Guide
Do I have to pay an excess for a windscreen claim?
It depends on your policy. Some insurers charge your normal excess, some have a separate windscreen excess, and some waive it for chip repairs.
By the Rapid Response Autoglass team · Updated
The short answer
Check your policy schedule for a windscreen or glass excess. Many comprehensive policies charge an excess for a replacement but reduce or waive it for a chip repair. If the job costs close to your excess, paying directly may be simpler.
What to check in your policy
- Whether you have glass or windscreen cover (sometimes an add-on).
- The excess for a windscreen replacement.
- Whether chip repairs have a reduced or no excess.
- Whether a glass claim affects your no-claim bonus.
Claim or pay directly?
Ask us for a quote first. If the cost is close to your excess, paying directly saves paperwork. See what affects windscreen replacement cost.
Topic guide
Everything about insurance, cost and the law
Frequently asked questions
Is there an excess for a chip repair?
Many insurers reduce or waive the excess for chip repairs, but it depends on your policy.
Who do I pay the excess to?
Usually to the repairer on the day, unless your insurer tells you otherwise.
Can I claim my windscreen on insurance?
Many comprehensive policies include glass cover, sometimes with a reduced or waived excess. Check with your insurer first, then let us know your insurer and claim number when you book. See our insurance guide.
Related pages
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