Posts Tagged ‘cracked windscreen’

Is it better to repair or replace a damaged windscreen?

Written on May 14th, 2010 by admin
Categories: Car Insurance Advice, Car Insurance Claims, Car Repairs, Road Safety

repair-or-replace-damaged-windscreenEvery road user knows the terrible experience of an object crashing into the windscreen. Sometimes this might result in significant damage caused by a bird or sizable stone, and sometimes it might be merely an irritating little crack on the windscreen.

We then have to ask the question – is it better to repair or to replace the windscreen – and should this be done sooner or later?

On the Arrive Alive website we have emphasized the importance of windscreen safety in a section titled “Road Safety and Your Windscreen”.

I would like to quote from this section:
“Modern cars fitted with airbags use the windscreen as a support surface against which the passenger airbag inflates. The windscreen helps ensure that the airbag is properly positioned to protect the occupants when it deploys. A badly fitted windscreen may pop out when subjected to the airbag pressure, thus rendering both airbag and windscreen useless.

While windscreen repair is less expensive than replacement, if you wait too long, and the damage has time to spread, windscreen repair will no longer be an option. Remember that just because a windscreen is chipped doesn’t mean that it needs to be totally replaced. Thirty percent of the time a windscreen can be easily and effectively repaired before the damage worsens. The important thing is that, once a motorist notices a chip or a crack, it must be repaired as soon as possible, to prevent further damage that might impair visibility.”

The above quoted information confirms that not all damaged windscreens need to be replaced – they can often be repaired. This should however only be considered when performed by an expert in the field of windscreen repair – so as not to present additional safety concerns!

Will car insurance cover the cost of repairing or replacing my windscreen?

Assuming that you are covered for glass damage, your car insurance policy will cover the repair or replacement of your windscreen. You will however be liable to pay an excess amount if the windscreen is replaced, probably in the region of R500. Most car insurance companies will repair your windscreen for free if it is repairable.

How to decide whether to repair or replace a windscreen? How Does Windscreen Repair Work?

We have decided to share information provided by Glasfit, a leader in the repair of windscreens. Glasfit uses a technology that forces the air out of the glass blemish. It is then replaced it with a special resin that matches your windscreen’s strength, tint and light refraction.

The most significant factor to decide this question is the location of the damage. Glasfit has divided the windscreen into 2 Zones:
Zone A:
This is the most critical zone for the driver’s line of vision. No matter how small the damage, for your safety, NO repairs are permitted in this area
Zone B:
Damage in this zone can be repaired if:

  • Cracks do not exceed 150mm in length; extend through more than the outer layer of glass or run from the edge of the windscreen
  • Chip damage does not exceed 25mm in diameter and crater damage is under 5mm in diameter

How many times has your windscreen been repaired?

If your windscreen has been previously repaired eight or more times, NO further repairs are permitted
We would like to urge all vehicle owners to pay close attention to their windscreens – A repaired windscreen will save money – and possibly save your life!

windscreen-damage-zones

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Does car insurance cover windscreen damage?

Written on March 8th, 2010 by admin
Categories: Car Insurance Advice

Does-car-insurance-cover-windscreen-damageDamage to the windscreen is most annoying! We all know that feeling when a stone is reflected onto the windscreen and that little crack starts obscuring the view between us and the road! With our roads having deteriorated this becomes even more of a risk – a risk to be addressed by repair or replacement of the windscreen.

Technology and new product development have provided solutions to strengthen the windscreen – but what if it is damaged beyond repair? Will car insurance cover your damaged windscreen?

As a general rule car insurance will normally cover windscreen damage on a comprehensive policy if the damage was sustained during the covered period and all terms and conditions were complied with!

It is important to share with our visitors’ advice on the more important question – Does YOUR car insurance cover windscreen damage to YOUR car?

It remains the most important advice to focus on the terms and conditions of your car insurance policy! There might be reasons why and circumstances under which your car insurance policy will not cover the damage:

  • If you failed to pay all the car insurance premiums
  • If you failed to take the vehicle for the inspection as prescribed
  • If you have not used an approved windscreen replacement agent

The question is however not as simple as merely enquiring about payment or non –payment. You will need to establish whether the full replacement costs will be covered and whether this will have an effect on your excess…Will the replacements have an effect on your no claims bonus?

Car insurance policies in most cases do not pay excess unless the glass is repaired by approved agents. They might also exclude full cover and payment of excess for glass forming part of sunroofs or special glass or windscreens found on expensive imported vehicles.

What can the vehicle owner do to prevent financial harm in the event of windscreen damage?
Best advice is to consult your insurer or broker and request confirmation that your car insurance covers windscreen damage, what the effect might be on your excess and whether this will negatively impact a potential no-claims bonus.

If you are not covered adequately you might consider scratch and dent insurance as an alternative to normal car insurance to help you save thousands in paying unnecessary excesses to your insurance company.

Always communicate with your insurer and rather stay informed to avoid nasty little surprises later on at the time of claims process.

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