How To Claim Car Window Damage Through Your Insurance

How To Claim Car Window Damage Through Your Insurance

There’s no denying that a damaged windscreen is an irritation but if you’ve got comprehensive motor insurance, it’s really no big deal.

However, without insurance, a chip or crack in your vehicle’s windscreen can be costly – especially if the damage is left untreated.  That’s because it can quickly escalate into a major problem which may then actually require a full windscreen replacement.

On the other hand, most comprehensive motor insurance policies include cover for damaged window glass and the problem can be sorted out quickly and easily.  Many windscreen repairers offer a convenient 24/7 mobile service and will restore your windscreen to nearly new condition at a time and a place that suits you – plus there’s likely to be little or no cost to you depending on your insurer and your policy.

Each insurance company is different and it’s up to you which one you choose.    Each offers comprehensive cover but the terms and conditions may vary when it comes to windscreen damage.

For example, Progressive offers free windscreen repair (eg chips and dents) with comprehensive cover but they don’t provide free windscreen replacement (the standard excess level would apply each time a replacement is required) whilst with AAMI comprehensive cover, there would be no excess on the first claim for repair or replacement of the windscreen or window glass (including sunroof) each year if it’s damaged by an insured event.

And if you’re comprehensively insured with RAC, you can make your claim online or give them a call and they will arrange for one of their approved glaziers to carry out the repairs.  If the damage is repairable, your claim will be processed without an excess but if the damage is such that a full windscreen replacement is necessary, then an excess of around $100 may apply.

Standard excesses can sometimes mean that it is not cost-effective to lodge a claim for a windscreen repair, especially if the damage is minor.

Before you commit to a motor insurance policy, be sure to read the fine-print and make sure you are happy with the inclusions, exclusions and the terms and conditions.  Not all comprehensive policies include windscreen cover, so check the optional extras and the costs involved to make sure you are getting the best bang for your buck.

If you do have a damaged windscreen, here’s how to claim:

  1. Get as much detail about the damage as possible before you contact your insurer. Make notes about how, where and when the incident happened, and take photographs if necessary.
  2. If criminal activity is suspected, you will need to report it to the police and get a case number.
  3. Contact your insurer and provide full details of the claim. Depending on your policy and your claim, they may need to appoint an assessor to inspect the damage or they may direct one of their authorised providers to proceed with the repairs once the claim has been lodged.
  4. Depending on your insurance company, you may be able to bypass them completely and go directly to the windscreen repair company – all you need is your policy number.
  5. Once you have the go-ahead from your insurer, you can either book your vehicle in for repairs or have the mobile service come to you.

Autoscreens has been approved by all major insurance companies for quality windscreen repairs and windscreen replacements in Perth, and their fast, efficient mobile service means your vehicle will be back on the road in no time at all (and with a lifetime warranty).  Get in touch with Jason on 0400 200 086 or make a booking online at Autoscreens and put their 20 years of experience to the test.

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