Car Insurance with Free Windscreen Replacement

Compare policies side-by-side online and assess your options for car insurance with free windscreen replacement cover.

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, updated on February 15th, 2024       

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Car Insurance Banner - Windscreen repairer holding a new windscreen ready to install it in a black car.

Looking for car insurance that offers free windscreen replacement? Having cover in this area can provide you with added peace of mind knowing that if your windscreen gets damaged, it can be replaced without any additional cost to you. Whether it's a small chip or a crack, having this coverage ensures that you won't have to worry about the expenses associated with windscreen repairs or replacements which qualify for coverage with your insurer.

Comparing online allows you to see a range of quotes in one place, simplifying the process of picking out the most suitable policy. You can see the benefits and features side-by-side, helping you make an informed decision. Get a free, no-obligation quote today.

Can I get car insurance with free windscreen replacement?

Yes – you can get car insurance with free windscreen replacement in Australia. Many insurance providers offer this additional coverage as part of their comprehensive car insurance policies, while others may require policyholders to pay a fee to add it to their coverage. It can provide you with the benefit of having your windscreen repaired or replaced without having to pay an excess. This is generally known as excess-free windscreen replacement or a windscreen excess reduction.

When considering car insurance with free windscreen replacement, it's important to review the terms and conditions of the policy. While most policies offer this coverage, there may be limitations and conditions to be aware of. These may include restrictions on the number of claims you can make within a specific period, the types of damage covered and the process for filing a claim.

To obtain car insurance with free windscreen replacement, you can explore different insurers and their offerings. It's crucial to compare quotes from multiple insurers to ensure you're getting the best coverage at a competitive price. 

What does free windscreen replacement cover on my car insurance?

Free windscreen replacement coverage on your car insurance policy typically covers the cost of repairing or replacing your vehicle's windscreen in the event of damage included under your policy’s terms and conditions (such as due to hailstones). This may also extend to other windows in your vehicle, such as side and rear windows, which is commonly referred to as windscreen and window glass cover.

This coverage can extend to various types of windscreen damage, including chips, cracks and other forms of breakage. Some policies may have restrictions on the number of claims you can make within a certain period or the types of damage that are covered, so it’s important to review your policy documents to understand the specific conditions and limitations of the coverage.

Having free windscreen replacement coverage on your car insurance can provide peace of mind and save you from incurring significant costs associated with windscreen damage. It’s crucial to carefully review your policy terms and conditions and ensure you understand the coverage provided before making a claim, such as whether your windscreen excess is waived entirely or only reduced.

How much extra does free windscreen replacement cover cost?

The cost of adding excess-free or excess-reduced windscreen repair and replacement cover will depend on your insurer and the policy you’ve purchased. Some may include this as standard in their comprehensive policies, which would mean you don’t have to pay anything for cover, while others will require you to purchase it separately. Other factors may also influence its cost when buying car insurance in some situations, such as the value of your vehicle and where you get it repaired.

Can I choose my own repairer when it comes to windscreen replacement cover?

The ability to choose your repairer for windscreen replacement cover may vary depending on the specific terms and conditions of your car insurance policy. Some insurance providers may have a preferred network of approved repairers that they work with, while others may allow you to select your repairer.

If your policy allows you to choose your repairer, it gives you the flexibility to select a trusted and reputable windscreen repair specialist of your choice. You can opt for a repairer that you feel comfortable with or one that offers convenient services or specific expertise in windscreen repairs.

However, it's important to note that insurance providers generally have specific criteria or guidelines which must be met by the repairer you choose. They may require the repairer to be licenced, certified or meet certain quality standards. Before selecting your repairer, contact your insurance provider and enquire about their specific requirements and any potential impact on your coverage.

It's worth mentioning that if your policy has a preferred network of repairers, choosing a repairer outside of that network may have implications on your coverage or the amount you'll be reimbursed.

Types of car insurance you can choose from

Common free windscreen replacement questions

Does the free windscreen replacement affect my no-claims bonus or insurance premium?

The impact of free windscreen replacement on your no-claims bonus or insurance premium depends on the terms and conditions of your car insurance policy. However, in most cases, you’ll lose your bonus with any claim, including for windscreen damage, unless you have no-claims bonus protection on your policy.

Can I transfer my car insurance with free windscreen replacement to a new vehicle?

Whether you can transfer your car insurance with free windscreen replacement to a new vehicle depends on your insurer's policies. Some insurers may allow you to transfer the coverage, while others may require you to adjust your policy to suit the needs of your new vehicle. It's important to contact your insurer and inform them about the vehicle change to understand the options available and any adjustments which may be needed.

How do I make a windscreen replacement claim on my car insurance?

To make a windscreen replacement claim on your car insurance, you’ll need to follow the claim process outlined by your insurer. This often involves contacting your insurer's claims department or customer service, providing details about the damage and submitting relevant documentation such as photos, repair quotes or receipts. Your insurer will guide you through the specific steps to initiate and process the claim.

Can I get free windscreen replacement if I have a cracked windscreen?

Whether you can get free windscreen replacement for a cracked windscreen depends on the extent of the damage to your vehicle and your repairer’s assessment. Your repairer will assess the damage to help determine whether a full replacement is required, with more minor cracks (such as those at or around 3cm) potentially only needing to be repaired.

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Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.