Insurance Coverage for Windscreens

Most comprehensive car insurance policies in New Zealand cover windscreen damage. However, the specifics can vary between insurers and policy types.

Excess-Free Glass Cover: Many insurers offer an optional benefit called “excess-free glass cover.” This add-on allows you to claim for windscreen repairs or replacements without paying an excess or losing your no-claims bonus. It’s worth checking if you’ve selected this option on your policy.

Standard Coverage: If you don’t have excess-free glass cover, you can still claim for windscreen damage under your comprehensive policy. However, you’ll need to pay the standard excess, and it may affect your no-claims bonus.

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Making a Windscreen Claim

If you need to claim for windscreen damage:

1. Contact your insurer promptly. Many allow you to start a claim online or via phone.
2. Provide details about the damage and your policy.
3. Your insurer may direct you to a preferred repairer or allow you to choose your own.
4. If you have excess-free glass cover, the process is usually quick and straightforward.

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What’s Covered and What’s Not

It’s important to note that “glass cover” typically only applies to windscreens and windows. Other glass components like sunroofs, mirrors, headlights, and tail lights usually aren’t included in excess-free glass cover and may require paying an excess for claims.

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What to Do If You Don’t Have Insurance Cover

If you don’t have insurance or your policy doesn’t cover windscreen damage, you’ll need to pay for repairs or replacement out of pocket. Here’s what you should know:

Repair vs. Replacement

Small chips and cracks can often be repaired, which is significantly cheaper than full replacement. Consider repair if the damage:

• Is at least 5cm from the windscreen edge
• Doesn’t obstruct the driver’s vision
• Is no larger than a $2 coin

Costs

Repairs: Expect to pay from $92.00 for a single chip (with additional chips costing $23.00 each), or from $115.00 for crack repair. These prices are for repairs based at our workshop – additional prices may be incurred for mobile service repairs.

Finding a Repairer

Look for reputable glass repair companies that follow New Zealand safety standards. They should provide a Repair Certificate of compliance for Warrant of Fitness purposes.

Payment Options

Some repair shops offer payment plans like Afterpay to make unexpected repairs more manageable. Fast Autoglass has Afterpay available in store, for an easy, affordable payment option.

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Preventive Measures

To minimise the risk of windscreen damage:

1. Maintain a safe distance from vehicles in front, especially on gravel roads.
2.  Be cautious of loose debris on the road.
3. Address small chips promptly before they spread into larger cracks.

Remember, whether you’re claiming through insurance or paying out of pocket, prioritise safety. A damaged windscreen can compromise your vehicle’s structural integrity and the driver’s visibility while on the road. Always consult trusted local professionals for proper assessment and repair of windscreen damage.

How can I add windscreen replacement cover to my existing insurance policy

To add windscreen replacement cover to your existing insurance policy, you have a few options:

Check Your Current Coverage

First, review your existing policy to see if you already have some form of windscreen coverage:

1. Many comprehensive car insurance policies in New Zealand include some level of windscreen coverage.
2. If you have coverage, check if it’s excess-free or if you need to pay an excess for claims.

Adding Excess-Free Glass Cover

If you don’t have coverage or want to enhance your existing coverage:

1. Contact your insurance provider directly to inquire about adding excess-free glass cover.
2. This optional benefit is often available for an additional premium, typically around $69 per year.

What Excess-Free Glass Cover Includes

When you add this coverage:

• You won’t need to pay an excess for claims related to windscreen or window glass damage.
• Your no-claims bonus is usually not affected by windscreen claims.

Limitations to Consider

Be aware that excess-free glass cover typically doesn’t include:

• Sunroofs and glass roofs
• Mirrors
• Headlights and tail lights
• Lamp covers
• Other transparent plastics on your vehicle

Process for Adding Coverage

1. Contact your insurer via phone or their website.
2. Ask specifically about adding “excess-free glass cover” or “windscreen cover” to your policy.
3. Understand any waiting periods or conditions that may apply to the new coverage.
4. Confirm the additional cost and how it will affect your premiums.

Alternative Options

If your current insurer doesn’t offer the coverage you want:

1. Consider shopping around for quotes from other insurers who offer comprehensive policies with excess-free glass cover.
2. Compare policies from different providers to find the best coverage for your needs.

Remember, adding this coverage can provide peace of mind and potentially save you money in the long run, especially if you frequently drive on roads where windscreen damage is common.