Is windscreen replacement covered by insurance?

What UK drivers should check before using windscreen insurance cover, including excesses, claims and direct pricing.

Check your policy first

Many comprehensive motor policies include windscreen cover, but the excess, approved repairer rules and claim process vary. Some customers choose a direct fitted price when the excess is close to the replacement cost.

Insurance can affect timing

Insurer approval can add admin steps. A direct quote can be quicker when you need the vehicle back on the road and want a VAT-inclusive price upfront.

ADAS and extras

If your vehicle has ADAS cameras, calibration may be required. Confirm whether your insurer covers calibration and whether it is included in the authorised repair route.

Quick questions

Will a windscreen claim affect my no claims bonus?

Policies vary. Check your insurer documents or speak to your insurer before claiming.

Can I pay directly instead of claiming?

Yes. Central Windscreens provides direct fitted prices so you can decide which route makes sense.