Points to consider
Driving with even a small chip in a windscreen can be very dangerous. They may start off small but over time they can expand and eventually lead to shattered windscreens. Driving with a cracked or damaged windscreen can be considered a driving offence leading to penalty points on a licence. It will also lead to an MOT failure.
Does your customers motor policy cover windscreen damage? The answer is it may, or it may not. They will need to read the policy wording to see if windscreen damage is covered. It may be covered for an additional premium, and it may have its own excess – or it may not be covered at all!!
Windscreen damage repairs usually start at £50 but not every chip or scratch can be successfully repaired, and replacement may be the only option. To replace a windscreen costs anything from £130 to £500. With cars getting ever more sophisticated, windscreen displays are now becoming an integral part of the modern driving experience.
There is usually an excess that applies to repairs and replacements –this is shown in the policy schedule. However, when this is added to the windscreen premium it is usually a lot cheaper than the excess under a motor policy plus the possible loss of a no claims bonus or an increased motor renewal premium.