Does my car insurance cover windscreen replacement?
Most comprehensive UK motor insurance policies include windscreen cover as standard. This typically covers chip repair, full windscreen replacement, rear and side glass, and in some cases sunroof and panoramic glass. Third-party-only policies usually do not include glass cover. Check your policy schedule or call us on 0800 318 711 and we will confirm your cover for you.
Will a windscreen claim affect my no-claims bonus?
No. Windscreen and glass claims are treated separately from accident claims by virtually every UK insurer. A glass claim does not affect your no-claims bonus and will not increase your premium at renewal. This is one of the reasons insurers make windscreen cover a standard feature of comprehensive policies.
Do I have to pay an excess on a windscreen claim?
Chip repair is usually covered with zero excess on most comprehensive policies — you pay nothing and the insurer settles directly with us. For a full windscreen replacement, most policies have a glass excess of around £75 to £115, which you pay directly to us when we fit the new screen. Your policy schedule will confirm the exact figure.
How do I make an insurance claim for my windscreen?
The easiest way is to call AWG Windscreens on 0800 318 711. We handle the entire claim for you — we contact your insurer, obtain authorisation, schedule the repair or replacement, and settle the invoice with the insurer. All you do is confirm your policy details and pay the excess (if any) on the day. You do not need to call your insurer first.
Which insurers do you work with?
We work with all major UK motor insurers including Admiral, Aviva, AXA, Churchill, Direct Line, Hastings Direct, LV=, NFU Mutual, RSA, Sainsbury's Bank, Saga, Tesco, and many more. If your insurer is not listed, we almost certainly still work with them — call us with your policy details and we will confirm.
What information do I need to make a claim?
We need your name and address, your vehicle registration, your insurance policy number, and the name of your insurer. A brief description of the damage helps us quote accurately. If you have the policy schedule to hand it speeds things up, but it is not essential — we can confirm your cover directly with the insurer.
How long does an insurance claim take to process?
Most claims are authorised by the insurer within minutes while you are on the phone with us. For straightforward chip repairs and standard windscreen replacements we can often schedule the work the same day or next day. Specialist glass or complex vehicles may take 24 to 48 hours to source.
Is chip repair really free on insurance?
Yes, in the vast majority of cases. Almost every comprehensive UK motor policy covers chip repair with no excess and no impact on your no-claims bonus. Insurers encourage chip repair because it is much cheaper for them than paying for a full replacement later. Call 0800 318 711 and we will confirm your cover before any work is carried out.
Can you claim on a commercial or fleet vehicle insurance policy?
Yes. Commercial and fleet motor policies typically include the same windscreen cover as private policies. We are familiar with the authorisation processes for all major fleet and commercial insurers and can handle the claim directly on your behalf. For businesses running multiple vehicles, we also offer fleet accounts with consolidated invoicing.
