Your windscreen is more important to your car than you may think. It provides up to 30% of your car’s structural strength, and also supports the airbag if it’s activated during an accident i. A crack in your windscreen might seem minor, but it can have a significant effect on your safety on the road. It’s important you repair your windscreen as soon as damage occurs, and always go to a professional.
Replacing and repairing your windscreen can be expensive. In this article we breakdown windscreen cover, and answer some commonly asked questions.
Repairing and replacing your windscreen
If your windscreen is damaged, it may either be repaired or replaced. Repair may be the best option for small cracks, while bigger cracks or intrusive damage may require a full replacement.
According to vehicle glass specialists O’Brien, your windscreen will need replacing if ii:
- it has a chip bigger than a $1 coin
- there are cracks of 3cm or longer on the driver’s side of the windscreen
- there is other damage that obstructs the driver’s line of sight
How much is a brand new windscreen?
The cost to repair or replace your windscreen can be anywhere from $250, to more than $1000 iii. The cost depends on a number of different factors, including the size and position of the damage and the make, model and age of your vehicle ii.
Covering your windscreen with insurance
Does insurance cover a cracked windscreen? Well, that depends on the kind of insurance you have, and on any extras you may have added to your policy.
Cover for a broken windscreen is included as part of comprehensive car insurance policies, such as Allianz Comprehensive Car Insurance.
However, even if you have comprehensive insurance, you’ll still need to pay an excess towards the cost of repair or replacement. The excess you will need to pay will depend on your policy, and should be listed in your policy schedule. The excess you pay may even be most of the cost of replacing your windscreen. Claiming for a windscreen repair or replacement may also count against your star rating or no claims bonus entitlements.
Removing basic excess for windscreen claims
To avoid paying out of pocket for a windscreen repair or replacement, you can purchase optional excess free windscreen replacement cover for an additional premium.
Allianz offers optional Removal of Basic Excess for Windscreen Claims cover which you can add to a new or existing Allianz Comprehensive Car Insurance policy at an additional cost provided the glass has no pre-existing damage. With this option, you can make an excess free claim for up to two windscreen or window glass repairs and one windscreen or window glass replacement in each policy period. Approved claims do not impact your Star Rating or no claim bonus, so you can fix your windscreen without it impacting your premium.
This optional cover can make repairing or replacing your windscreen less expensive. At Allianz, you can even process your claim directly through windscreen specialists O’Brien Glass, getting the damage fixed hassle free. Allianz’s excess free windscreen option is so popular that it is claimed more than any other type of cover, with 42,000 windscreens replaced in the last two years alone . You can learn more about it here.
It’s important to note that no car insurance will cover a previously cracked windscreen, so make sure you check your insurance cover.
If you have any questions regarding your car insurance, don’t hesitate to give Allianz a call on 13 1000. As always, we’re here to help you.
- Australia’s Auto Glass Association, Safety, accessed August 2020, https://www.autoglass.org.au/safety
- O'Brien AutoGlass, Windscreen repair and replacement, accessed August 2020, https://www.obrien.com.au/autoglass/windscreen-repairs-and-replacements/
- Canstar, How much does it cost to replace a windscreen?, accessed August 2020, https://www.canstar.com.au/car-insurance/windscreen-replacement-cover-cost/