small windscreen crack - will insurance cover it?
small windscreen crack - will insurance cover it?
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Discussion

ingenieur

Original Poster:

4,653 posts

210 months

Wednesday 22nd January 2025
quotequote all
My windscreen has cracked, just a small crack near the top of the screen. Before I go to the trouble of calling my insurance company I was just wondering if anybody has had a bad experience trying to claim for a small crack rather than big one going right across the middle.

trails

7,215 posts

178 months

Wednesday 22nd January 2025
quotequote all
Had to replace mine recently; when I first raised the claim it was around 2inches long, I juat sent a few photos and had no issues...by the time the replacement screen arrived from Japan it was much larger though!

Edited by trails on Thursday 23 January 08:12

ingenieur

Original Poster:

4,653 posts

210 months

Wednesday 22nd January 2025
quotequote all
sounds reasonable. On my car it has already gone beyond 2 inches.

Earthdweller

19,287 posts

155 months

Wednesday 22nd January 2025
quotequote all
Had one recently, small chip, they didn't even want pics of it just referred me to the approved repairer where I was told they'd either repair or replace

I made an appointment with them, they checked the reg was covered

I thought they'd repair it, but no they just replaced it

Wasn't in swept area and wouldn't have been an MOT failure

Very simple and easy, no fuss at all

keeling54

231 posts

198 months

Wednesday 22nd January 2025
quotequote all
Our recent chipped screen repair was via an app, we called the insurance company, one of the options while on hold was windscreen repair, received a text with a link, booked the repair on line via the link.

Paid the bloke that came to fix it the £25 excess. Easy.

Mr Tidy

31,384 posts

156 months

Wednesday 22nd January 2025
quotequote all
I got a chip in my windscreen in January 2011.

But the next morning it had become a crack over 6 inches long! So I called the insurer and they instructed Autoglass who fitted a new screen. I just had to pay the excess.

Can't see any reason why it would be a problem, especially at this time of year with low overnight temperatures which was probably what caused my chip to turn into a crack.

Glassman

24,944 posts

244 months

Wednesday 22nd January 2025
quotequote all
ingenieur said:
My windscreen has cracked, just a small crack near the top of the screen. Before I go to the trouble of calling my insurance company I was just wondering if anybody has had a bad experience trying to claim for a small crack rather than big one going right across the middle.
A crack is a crack. If the damage can be contained within a £1 coin it may be repairable. Depending on the position of the damage, some breaks up to a £2 coin can be repaired.

trails

7,215 posts

178 months

Thursday 23rd January 2025
quotequote all
ingenieur said:
sounds reasonable. On my car it has already gone beyond 2 inches.
One thing you may want to consider is asking for an OE screen from the manufacturer, and rubbers depending on the age of the vehicle.

Glassman

24,944 posts

244 months

Thursday 23rd January 2025
quotequote all
trails said:
One thing you may want to consider is asking for an OE screen from the manufacturer, and rubbers depending on the age of the vehicle.
In the context of insurance and their 'approved' repairer, the policy will more than likely be restricted to what the terms and conditions are (and agreed to) before inception. This will apply especially if the insurer has an all singing and dancing TV advert.

trails

7,215 posts

178 months

Thursday 23rd January 2025
quotequote all
Glassman said:
In the context of insurance and their 'approved' repairer, the policy will more than likely be restricted to what the terms and conditions are (and agreed to) before inception. This will apply especially if the insurer has an all singing and dancing TV advert.
Only speaking from my own experience with a grey import; National Windscreen repair were happy for me to locate a Subaru dealer that would import one from Japan, they then purchased and fitted it. No additional cost for me, but plenty of leg work to find a dealer that was willing to help out.

Glassman

24,944 posts

244 months

Thursday 23rd January 2025
quotequote all
trails said:
Only speaking from my own experience with a grey import; National Windscreen repair were happy for me to locate a Subaru dealer that would import one from Japan, they then purchased and fitted it. No additional cost for me, but plenty of leg work to find a dealer that was willing to help out.
...because import.

trails

7,215 posts

178 months

Thursday 23rd January 2025
quotequote all
Glassman said:
...because import.
They had a pattern part that would have fitted, but I wanted OE.

They were very accommodating.

Glassman

24,944 posts

244 months

Thursday 23rd January 2025
quotequote all
trails said:
Glassman said:
...because import.
They had a pattern part that would have fitted, but I wanted OE.

They were very accommodating.
A good result. Happy days.

trails

7,215 posts

178 months

Thursday 23rd January 2025
quotequote all
Glassman said:
A good result. Happy days.
Can't fault National Windscreens smile