Whether your insurance covers windscreen replacement depends on your level of cover and any optional extras. Comprehensive policies often include glass cover, while basic policies usually don't. Here's how to check and decide whether to claim.
Comprehensive vs third-party policies
Comprehensive car insurance commonly includes cover for windscreen and window glass damage, sometimes as standard and sometimes as an optional add-on. Third-party property, fire and theft, or compulsory third-party (CTP) policies generally do not cover your own windscreen.
Windscreen excess and no-claim bonus
Many comprehensive policies have a specific windscreen or glass excess, which can be lower than your standard excess. Some insurers also offer one windscreen claim per year that doesn't affect your no-claim bonus — but the details vary by insurer, so check your Product Disclosure Statement (PDS).
- Look for a 'windscreen excess' or 'glass excess' figure in your PDS
- Check whether a windscreen claim affects your no-claim discount
- Confirm whether you can choose your own glass repairer
When claiming is (and isn't) worth it
If the replacement cost is close to or below your excess, it's usually cheaper to pay directly and skip the claim. If the glass is expensive — for example a late-model windscreen with a camera that needs calibration — claiming can make sense. We can give you the replacement price so you can compare it against your excess before deciding.
Frequently Asked Questions
- Can I choose my own windscreen repairer?
- Many insurers let you choose your own repairer, while others have preferred suppliers. Check your policy. We're happy to work with you on a windscreen claim where your insurer allows you to choose.
- Will claiming raise my premium?
- It depends on your insurer and policy. Some offer a windscreen claim that doesn't affect your no-claim bonus; others may. Always check your PDS or call your insurer first.
Need a windscreen sorted?
Brisbane Mobile Auto Glass comes to you for windscreen replacement, chip repair and car window glass across Brisbane and South East Queensland. Explore our services:
Related Guides
- How Much Does Windscreen Replacement Cost in Brisbane?
A plain-English guide to what windscreen replacement actually costs in Brisbane — and the factors that move the price up or down.
- ADAS Calibration: Why a New Windscreen May Need It
Why the camera behind your windscreen may need recalibrating after a replacement — and why it's not a step to skip.