Anyone can get a chip in their windscreen, no matter how careful a driver they are, which is why it’s useful that windscreen repair cover is usually included in comprehensive car insurance policies.
A chip can be quickly and relatively cheaply repaired, but left unattended it can quickly get worse, to the point where you may need an entire windscreen replacement - which can cost hundreds of pounds.
All Swinton comprehensive car insurance policies include windscreen repair cover as standard.
Windscreen cover is designed to protect you against having to pay for damage to your car windscreen.
It means that if your windscreen gets chipped or cracked, and needs repairing or replacing, then your insurer will cover the repair and replacement.
What causes windscreen chips?
One of the most common causes of windscreen chips is loose stones on the road that are thrown up by other vehicles, particularly heavy lorries.
By slowing down and keeping your distance from other vehicles, especially on roads where there are loose surfaces like newly-laid and re-surfaced roads, you can cut your chances of getting a windscreen chip.
If you already have comprehensive car insurance, then the chances are that you already have windscreen cover included as part of that policy. If you are unsure whether your policy includes windscreen repair cover, check your documents or contact your provider.
If you only have third party, fire and theft cover, then your policy probably won’t include windscreen repair cover, so it might be worth considering whether a higher level of insurance cover may suit your needs better.
With most insurers, windscreen repair claims do not affect your no claims bonus.
Most insurers will pay for chip repairs in full, even if there is more than one chip, though some may ask you to pay a small excess charge
If the damage is worse and your windscreen needs replacing, then you will probably have to pay an excess. How much depends on the details of your insurance policy, but it is typically around £50.
Without insurance, getting a professional to fix a chip in your windscreen can cost £60 or more.
If you fancy doing the repair yourself, windscreen repair kits are available to buy from car accessory stores, or online for around £10-15. You don’t need any special experience and it should only take around 30 minutes.
Windscreen repair kits work in a similar way to a professional repair. You apply a see-through resin to the chip which, once dry, should make the chip less noticeable and stop it spreading across the windscreen.
You should always let your insurance provider know about any incidents affecting your car but, again, most won’t end your no-claims bonus for a chipped windscreen, especially if you carry out the repair work yourself.
Will a chipped windscreen pass an MOT test?
A windscreen chip is much more than just an annoying distraction when you’re driving - it can also cause your car to fail its MOT test.
Any chips or cracks in the driver’s line of vision that are 1cm across or bigger, or up to 4cm anywhere else in the area which is covered by the wiper blades, will mean your car can fail its MOT.