Whether it's the result of an accident or vandalism, a smashed window needs urgent attention! If you're facing this situation, don't worry, we're here to guide you through the next steps. Keep reading to learn what to do, and whether your insurance can lend a helping hand.
Does my car insurance cover a smashed car window?
It depends on the conditions of your car insurance policy.
Comprehensive car insurance often covers glass damage, but others might offer it as an optional extra for a cost. If you have third-party car insurance, it won't cover damage to your own car, including windows—it only covers damage to other people's vehicles.
Check your policy or contact your provider to see if you're covered in this situation!
How do I claim for a broken car window?
Making a claim on your car insurance for a smashed car window is usually straightforward. Most car insurance providers have a helpline you can call as soon as you notice the damage. The process may vary depending on your insurer, so it's a good idea to review your policy for specific instructions.
Oh, and just a head's up—there's likely a timeframe for how long you're able to make a claim. So, it's best to inform your insurer as soon as possible. You'll find this information in the fine print of your policy.
Does a claim for a broken car window affect my no-claims discount?
Chances are, it won't!
Most insurers won't change your no-claims discount if you make a claim for a smashed window. But, this isn't a guarantee for all insurance providers, so check your policy details to be certain. Also, keep in mind that making a claim could increase the cost of your car insurance in the future.
What happens if my windscreen is smashed?
If your windscreen is smashed or even cracked, it's important to get it fixed ASAP.
A car with a broken windscreen isn't roadworthy. In fact, it can be seen as an offence, which means you could get points on your licence if you're caught driving with one. Or, have it taken off you entirely! The same applies for smaller glass damage, like if your windscreen is chipped. These can spread quickly, so don't put off a repair.
It's worth checking your car insurance to see if your policy includes windscreen cover. Most comprehensive policies typically offer this, so the cost of repairing or replacing a windscreen is usually covered. But, other policies like third-party, fire and theft are less likely to offer this as standard. So, it's worth double-check your policy details. You should also think about the amount of voluntary excess you've agreed to pay in the event of a claim.
How much does it cost to replace a car window?
It depends on a few things.
Like we've mentioned, if your insurer is covering the replacement, the amount you'll pay mainly depends on your level of cover and your excess.
If you're paying for it out of your own money, the cost depends on what kind of car your drive and where you live.
If you're on the fence about whether it's worth making a claim or not, think about how much it might cost first. For example, if a small chip costs around £50 to repair, it might not be worth the claim if your excess is set at, say, £250. On the other hand, if you need to replace the window entirely, a claim could be well worth it.
Top tip: If you do decide to repair it out-of-pocket, shop around different garages to find the best deal. You can use our garages tool for this.
What does an extended car warranty cover?
Again, check the small print. Some car warranties exclude high-mileage cars or specific repairs.
Is it illegal to drive a car with a broken window?
Yes, driving with a smashed window can be a motoring offence. The Highway Code requires clear visibility from your windscreen, side and rear windows to drive safely. A temporary fix, like a plastic bag, won't cut it! Get your window fixed as soon as possible to avoid penalties and ensure you're driving safely.
cookie usage