Car Windscreen Cover: Essential Protection for All Seasons

Car windscreen cover is an important feature for drivers who want to protect their vehicle's glass from unexpected damage such as chips, cracks, or even full breakages. Having windscreen cover can help save money on costly repairs and offer peace of mind when accidents happen. With different types of covers available, including options that shield against weather, UV rays, and debris, car owners can choose the protection that fits their needs.

Some insurance policies include windscreen cover automatically, while others may require an extra payment. When considering whether to buy a separate policy or add this cover to an existing one, drivers should think about how often their car is exposed to risks and what level of cover works best for them.

Key Takeaways

• Windscreen cover protects against glass damage and repair costs

• Some insurance includes it, while others need a separate policy

• Choosing the right cover depends on the car's risk and usage

What Is Windscreen Cover?

Windscreen cover is a type of insurance that helps drivers pay for fixing or replacing damaged car windows. Damage can include small chips, cracks, or even the need to fully replace the windscreen or other windows on the vehicle.

Simple Definition

Windscreen cover is an insurance add-on or benefit that pays for repairs or replacement if the windscreen gets damaged. Most comprehensive car insurance policies in the UK often include some form of windscreen cover. However, not all basic or third-party policies will automatically have this protection.

A windscreen cover claim can be made when the front windscreen, side windows, or rear window gets chipped, cracked, or smashed. Policyholders can often claim without losing their no-claims bonus. Excess might still apply, but usually it is less than the excess for other types of damage.

What It Typically Includes

Windscreen cover generally applies to the following:

• Repairs to small chips in the windscreen

• Fixing or replacing cracks

• Full replacement of a broken windscreen

• Repairs or replacement for side and rear windows

• Labour costs involved in repairs or replacement

• Sometimes, cover for sunroof glass

Not all policies are the same. Some might only include the front windscreen, while others add cover for all glass on the car. Covered repairs usually need to be carried out by approved repairers listed by the insurer. Reading the policy details is important for any driver.

Chips

When a small stone hits the windscreen, it may leave a chip. Chips can seem minor, but they cause weak spots in the glass. With time or changing temperature, a chip can turn into a crack.

Windscreen cover normally pays to repair windscreen chips quickly and at low cost. Fixing a chip early can stop bigger problems and often does not require the whole windscreen to be replaced. Many UK insurers do not charge an excess for chip repairs.

Key Points about chip repairs under windscreen cover:

• Fast repairs prevent further damage

• Most policies have no excess for chips

• Repair is often done at the driver’s home or workplace

• Maintaining visibility and safety is the goal

Cracks

Cracks in a windscreen are more serious than chips. They weaken the structure of the glass and make driving unsafe. A cracked windscreen can get worse with vibration from driving or temperature changes.

Windscreen cover usually pays for repair or replacement if cracks appear. For long cracks, an entire windscreen replacement may be needed. An excess often applies for full crack repairs, which varies by insurer.

Drivers should act quickly if they notice a crack. Delaying repairs can lead to the entire windscreen shattering or failing an MOT test. Most insurers will have a list of approved repairers for such work.

Full Replacement

Sometimes, damage to the windscreen is too severe for repair. This could be due to multiple cracks, a large area of damage, or a completely shattered window. In these cases, a full replacement is necessary.

Under most comprehensive insurance policies, windscreen cover helps pay for a full replacement. The policy usually covers the cost of the new glass and the labour to install it. There is often an excess to pay, but it is lower than the excess for other claims.

Full replacement is also likely if the windscreen has embedded heating elements or sensors. The cover may also include recalibration if the car has safety cameras attached to the glass. Always check the details because not every policy will include these services.

Repairs For Side And Rear Windows

Some windscreen cover policies include side and rear windows, while others do not. When included, the cover pays for repairs or replacement if these windows get broken or damaged.

Common reasons for side or rear window repair are vandalism, theft, or accidental breakage. Labour and glass replacement costs can be significant, making cover useful for drivers. Repairs must be carried out by insurance-approved fitters in most cases.

It is important to check the policy wording about which pieces of glass are covered. Some insurers strictly limit cover to the front windscreen, while others will pay for repairs to all car windows. Claims for these repairs often have an excess, which may be different from that for the main windscreen.

Is Windscreen Cover Included In Car Insurance?

Windscreen cover is most often part of a comprehensive car insurance policy in the UK. However, not all car insurance policies provide this benefit, so it is important to know what type of cover is in place.

Comprehensive Policies

A comprehensive car insurance policy usually includes windscreen cover as standard. This means any chips, cracks, or breaks in the front windscreen are generally covered for repair or replacement.

Some policies also include cover for other car windows, including the sunroof. When making a claim, drivers may need to pay an excess. The amount varies from policy to policy.

Most insurers allow claims for windscreen repair or replacement without affecting the no claims discount. It is always best to read the policy documents for full details to avoid any surprises.

Common Features of Comprehensive Windscreen Cover

• Windscreen repair: Included

• Windscreen replacement: Included

• No claims discount impact: Often not affected

• Additional excess: Usually applies

Third-Party / Third-Party, Fire & Theft

Third-party and third-party, fire & theft policies do not typically include windscreen cover. These types of insurance only cover damage to others or, in some cases, fire or theft-related claims for the insured vehicle.

If someone with one of these policies wants cover for windscreens, they may need to purchase it as an add-on, if offered by the insurer. Often, no cover for window damage is given unless it is caused by fire or theft and included in the terms.

It is important to check policy details carefully. Not all providers offer a windscreen cover add-on for these insurance types. If windscreen cover is important, a comprehensive policy is usually a better choice.

When Might You Need Windscreen Cover?

Windscreen cover is especially important because glass damage can happen in many everyday situations. These types of incidents are often unexpected and sometimes costly, depending on the extent of the damage.

Stone Chips From Motorway Driving

While driving on motorways, vehicles often throw up small stones and debris. This is one of the most frequent causes of windscreen chips or cracks. Even a tiny stone can hit the glass at high speed and leave a noticeable mark.

Chips may seem minor at first but can quickly turn into larger cracks, which are more expensive and harder to repair. In certain cases, a damaged windscreen can even make the car unsafe to drive or cause it to fail an MOT test.

Repairing a chip is usually cheaper and faster than replacing the whole windscreen. Comprehensive windscreen cover can help pay for these repairs, saving drivers time and money.

Vandalism Or Accidental Damage

Vandalism, such as someone deliberately breaking the glass, is another risk. This can happen if a thief tries to break into the car or simply as an act of mischief or anger. Sometimes, accidental damage may occur, for example, if a child accidentally throws a ball at the car or something heavy falls onto the windscreen.

Not all insurance policies automatically include cover for vandalism or accidental damage to glass. This means that having dedicated windscreen cover is useful in situations where repairs or replacements are needed due to these reasons.

Some policies may even offer quick repairs without affecting the no-claims bonus. This detail can make windscreen cover even more valuable, especially for those who want to avoid larger insurance claims.

Bad Weather Damage

Strong wind, hail, and sudden storms can all damage a windscreen. Large hailstones can crack or shatter glass quickly, especially during severe weather events that are becoming more common in some parts of the UK.

Heavy branches or flying debris can also strike the windscreen during strong winds or storms. Sometimes, thermal stress from rapid temperature changes, such as pouring hot water on a frozen screen, can cause the glass to crack.

Windscreen cover usually helps with the repair or replacement costs after weather-related incidents, which often happen without warning. This cover is especially useful for drivers who park their cars outdoors or in areas prone to bad weather.

Does Windscreen Cover Affect Your No-Claims Bonus?

Windscreen claims are handled differently from other types of car insurance claims. Some insurers treat them separately, but it is important to know the details and costs before claiming.

Often Does Not — But Varies By Insurer

Most comprehensive car insurance policies do not reduce your no-claims bonus if you make a windscreen claim. The main reason is that windscreen damage is usually not the driver’s fault, such as a stone hitting the glass. Because of this, many insurers choose not to penalise policyholders’ bonuses.

However, each insurer sets its own rules. Some companies could treat a windscreen claim like any other claim, which might lower your no-claims discount at renewal. Others will record the claim but not affect your bonus.

This information is usually found in the policy terms and conditions. It is a good idea to check with the insurer before claiming, especially if you are unsure how the claim could impact your premium or renewal price.

Still May Have To Pay An Excess

Even if your no-claims bonus is not affected, you usually have to pay an excess for windscreen repairs or replacements. This is a set amount agreed when the policy starts. The excess for a windscreen claim is often lower than for other types of damage.

Typical Excess Payable by Claim Type

• Windscreen Repair: £0–£25

• Windscreen Replacement: £50–£100

• Other Claims (e.g., crash damage): £100+

Some insurers do not charge any excess for small repairs, but larger replacements usually always require at least a small payment. Always confirm the exact excess amount with the provider before making a claim.

How To Make A Windscreen Cover Claim

Windscreen damage can usually be assessed quickly and most insurers have a clear process for making claims. Policyholders should follow the right steps to ensure fast repairs or a replacement, and to avoid unnecessary costs.

Contact Insurer Or Approved Repairer

The first step after discovering windscreen damage is to contact the car insurance provider or the insurer’s approved repairer. Most insurers recommend using their chosen partners, like Autoglass® or National Windscreens, to handle claims and repairs.

They may offer 24/7 online booking or a dedicated phone number. If the insurer is contacted directly, they will guide the driver through the process, explain cover details, and confirm the excess fee owed. Approved repairers often handle claim paperwork, making the process simpler for the policyholder.

For those with comprehensive car insurance, windscreen cover is usually included, but it is important to confirm details in the policy wording. Some insurers may not cover all types of glass damage, so checking beforehand will help avoid surprises.

Mobile Repair Options

Many repair companies and insurers now offer mobile repair services. Technicians will travel to the car’s location, whether it is at home, work, or another safe spot. This can be helpful if the damage makes driving unsafe, or if the vehicle owner wants to avoid a trip to a garage.

These mobile services usually allow for both chip repairs and full windscreen replacements. Availability may depend on the area and weather conditions, but booking is typically easy through an app or website. There is no extra fee for choosing a mobile repair, but it is best to check this with the provider.

If mobile repair is not available, customers may need to take their car to an approved centre. Appointments are often offered quickly, especially for urgent cases where visibility or vehicle safety is affected.

Provide Photo Evidence Or Reference Number

Insurers often require photo evidence of the damage. Clear pictures help assess whether the windscreen needs a repair or full replacement. Some repairers allow these photos to be uploaded via their website or sent by email.

Alternatively, the insurer may ask for the policy reference number or claim number if a previous conversation has taken place. This helps to speed up the process and ensures that the claim is linked to the right person.

It’s important to send images that clearly show the chip, crack, or shattered glass. Good lighting and multiple angles make it easier for the assessor to make a decision. Keeping the policy documents handy will also help to provide needed details quickly.

Repair Vs Replacement: How Excess Differs

The amount payable as excess can change depending on whether the glass is repaired or replaced. Most insurers charge a lower excess for a simple chip repair than for a full windscreen replacement.

For example, an insurer might set a £10–£25 excess for repairs, but a £75–£115 excess for a replacement. This is because repairs are cheaper and take less time, while replacements involve fitting a new glass panel and sometimes recalibrating sensors.

The policy schedule will show the exact excess amounts. Some insurers may offer repairs with no excess payment at all, so it helps to check the terms before booking. Always confirm whether making a claim will affect the no-claims discount, as this can differ by insurer.

Can You Buy Windscreen Cover Separately?

Windscreen cover is sometimes included in comprehensive car insurance policies, but not always. Some people want extra protection or need to add it because their policy does not include it as standard.

Some Insurers Offer It As A Bolt-On

A bolt-on, or add-on, is an extra feature that drivers may attach to their existing car insurance policy. Many insurance providers let customers add windscreen cover as a bolt-on when buying or renewing their policy.

The cost of adding windscreen cover as a bolt-on is usually low compared to the main premium. This add-on covers repair or replacement of the windscreen. It often includes side and rear windows as well.

Each insurer sets different terms and limits. For example, there may be an excess to pay or a cap on the total claim value. It is important to check exactly what is included. Policies may differ on whether cover is for chips, cracks, or full replacement.

Having a bolt-on means drivers do not need to look elsewhere or manage a separate policy. This option is popular and widely available with standard comprehensive car insurance in the UK.

Not Typically Sold As A Standalone Product

Most insurers do not sell windscreen cover as a standalone product. Drivers looking only for windscreen insurance will find very limited options.

Standalone windscreen cover is rare because insurers prefer to bundle it with standard or comprehensive cover. Most drivers want broader protection, so the demand for single-purpose windscreen policies is low.

However, a few specialist companies in the UK do offer standalone windscreen insurance. These are often aimed at drivers whose current insurer does not offer windscreen protection or those with third-party policies.

Standalone cover usually has its own terms, including annual premium payments, claim limits, and sometimes higher excess fees. Drivers should make sure these policies fit their needs and budget before signing up.

Compare Providers To See Who Includes It By Default

Not all comprehensive car insurance policies include windscreen cover as standard. It varies between insurance companies and policy types.

Some insurers automatically include windscreen cover in their main comprehensive policies. Others exclude it, offering it only as an optional add-on for an extra fee. Comparing what is included by default can help find the best deal.

What to Look For When Comparing Windscreen Cover

• Windscreen repair:

  May be included by default (varies by provider). Often available as a bolt-on. Rarely offered as a standalone policy.

• Full windscreen replacement:

  Sometimes included, but often needs to be added. Can usually be added as a bolt-on. Standalone cover is rare.

• Side and rear window cover:

  Not always included. Often offered as a bolt-on. Standalone policies are uncommon.

Drivers should read the policy documents to check for any excesses, limits, or provider-approved repairers. This helps avoid surprises if a claim is needed later.

Tips To Protect Your Windscreen

Taking steps to protect the car windscreen can reduce the risk of cracks, chips, and costly repairs. Paying attention to driving habits, parking choices, and protective products can make a significant difference in windscreen lifespan.

Avoid Tailgating On Motorways

Tailgating leaves little room to react if the vehicle in front kicks up stones or other debris. Even a small stone from a lorry’s tyres can cause noticeable chips or cracks on the windscreen.

Maintaining a safe distance allows more time to brake or steer away from loose objects. The recommended two-second gap between vehicles is especially important on motorways where higher speeds magnify damage risks.

Safe following distance also improves visibility and safety overall. Paying attention to changing road surfaces, like those under construction or covered with loose gravel, helps limit exposure to flying debris.

Park Away From Trees Or Construction

Parking under trees increases the chance of sap, bird droppings, or falling branches landing on the windscreen. These can damage glass or make cleaning difficult. Construction sites may create dust clouds or scatter loose rocks which can hit glass, especially in windy conditions.

Whenever possible, choose parking areas away from large trees and active worksites. If only limited options are available, look for shelter from nearby buildings or use a car windscreen cover to add a layer of defence.

Parking in a garage or covered space is ideal. For those without access, picking a spot that shields the car from obvious hazards can help maintain a cleaner, safer windscreen.

Use Protective Glass Coatings

Applying a protective glass coating creates a barrier against dirt, water, and minor scratches. These coatings can make routine cleaning easier, as debris and moisture slide off with less effort.

Many glass coatings are available as sprays or wipes, and should be applied to a clean, dry windscreen for best results. The effect can last several months, depending on driving conditions and weather exposure.

Benefits include improved water beading, which helps maintain clear vision in rain. Some coatings also help prevent ice forming on the glass in winter, making morning starts simpler and reducing cold-weather wear.

Compare Car Insurance With Windscreen Cover

Car owners can find it difficult to choose the right car insurance with windscreen cover. Using an online comparison tool helps users quickly check which policies include windscreen repair or replacement and compare costs.

MySupermarketCompare.com Lets Users Compare Policies

MySupermarketCompare.com allows drivers to easily compare car insurance policies from many providers. Users can filter results to only show policies that include windscreen cover, making the search process much simpler.

The platform lists each insurer, their prices, what is covered, and important details about excess and claims. Drivers can use comparison tables to see features such as: Example Windscreen Cover Comparison

• Insurer A:

  Windscreen cover is included.

  Repair cost: £0

  Replacement cost: £75

  Excess: £50

• Insurer B:

  Windscreen cover is optional.

  Repair cost: £10

  Replacement cost: £100

  Excess: £70

• Insurer C:

  Windscreen cover is included.

  Repair cost: £0

  Replacement cost: £0

  Excess: £0

Being able to see this information side by side helps people make choices based on cover, not just price.

Save Time And Money — Use MySupermarketCompare.com

Looking through each insurer’s website can be time-consuming. MySupermarketCompare.com saves drivers time by presenting all the important details in one place.

The tool updates policy information regularly, so users can trust they are seeing current offers and accurate prices. Many people find that using a comparison site helps them spot discounts or special deals that might be missed otherwise.

Some providers may include windscreen cover as a standard feature, while others treat it as an extra option. Comparing these differences can help drivers avoid unexpected costs and pick the best policy for their needs.

Frequently Asked Questions

Windscreen covers help shield car windows from frost, snow, and debris during harsh weather. Choosing the right cover involves looking at materials, how it attaches to the car, and whether it's right for use inside or outside the vehicle.

How do I choose the best windscreen cover for winter conditions?

To pick the best windscreen cover for winter, look for one made from thick, waterproof materials. It should fit your car well and cover all glass areas. Some covers have extra insulation to keep the windscreen free from ice and frost.

Can a windscreen cover prevent frost accumulation?

Yes, using a windscreen cover can stop frost from forming on the windscreen overnight. The cover acts as a barrier, so ice and snow collect on it instead of the glass. This saves time in the morning, as there is no need to scrape ice off.

What features should I look for in a high-quality windscreen cover?

A good windscreen cover should be weatherproof and tear-resistant. Elastic edges, security flaps, and adjustable straps help keep it in place. Also, check that the cover has a soft inner layer that prevents scratches, and that it is easy to fit and remove.

Are there windscreen covers suitable for use inside the vehicle?

There are windscreen covers designed for the inside of the car. These usually work as sunshades or frost barriers that stick to the inside of the glass. They are helpful when outside covers are not practical, but they may not defend as well against heavy snow.

How do I properly secure a windscreen cover to ensure it stays in place?

To secure a windscreen cover, tuck the ends into the closed doors or use built-in straps. Some covers have magnets or suction cups for extra grip. Make sure all corners are tightly fitted, so wind cannot lift the cover away during a storm.

Which retailers offer the most reliable windscreen covers for my car?

Most car accessory shops and large online retailers, such as Halfords, Amazon UK, and Argos, offer a wide range of windscreen covers. It is best to check reviews and product details to make sure the cover fits your car model and meets quality standards.