My Car Window is Broken, What Should I Do?

If you happen to encounter the unfortunate event of a broken car window, it’s imperative to take swift action, regardless of whether it resulted from an unexpected cricket ball or a more serious incident like vandalism or a car crash.

• Will my car insurance cover broken windows?
• How do I make a claim for a broken car window?
• Will I lose my no-claims discount if I claim for a broken window?
• How much will it cost to replace my car window?
• What if my windscreen is broken, cracked or chipped?
• Frequently asked questions

Promptly addressing this issue is crucial, so if you find yourself in such a situation, here’s what you should do.

Will my car insurance cover broken windows?

The cover for broken car windows under your car insurance policy is contingent upon the specifics of your policy. Different insurance providers have varying approaches in this regard.

Some may include glass damage cover as a standard feature, while others may offer it as an optional add-on with an additional cost. It’s important to note that window cover is not always automatically included, and even if it is, certain conditions or limitations might apply.

To ascertain the details of your cover, the best course of action is to carefully review the fine print of your policy. Alternatively, you can quickly reach out to your insurance provider through a phone call or email to seek clarification and ensure you have a clear understanding of your cover in the event of broken car windows.

How do I make a claim for a broken car window?

To initiate a claim for a broken car window, the procedure generally follows the same steps as any other insurance claim. Most insurance providers offer a 24-hour helpline specifically for reporting damages as soon as they are noticed.

For comprehensive guidance on the claims process and subsequent proceedings, it is advisable to refer to your policy documents. These documents should provide a step-by-step outline of the necessary actions to take and the information required to proceed with your claim.

It’s important to note that there may be a time limit within which you must file your claim, so it’s best not to delay if you intend to utilise your insurance cover to address the issue.

Any such clauses pertaining to time limitations should be explicitly outlined in your policy. If you don’t have immediate access to your policy documents, you can often find the relevant information on your insurance provider’s website or by contacting their customer service.

Will I lose my no-claims discount if I claim for a broken window?

In most cases, you won’t lose your no-claims discount if you make a claim for a broken car window. The majority of insurance providers understand that window damage is often beyond your control and unrelated to your driving behaviour.

Therefore, they typically leave your hard-earned no-claims discount intact even after such a claim.

To be absolutely certain about the impact on your no-claims discount, it is advisable to review your policy documents. This knowledge can be particularly valuable if you have diligently built up your no-claims discount over time and wish to preserve it.

It’s worth noting that this information might influence your decision on whether to file a claim or opt to cover the repair expenses yourself, especially if you are financially capable of doing so.

How much will it cost to replace my car window?

The cost of replacing your car window will vary depending on your location and the specific make and model of your vehicle if you opt to pay for the replacement yourself.

If you choose to go through your insurance provider for the replacement, the expense will be determined by the terms and conditions outlined in your policy. This may include factors such as the excess amount that you need to pay out of pocket.

If you’re contemplating whether to file a claim or not, it’s prudent to calculate the overall costs involved. For instance, if the replacement is a minor job with an estimated cost of around £100, but your excess amount is £200, it might be more cost-effective to handle the repair independently.

If you decide to pursue a self-funded repair, it’s always advisable to compare prices and gather quotes from multiple garages before committing. This way, you can ensure you’re obtaining the best possible price for the replacement service.

Shopping around helps you make an informed decision and ensures you’re receiving a competitive offer.

What if my windscreen is broken, cracked or chipped?

If your windscreen is broken, cracked, or chipped, it’s crucial to address the issue promptly due to the potential risks it poses. A damaged windscreen not only hampers visibility but also compromises the structural integrity of your vehicle.

Driving with a damaged windscreen is hazardous and may result in penalties, including fines and penalty points on your driver’s licence. Therefore, if you notice any chips or cracks on your windscreen, it is essential to have them repaired without delay.

Postponing the repair is ill-advised, as cracks have a tendency to expand rapidly and can spread across the entire windscreen, creating an extremely perilous situation.

Any automotive glass specialist who deals with car windows should be able to repair your windscreen. If you are covering the cost of repair or replacement yourself, it’s important to note that the expense will vary depending on your location and the type of car you own.

However, before proceeding with the repair, it’s worth checking if your car insurance includes windscreen cover. This cover could potentially save you from incurring the expenses personally.

Take the time to review your insurance policy and determine the extent of your cover for windscreen repairs or replacements. Additionally, consider the cost implications of making an insurance claim, including any excess amount you would be responsible for paying, as it varies based on the terms and conditions specified in your policy.

Frequently asked questions