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Windscreen replacement and repair

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 accident1.

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 break down 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 need a full replacement.

According to vehicle glass specialists O’Brien, your windscreen will need replacing if2:

  • 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 $10003. 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 vehicle2.
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 claims history.

Removing the basic excess for windscreen claims

To avoid paying out of pocket for a windscreen repair or replacement, you may be able to purchase optional excess free windscreen replacement cover for an additional premium.

We offer 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 claims history, 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. Learn more about Allianz Comprehensive Car Insurance.

It’s important to note that no car insurance will cover a previously damaged windscreen, so make sure you check your insurance cover.

If you have any questions regarding your car insurance, don’t hesitate to give us a call on 13 1000. As always, we’re here to help you.

Please note the information in this article is general in nature and does not take into account your objectives, financial situation or needs. You should consider obtaining independent advice before making any decisions based on this article
References
  1. Australia’s Auto Glass Association, Safety, accessed August 2020, 
    https://www.autoglass.org.au/safety
  2. O'Brien AutoGlass, Windscreen repair and replacement, accessed August 2020, https://www.obrien.com.au/autoglass/windscreen-repairs-and-replacements/
  3. Canstar, How much does it cost to replace a windscreen?, accessed August 2020, https://www.canstar.com.au/car-insurance/windscreen-replacement-cover-cost/
Disclaimer
This article has been prepared by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (“Allianz”). Information contained in this article is accurate as at  23rd September 2021 and may be subject to change. In some cases information has been provided to us by third parties and while that information is believed to be accurate and reliable, its accuracy is not guaranteed in any way. Any opinions expressed constitute our views at the time of issue and are subject to change. Neither Allianz, nor its employees or directors give any warranty of accuracy or accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in this article.

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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.

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