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Windscreen cover in car insurance UAE
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Windscreen cover in car insurance pays to repair or replace your car's windscreen when it is chipped, cracked or shattered. On some UAE plans it also covers side windows, rear glass and the sunroof.
In the UAE, glass cover is usually a benefit built into a comprehensive policy, with its own limit and excess rules. A few insurers sell it as an optional extension instead. A third-party policy never pays for your own glass. Limits, excess and which glass counts differ from one insurer to the next, so check the windscreen line on each plan when you compare car insurance quotes.
What is windscreen insurance?
Windscreen insurance, also called windscreen cover insurance, auto glass insurance or glass insurance for a car, is the part of a motor policy that pays for sudden, accidental damage to your vehicle's glass. It covers a quick resin repair on a small chip, and a full replacement when the damage is too large or sits in the driver's line of sight.
Most comprehensive plans set a separate glass limit. Many also waive the excess or protect your no-claims bonus when the claim is for glass only. That is what drivers mean by windscreen protection insurance: glass damage handled faster and more cheaply than a full accident claim.
Is windscreen covered by insurance in the UAE?
Yes, if you have comprehensive cover with a windscreen benefit. No, if you only have third-party cover. Comprehensive car insurance pays for damage to your own car, glass included, up to the limit in your policy.
Third-party car insurance only pays for damage you cause to other people and their property. There is one route that third-party drivers often miss: if another motorist is at fault for the damage to your windscreen, their third-party insurer pays, provided you have a police report naming them.
| Your situation | Who pays for your windscreen |
|---|---|
| Comprehensive policy with a windscreen benefit | Your insurer, up to the glass limit |
| Comprehensive policy with no separate glass benefit | Your insurer, as a standard own-damage claim with the normal excess |
| Third-party policy, damage caused by another driver | The at-fault driver's insurer, based on the police report |
| Third-party policy, stone chip or no one else at fault | You |
Neither version of the Unified Motor Vehicle Insurance Policy, issued under Insurance Authority Board Decision No. 25 of 2016 and published in the Central Bank of the UAE rulebook, has a glass-specific clause. The loss and damage policy covers glass as part of the car, and the third-party policy covers only other people's property. Windscreen limits and waivers come from each insurer's own plan terms.
Windscreen benefits on UAE comprehensive plans
Insurers word their glass benefit differently, and the differences decide how much you pay after a crack.
| Insurer and plan | Glass covered | Glass limit | Excess on glass claims |
|---|---|---|---|
| GIG Gulf Motor Perfect | Windscreens, windows and sunroof glass | AED 5,000 | None up to AED 5,000; no effect on no-claims discount |
| GIG Gulf Motor Prestige | Windscreen | Not published | Waived |
| Sukoon Comprehensive | Windscreen | Up to AED 3,000 | Not published |
| Orient Motor Plus | Windscreen | Not published | None |
| Al Wathba Comprehensive | Windscreen, "restored to new" | Not published | Not published |
| Third-party plans (e.g. GIG Gulf Third Party) | None | – | – |
We checked these benefits against each insurer's public product page or policy wording in September 2026. Terms can change at renewal, so confirm the current wording before you buy.
The GIG Gulf Motor Perfect wording is the most detailed of the group. It names every type of glass, sets an AED 5,000 limit and states that a glass claim will not touch your no-claims discount. You can review GIG Gulf car insurance, Sukoon car insurance and Orient car insurance side by side before you pick a plan.
Glass benefits vary across the market, so it pays to compare UAE car insurance providers on this one line rather than on price alone.
What windscreen cover includes
Windscreen damage insurance pays for sudden, accidental damage. It does not pay for gradual wear. Most plans with a glass benefit cover three things:
Chips and cracks
Resin repair of small chips from gravel or stones before they spread across the glass.
Full replacement
A new windscreen when the damage is too large, too deep or in the driver's line of sight.
Other glass, on some plans
Side windows, rear glass and sunroof glass, but only where the policy wording names them.
Most glass claims in the UAE start with gravel thrown up on highways, sandstorms, falling objects or hail damage during winter storms. Vandalism is another common cause, including damage in a car park.
Repair a chip early. Heat and the jump from a hot cabin to cold air-conditioning can turn a small chip into a long crack. That is why a glass check belongs on any summer car maintenance list.
Repair or replacement: will insurance cover windshield replacement?
Yes, when the glass cannot be safely repaired. Insurers normally try a repair first and approve windscreen replacement when a crack is too long, reaches the edge of the glass or sits in front of the driver.
Replacement costs more on newer cars. Many carry cameras and sensors behind the windscreen for lane-keeping and emergency braking, and these usually need recalibrating after new glass goes in. Large glass roofs, such as those on cars covered by Tesla car insurance, are also expensive to replace. Check that your glass limit is high enough for your car.
Side windows, rear windscreen and sunroof
Is the back windshield covered by insurance? Only if your policy wording says so. GIG Gulf Motor Perfect names windows and sunroof glass. The published benefit for Al Wathba car insurance refers only to the windscreen. Where glass other than the windscreen isn't listed, a broken rear or side window is usually claimed as ordinary own-damage, with the normal excess.
A smashed window in a break-in is a separate case. A comprehensive policy handles the glass as damage from theft or attempted theft. Anything taken from inside the car is covered only if you have loss of personal belongings cover.
What windscreen cover doesn't include
| Not covered | Why | What to do instead |
|---|---|---|
| Surface scratches, pitting and wiper marks | Gradual wear, not sudden damage | Polish or replace at your own cost |
| Damage that existed before the policy started | Not an insured event | Keep dated photos of your glass when cover begins |
| Extra damage from leaving a crack unrepaired | The Unified policy requires reasonable precautions to stop damage getting worse | Report and repair chips promptly |
| Glass not named in your wording | The benefit may cover the windscreen only | Claim as own-damage, or pick a plan that names all glass |
| The cost above your glass limit | Benefits are capped, e.g. AED 3,000 or AED 5,000 | Match the limit to your car's glass |
| Damage while driving under the influence, or deliberate damage | General exclusions in UAE motor policies | No alternative cover |
Body damage from the same incident follows the rest of your policy. For marks on the paintwork rather than the glass, see whether insurance covers scratches and dents.
Excess, windscreen waivers and your no-claims bonus
Whether you pay an excess on a windscreen claim depends on your plan. Orient Motor Plus charges no excess on windscreen claims. GIG Gulf Motor Perfect charges none up to AED 5,000. Plans without a glass waiver apply the normal excess.
For private cars, the Unified policy caps that excess at between AED 350 and AED 1,400 per accident, depending on the car's value. A "windscreen waiver" simply means that excess is not charged on glass claims. For more on how the numbers work, see how car insurance excess works.
Rule of thumb: if the repair quote is lower than your excess and your plan has no glass waiver, paying the garage directly is cheaper than claiming.
A glass-only claim is often treated differently from an accident claim when your renewal discount is calculated, but only some insurers put that in writing. GIG Gulf's Motor Perfect wording says a windscreen claim will not affect your no-claims discount. With any other insurer, ask before you claim, especially if you have built up several years of no-claims bonus.
Is windscreen cover worth it?
Yes, for most UAE drivers who already pay for comprehensive cover. Choose a plan with a glass benefit if you drive highways daily, park outdoors, or own a car with a camera-equipped windscreen or a large glass roof.
If you are looking for the best windscreen protection in Dubai or anywhere else in the UAE, pick a plan that combines three things: a glass limit that fits your car, no excess on glass claims and no effect on your no-claims bonus. If you are still choosing between cover levels, our guide to comprehensive vs third-party cover explains what each one leaves out.
Glass cover works best alongside the rest of your protection, so check other car insurance add-ons such as roadside help and personal accident cover at the same time.
How to get windscreen cover through Lookinsure
There is usually no separate windscreen price to compare. What you compare is the glass benefit that comes with each comprehensive plan. Start a car insurance quote and use the plan details to compare the windscreen line.
Step 1
Get quotes for your car
Enter your car and driver details to see comprehensive plans from several UAE insurers.
Step 2
Check the glass benefit
Compare the windscreen limit, excess waiver and which glass is covered on each plan.
Step 3
Buy and pay online
Choose the plan, pay online and keep your policy schedule showing the glass benefit.
To spread the cost, you can pay with Tabby or split the premium with Tamara. If you already have a policy without glass cover, ask your insurer whether the benefit can be added mid-term or only at renewal.
How to get your windscreen replaced through insurance
A glass claim is simpler than a full accident claim, but the order of steps still matters. If the glass broke in a collision, report it to the police first; our list of UAE emergency numbers covers who to call. For the wider process, see how to claim car insurance.
Step 1
Make it safe and report if needed
Stop driving if the crack blocks your view. A collision needs a police report; ask your insurer whether glass-only damage does too.
Step 2
Photograph the damage
Take clear photos of the glass, the size of the crack and your number plate.
Step 3
Notify your insurer promptly
Use the claims contact on your policy schedule and give your policy number, photos and any police report.
Step 4
Repair or replace at an approved garage
Your insurer approves the claim and directs you to a glass repairer or workshop in its network.
Insurers usually send glass work to their own network, and using another workshop can mean a lower payout. Check insurer garage lists to see where your claim is likely to go.
If the windscreen has shattered and you cannot see the road, don't drive. Roadside assistance cover can arrange a tow to the workshop. If you bought your policy through Lookinsure, our team can help you prepare the claim.
Frequently asked questions
Windscreen cover is the part of a car insurance policy that pays to repair or replace damaged glass. In the UAE it is usually a benefit inside a comprehensive plan, with its own limit, such as AED 3,000 or AED 5,000, and often with no excess. Some plans also include side windows, rear glass and the sunroof.
No. Third-party insurance only pays for damage you cause to other people's vehicles and property, so a stone chip or crack in your own windscreen is not covered. The exception is when another driver causes the damage: their third-party insurer pays for your glass, provided a police report shows they were at fault.
Only if your policy says so. Some UAE comprehensive plans, such as GIG Gulf Motor Perfect, name windows and sunroof glass in the glass benefit. Others cover the windscreen alone, and rear or side glass is then claimed as ordinary own-damage with the normal excess. Third-party policies do not cover your rear windscreen.
Not always. Some insurers state that a glass-only claim will not affect your no-claims discount. GIG Gulf's Motor Perfect wording is one example. Others may count it like any other claim at renewal. Ask your insurer before claiming, and if the repair costs less than your excess, paying directly may be cheaper.
It usually has no separate price. Windscreen cover normally comes as a benefit inside a comprehensive policy, so the cost sits in the overall premium, which depends on your car, its value and your driving history. What differs between plans is the glass limit, the excess on glass claims and which windows are included.
Yes, on a comprehensive policy. Most insurers either include a glass benefit already or offer it as an extension, and some only change benefits at renewal. If you have third-party cover, you cannot add windscreen cover on its own. You would need to move to a comprehensive plan that includes it.
Not usually. Most UAE insurers send glass claims to approved repairers in their own network, and using a garage outside it without approval can mean a higher excess or a lower payout. Check your policy wording and call your insurer before booking a repair so the work is authorised in advance.
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