Vehicle Glass Insurance: All you need to know
Imagine you're driving along and suddenly a small stone hits your windscreen. The damage seems minimal, but as the days go by, that small crack can turn into a bigger problem. Who will take care of the repair? This is where the Vehicle Glass Insurance.
This type of cover is designed to protect one of the most exposed - and often forgotten - parts of the car: its windows. Below, we explain in simple terms what it covers, when it is useful and what you should bear in mind before taking it out.
What exactly is Vehicle Glass Insurance?
The Vehicle Glass Insurance covers damage to the windows of the car as a result of impacts, meteorological phenomena or acts of vandalism. It generally applies to:
- The windscreen.
- The rear window.
- Side windows.
- The sunroof (provided it is factory fitted).
This insurance not included in the basic third party modebut it is usually present in insurance to third parties extended and, of course, in the comprehensive insurance.
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Car glass insurance cover: What does it really include?
Many people think that this insurance only covers the windscreen, but the reality is that it covers much more. The coverage of the car glass insurance includes both the repair such as replacement of damaged glass panesprovided that the damage was not caused intentionally by the driver.
Some common examples that are covered:
- Impact of stones on the road.
- Hail or falling branches during a storm.
- Vandalism (such as a broken window).
- Sudden temperature changes that crack the glass.
In the case of minor damage (such as a crack of less than 4 cm)In most cases, the glass is repaired without the need to replace it. When the damage is more extensive or directly affects the driver's field of vision, the damaged element is completely replaced.
What about special or modern glass?
One of the most frequent doubts is whether the vehicle glass insurance also covers tinted windows or windows with integrated sensors. This is a logical question, as modern cars incorporate more and more technology in their windows.
The answer is: depends on the type of policy. Many companies include these elements within the basic coverage, but others require additional coverage.
Therefore, if your vehicle is fitted with rain sensors, cameras or tinted windows as standard, it is important to consult a specialist advisor to confirm that they will be covered.
You can contact us at this link and we will help you to review the conditions of your current insurance or find the right policy.
Is it possible to change the glass without paying an excess?
In most cases, no excess on the glass insurancewhich means that you will not have to pay anything for the repair or replacement of the glass.. In addition, this type of incident does not normally affect your no claims bonus.
However, there are some policies that do apply an excess, especially if they are not taken out through companies with authorised repair shops. In such cases, you may have to bear part of the cost.
To avoid surprises, it is best to check whether your insurance is an no excess for the windows insurance. If you have any doubts, we can help you to analyse it and advise you without obligation.
Why is it worth taking out Glass Insurance?
Although it is not mandatory, the vehicle glass insurance is highly recommended. A simple repair can prevent minor damage from becoming a major problem.
In addition, if the damage requires complete replacement, the costs can range from 300 to 500 euros. Having a specific cover allows you to:
- Fix the glass immediately.
- Avoid unforeseen outlays.
- Access to a network of trusted workshops.
- Save time and worries.
This type of insurance is designed so that, in the event of any unforeseen event, all you have to do is call and schedule the repair. Quick, convenient and hassle-free.
How to take out a Vehicle Glass Insurance policy?
Each policy has its own particularities. Some companies include it by default, others allow it to be added as additional coverage. And there are important differences between them: the type of glass covered, whether or not there is an excess, whether there are authorised workshops, etc.
It is best to speak to an advisor who can help you choose the most appropriate option for your vehicle and your usual use.
If you would like us to advise you, please contact La Web de Seguros and we will explain to you all the steps to take out the right glass insurance for your needs.
In a nutshell
The Vehicle Glass Insurance is a very useful cover that is easy to manage and can save you from major scares. Although it is not compulsory, more and more drivers consider it essential, especially if they travel frequently on the road or have vehicles with technological glass.
Frequently Asked Questions (FAQ)
What is included in car glass insurance?
Covers windscreen, windows, rear window and sunroof (if factory fitted). Protects against breakage by stones, vandalism or adverse weather conditions.
Can I change the windscreen without paying the excess?
In most cases yes, but it depends on the policy. Check if your insurance policy has no excess for glass.
Does the insurance cover tinted or sensor glass?
It will depend on the company and the type of coverage. It is important to confirm this before contracting.