Windscreen Cover
All comprehensive policies provide a policy
extension to cover the cost of a replacement windscreen.
Some third party fire and theft policies can add this option
for an extra premium. This part of your policy provides
special cover for the glass in your car. Not only is your
windscreen protected but all of your door and window glass,
hatchback glass and some insurers even provide for sunroof
glass. If you use your insurers specialist glass firm (there
are several of these around now), all you will pay is the
reduced excess for this section (often £50). Should you
notice a small chip or crack in any of your glass, get it
repaired and you pay no excess at all. Insurers prefer to
repair if possible. It's a lot cheaper! That is why they let
you off the excess.
Although it's possible to get windscreen work
done by a car dealer or local garage, they often charge more
than the specialists. Your insurer might try and discourage
this by insisting you pay first and claim it back by filling in
a claim form, something you would not have to do if you used
their recommended supplier who would charge the insurer
directly, without you having to be out of pocket whilst claims
are processed.
A good motor policy will let you have any
number of windscreen claims without any impact on your no
claims bonus although you will be required to pay the excess
each time.
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"I had been driving for 40 years when I fell
asleep at the wheel
and had an accident. "
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Extracts taken from actual claim
forms submitted to
a number of UK car insurance companies |
Next.....
UK Car Insurance Policy Clauses - Trailers &
Caravans
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