Windscreen damage to a company car: repair and coverage explained

Chip repair versus windscreen replacement

Not all windscreen damage requires a complete new windscreen. A small chip (smaller than a 2-euro coin) can usually be easily repaired with a special resin. If the damage is larger or the crack is directly in the driver's field of vision, the windscreen must be completely replaced for safety reasons.

How is windscreen damage insured?

Windscreen damage is covered by a limited comprehensive (third-party, fire, and theft) or fully comprehensive (all-risk) car insurance policy. With a basic Third-Party Liability (WA) insurance, windscreen damage is not covered, and the costs are entirely at your own expense.

When comparing car insurance policies, always check which repair shops you can visit. Insurers often work with a network of affiliated windscreen specialists where you can get help without an upfront payment.

• Third-Party Liability (WA): no coverage for windscreen damage
• Limited comprehensive: coverage for repair and replacement
• Fully comprehensive: full coverage while retaining no-claims discount

Impact on no-claims discount and excess

Claiming windscreen damage usually does not affect your accumulated no-claims discount and no-claim bonus with most insurers. For a resin repair, there is usually no excess. For a windscreen replacement, a limited excess may apply, depending on the policy terms and conditions.

What to do in case of windscreen damage to your leased car?

After reporting the damage, the leasing company or insurer will determine whether it involves a chip repair or a full windscreen replacement. For minor damage, a repair may suffice, which is often quicker and more economical. For larger cracks or fractures, replacement is unavoidable. Ensure that the repairer uses high-quality materials and correctly calibrates any Advanced Driver-Assistance Systems (ADAS), if the windscreen plays a role in their function. This is crucial for the safety and functionality of the vehicle.

Are preventive measures possible to prevent windscreen damage?

Regularly checking the windscreen for small pits or cracks is also advisable. Minor damage can quickly develop into larger cracks due to temperature differences or shocks. By having these repaired in time, you prevent worse damage and potentially save on an expensive windscreen replacement. Some insurers and leasing companies even offer special coatings or films that can provide extra protection for the windscreen against minor damage, although this is not standard for all contracts.

Frequently asked questions