Windscreen damage is one of the most common types of car insurance claim, yet the cover for this damage varies significantly between policy types and providers. Understanding windscreen cover helps you ensure you have adequate protection and know what to expect when making a claim.
Windscreen Cover by Policy Type
Comprehensive Insurance
Most comprehensive car insurance policies include windscreen repair and replacement as standard. Repair of small stone chips is typically covered at zero excess, while windscreen replacement is covered subject to a reduced excess, typically 50 to 100 GBP. The exact excess amount and coverage limits vary by insurer, so always check your policy wording.
Third Party Fire and Theft
TPFT policies do not cover damage to your own vehicle, including windscreen damage. If your windscreen is cracked or shattered in an accident that is your fault, or by a stone chip, a TPFT policy will not pay out. TPFT policyholders who want windscreen protection need to purchase a separate standalone windscreen policy or upgrade to comprehensive cover.
Third Party Only
Third party only policies do not cover windscreen damage to your own vehicle under any circumstances. Third party only policies only cover damage you cause to other people's property, not damage to your own car. Related: Canada Car Insurance Tax 2026 | Car Insurance Tax India 2026 — GST & Income Tax Benefits | Car Insurance UAE 2026 | Auto Insurance Uk.
Repair vs Replacement
Stone chip repair is the preferred option wherever possible as it is cheaper, faster, and preserves the original windscreen. A mobile windscreen repair technician can typically complete a chip repair in 30 to 60 minutes at your home or workplace, and most insurers waive the excess entirely for repairs. If the chip is in the driver's line of sight or larger than 10 millimetres in diameter, replacement rather than repair may be required. Replacement involves removing the damaged windscreen and fitting a new one, typically taking two to three hours at a fitting centre.
Making a Windscreen Claim
To make a windscreen claim, contact your insurer's windscreen helpline directly. They will arrange for an approved windscreen specialist to assess the damage and either repair or replace the windscreen. Using an approved repairer from your insurer's network typically ensures the excess is correctly applied and the repair is completed to manufacturer standards. Attempting to use a non-network repairer without prior insurer approval may result in you having to pay the full cost upfront and claim reimbursement.
How Windscreen Cover Affects Premiums
A windscreen claim typically does not affect your no claims bonus with most UK insurers. However, multiple windscreen claims in a short period may be viewed unfavourably by insurers as an indicator of where you regularly park your vehicle. The cost of windscreen cover is built into comprehensive premiums and is not charged separately in most cases.
Official Resources: GOV.UK Check Vehicle Tax | GOV.UK Vehicle Tax | DVLA Online | MOT Check
Frequently Asked Questions
Q: How much is car tax (VED) in the UK 2026?
Car tax rates in the UK depend on your vehicle's CO2 emissions and list price. Standard rates start from £190 per year for petrol and diesel cars, with zero-rated VED for EVs. First-year rates vary from £0 to £2,605 depending on emissions. Additional premiums apply for vehicles over £40,000.
Q: How do I check if my car is taxed online?
You can check your vehicle's tax status for free on the Gov.uk website at gov.uk/check-vehicle-tax. You'll need your vehicle's registration number (number plate). You can also check via the Motor Insurance Database to verify road tax and insurance status simultaneously.
Q: Can I get a refund on car tax if I sell my vehicle?
Yes — if you sell or scrap your vehicle, you can claim a refund on any full months of remaining road tax. Contact DVLA with the V11 reminder letter or apply online at gov.uk. Refunds are usually processed within 4-6 weeks.
Q: Is road tax refund available when transferring ownership?
No — road tax does not transfer with the vehicle. When you sell your car, the tax is automatically cancelled and any remaining months are refunded to you by DVLA. The new owner must tax the vehicle immediately. As a buyer, always verify the vehicle's tax status before purchasing.
Q: What is the luxury car tax threshold in the UK 2026?
The additional rate for vehicles over £40,000 (list price) adds £410 per year to standard VED rates for years 2-6 of registration. This surcharge brings the annual cost for high-emission vehicles over £40,000 to around £600-690 per year. Pure EVs under £40,000 pay zero VED.