Car windscreens are at increased risk over the winter period. The reason for this is because they are more prone to cracking as there are dramatic changes in temperature.
This could lead to costly repairs if they crack, chip or get damaged.
Analysis of different car insurers reveals that repairing chips, cracks, and damage varies greatly between different firms.
Defaqto analysed 323 comprehensive motor insurance products available on the market and found that nearly all (312) include windscreen cover as standard.
Despite this, there are a number of insurers that do not cover windscreen damage and motorists could be stung with repair charges and excess cost.
Over half (59 per cent) do not apply an excess claim, 16 per cent apply an excess of less than £15 and nine per cent apply an excess of £15-£24.
Some policies are charge £50 for a repair but this could rise to as much as £150 towards a windscreen replacement.
Just one per cent of insurers charged drivers £50 or more.
A further 52 per cent are applying an excess between £75 – £99. Those with Third Party, Fire and Theft (TPFT) policies may not have cover at all, with 83 per cent not including cover.
One of the larger errors motorists could make is by using a ‘no-approved’ repairer to replace tour windscreen.
If you use a non-approved retailer, the excess could be as much as £300, claims Defaqto.
Mike Powell, Insight Consultant at Defaqto, comments: “A small chip can turn into a nasty crack or even break your windscreen beyond repair if left.
“If you get a chip, you need to act fast to prevent the damage getting worse.
“Most insurers are happy to help you get your windscreen repaired to avoid the greater cost of having to replace it down the line.
“Check your policy to see what excess you may be liable for as this can be a nasty shock in some cases.
“Whatever happens, never pour boiling water on an icy windscreen as this can shatter it.”
Daily Express :: Cars Feed