Does Windscreen Cover Come Standard With Comprehensive Insurance?

Does Windscreen Cover Come Standard With Comprehensive Insurance?

Not always — windscreen cover is not automatically included in every comprehensive policy. Many comprehensive policies do cover windscreen damage subject to an excess, but a good number treat full glass cover as an optional extra you pay more for. Some policies cover replacement but limit how many claims you can make per year. The only way to know what you have is to check your Product Disclosure Statement.

What to Look For in Your Policy

• A dedicated glass or windscreen section in the PDS — this is where any specific terms will sit.
• Whether it’s included or optional — look for wording like “optional benefit” or “additional cover”, which means you had to select and pay for it.
• Any claim limits — some policies cap the number of glass claims per policy period.
• The applicable excess — standard, reduced, or nil.
• Whether repairs are treated differently to replacements — some policies waive the excess for chip repairs but not full replacements.

Third-Party Policies

Third-party property damage insurance covers damage you cause to other people’s property. It generally does not cover damage to your own vehicle, including your windscreen. If you’re on a third-party policy, a windscreen replacement will typically be an out-of-pocket cost.

Knowing the Actual Cost Helps

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

Having the real figure makes it easier to weigh a claim against paying directly, especially for smaller repairs.

Frequently Asked Questions

Does comprehensive insurance always cover windscreens?

No. Many comprehensive policies include glass cover subject to an excess, but others sell it as an optional extra. Check your PDS to confirm what you have.

How do I check if I have windscreen cover?

Look for a glass or windscreen section in your Product Disclosure Statement or certificate of insurance, or call your insurer and ask directly.

Does third-party insurance cover my windscreen?

Generally no. Third-party property policies cover damage to others’ property, not your own vehicle’s glass.

Is optional windscreen cover worth adding?

That depends on your driving conditions, your excess, and the premium for the add-on. It’s a personal decision worth discussing with your insurer.

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.