Does car insurance cover a broken window?
It can be costly to replace a broken car window but some insurance policies may be able to cover some or all of the cost. Depending on the type of cover and the individual policy the whole cost may be covered or you may have to pay an excess. Small windscreen chips can sometimes be repaired. If you have comprehensive insurance this is usually free and will not affect any no claims bonus you may have.
Types of insurance
Car insurance comes in three basic types. These are Third Party, Third Party Fire and Theft and Comprehensive. Third Party insurance only covers the cost of claims made by third parties in the event of an accident. Standard Third Party insurance will not cover the cost of a broken window. Third Party Fire and Theft insurance also covers you if your car is stolen or catches fire. It will usually cover you if a window is broken as the result of a break in but not for accidental damage. Comprehensive insurance offers all the protection of Third Party Fire and Theft and also covers you for accidental damage. This usually includes broken windows.
Windscreen cover is usually included in a comprehensive insurance policy. It covers the cost of repairing or replacing the windscreen and usually also applies to other car windows. It may also be called "Windscreen and glass cover" or some other variation. Many insurers will also allow you to add windscreen cover to Third Party or Third Party Fire and Theft policies as an optional extra.
Most car insurance policies include an excess. This is the amount you have to pay towards any individual claim that you make. If the excess is more than the cost of replacing or repairing a window, it is not worth making a claim. If the excess is close to the cost of replacing or repairing a window you should consider the facts that making a claim may raise your premiums in the future and may affect your no claims bonus.
Many comprehensive insurance policies will cover the cost of repairing a small chip or crack on your windscreen. This will not usually affect your no claims bonus and you will not usually have to pay an excess. Insurers may have their own lists of approved mechanics or windscreen repair specialists they require you to use.