Understanding Your Car Insurance: What You Need to Know About Windscreen Repairs

Windscreen damage is one of the most common car issues, and if you've ever had a rock chip or crack, you know how quickly a small problem can become a big one. But what many drivers don't realize is that not all car insurance policies handle windscreen repairs the same way. And with modern windscreens becoming more advanced (and more expensive), knowing what your insurance covers can save you a lot of money and stress.
 

Why Windscreen Insurance Matters

Today’s windscreens do more than just block wind, they often include features like rain sensors, heads-up displays, and ADAS (Advanced Driver Assistance Systems). These added technologies mean a simple windscreen replacement could cost thousands of dollars. That's why it's important to make sure your insurance offers proper coverage.
 

Important Things to Look For in Your Insurance Policy

Windscreen Repairs or Replacement Coverage
Some policies include windscreen repair or replacement as part of your comprehensive cover, but others treat it as an add-on. Check your policy to make sure windscreen damage is actually included, and whether there's a limit to how often you can claim.

Zero or Low Excess Options on Windscreen Claims
Many insurers now offer "no excess" on windscreen-only claims. This means you won’t have to pay anything out-of-pocket if you need a repair or replacement. It’s worth asking your insurer about this feature.

Freedom to Choose Your Repairer
Having the option to choose your own windscreen repairer gives you peace of mind, especially if you already have a preferred provider. Some policies lock you into their network of repairers, which may not always offer the best service or turnaround time.

ADAS System Recalibration Inclusions
If your car has ADAS features like lane assist or emergency braking, those systems often need to be recalibrated after a windscreen replacement. Make sure your insurance covers this service, it’s not only essential for safety, but it can be expensive if you’re paying out of pocket.
 

Take the Time to Review Your Policy

It’s easy to overlook the fine print in your car insurance policy, but it’s worth taking a closer look, especially at the Product Disclosure Statement (PDS). Knowing what’s covered (and what isn’t) can help you avoid surprises when you need a windscreen repair.

Having the right coverage ensures your vehicle is repaired properly, maintains its safety features, and doesn’t leave you stuck with unexpected bills.