You are driving along and all of a sudden a small stone hits your windscreen causing either a chip in the glass or it to crack. So, what do you do next?
Well, depending upon the severity of it and where the damage is will dictate whether it is safe to drive your car. It will need either repairing or replacing.
A new car windscreen is costly if you have to pay for the total cost yourself. The writer of this post has a Peugeot 207cc and recently had a crack about 8 inches long meaning that the glass needed replacing. The cost of a new windscreen for that vehicle was over £500.
Fortunately, the owner of the car had windscreen cover included in their car insurance policy and was able to claim on it. However, there was a £95 excess payable.
So, have you got your windscreen covered? You should check your motor insurance policy. If you have fully comprehensive car insurance it is quite likely that you have windscreen cover included as standard but check to make sure this is the case. If you have third party or third party fire and theft then you will not have such cover included as standard but you may be able to include such cover as an optional extra.
The amount of the excess can vary between insurance providers so this is something that you may wish to take into account when you are obtaining car insurance quotations.
If you cannot get cover for damage to your windscreen or to replace it within your car insurance policy then there are a number of companies that provide specific policies for windscreen cover so you may wish to look into this to see how much it costs.
Check whether only your windscreen is covered or if it also includes cover for your side windows, rear window and sunroof.