the PDF. Most insurance companies recommend that please read the disclosures, even when you hire a car for a trip. When you decide which company you want to choose, it is important to know what the pty ltd abn is, and what the terms and conditions they provide. Some companies also offer some financial services for customers.

You can choose us Aussie AutoGlass for excellent auto glass services including windscreen repair and replacement. We can also provide the service that helps you claim the cost to repair and replace.