Windscreen Cover in Car Insurance UAE
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The windshield of a car is one of the most vulnerable and yet essential parts of any vehicle. The smallest crack which can be caused by any hard object, no matter how small, can affect visibility or worse grow into a bigger one that ends up breaking the windshield.
All of this is why windscreen cover insurance is such a popular add-on even for those who buy third party liability insurance. In this article we are going to delve deep into the topic of windscreen insurance, talking about what it actually covers and why you might need it.
What is Windscreen Cover Insurance?
Windshields are the most exposed part of your vehicle and since they are made of glass, they can break very easily. The impact of the tiniest bit of gravel at high speed can cause a great deal of damage to your windscreen.
In comprehensive car insurance windscreen cover is almost always included, but if you have a third-party liability policy, you will need to buy this option as an add-on to be able to claim compensation in case anything happens to the windshield of your car. With this coverage, the cost of repair or replacement of your windscreen will be covered by your insurance provider.
Why Choose Lookinsure for Windscreen Cover Insurance?
Here are a few reasons why choosing Lookinsure for purchasing windscreen coverage for your vehicle might be your best bet:
Pay in 4 Installments
As useful as car insurance windscreen cover (add-on) can be, it can also be a bit expensive for some people which is why we have added the option of paying in installments to help our customers get the best without having to put themselves under unnecessary financial pressure. In order to avail yourself of this option all you need to do is choose Tabby or Tamara as your method of payment.
Easy Claims Process
Filing claims directly with the insurance company can be a big hassle because they have learned to be very careful at handling claims due to the high possibility of insurance fraud. Although you might not have the time or patience to put up with the often time-consuming and frustrating process of filing a car windshield insurance claim, we certainly do. You just have to provide us with the necessary documents and we will take care of the rest.
24/7 Customer Support
If you have a question or are suddenly overcome by any minor concern at any time of day you can rest assured that if you pick up the phone and call our customer service, there is going to be someone on the other side of the line with an answer to your question and a solution to your concern.
Affordable Plans
Our online comparison service with which you can have access to a whole list of quotes from some of the best insurance companies in the UAE makes it possible to find and purchase the most affordable plan you can find out there. All you need to do is go to our website and click on “Instant Quotes”.
Benefits of Windscreen Cover Insurance
Having windscreen cover insurance comes in quite handy considering how vulnerable cars’ windshields are. After all, it is not for nothing that it is offered as a separate add-on. Here are a few of the benefits of having auto glass insurance coverage:
Cost-effectiveness
Considering the relief car insurance windscreen cover (add-on) offers vehicle owners, its cost is relatively low.
Saves NCB
NCB or no claim bonus is a friend of any driver which can save them up to 50 percent on their premium and that’s why those who have it like to keep it. With many insurance providers, filing a windscreen cover insurance claim when one has paid for the option as an add-on has no impact on the driver’s NCB.
Peace of Mind
Having this add-on is not going to prevent your windshield from damage, but knowing that you won’t have to pay any money in case your windshield is damaged or god forbid broken no matter where you are can offer you peace of mind, ensuring you won’t worry about such mundane stuff when enjoying a family vacation.
Why You Need Windscreen Cover Insurance
The main reason anyone would need windscreen cover insurance is the sheer importance of windshields. If you hit a curb with your car and scratch your bumper or are in an accident in which one of your doors gets dented or your headlight breaks you can always ignore the damage and postpone the repair to a better time when you are not busy or can afford it. But the same doesn’t apply to your windscreen.
Damages to the windscreen not only can affect visibility or worsen over time, but they can constitute a violation which can bring about a fine that can be avoided if you have this coverage which enables you to have your windows fixed the moment they are damaged.
What Does Windscreen Cover Insurance Include?
Now let's talk about what car insurance windscreen cover (add-on) includes:
Cracks and Chips
Minor damages such as cracks and chips that can be caused by hard objects such as gravel or rocks and which can make it difficult for you to see the road are covered by this add-on. Whether the damages can be stopped by a quick fix or if the whole windshield must be replaced, windscreen insurance has you covered.
Full Replacement
As we mentioned above, if the damages to your windscreen render it beyond repair, the cost of replacement is covered by insurance.
Additional Glass Components
Buy Car insurance windscreen cover (add-on) with some providers extends to other windows of your car as well. So if any other glass component of your car is damaged or broken, your insurance may cover the costs.
Exclusions and Limitations of Windscreen Cover
Even though windscreen cover insurance is a useful add-on, it comes with certain restrictions you should know about:
- General wear and tear: Minor scratches, fading, or small surface marks are not covered.
- Pre-existing damage: If the windscreen was already cracked or chipped before the policy started, claims will likely be rejected.
- Negligence: Driving with visible cracks or ignoring early signs of damage can void your windscreen insurance claim.
- Non-covered glass parts: Most policies cover only the front windscreen. Side windows, rear glass, or sunroofs are excluded unless stated otherwise.
- Limited claim frequency: Some insurers restrict how many times you can claim under car insurance windscreen cover within a policy year.
- Claim amount limits: There may be a maximum coverage amount, especially for high-end vehicles or windscreens with advanced sensors.
Always check your windscreen replacement insurance policy wording to understand exactly what’s included and what isn’t.
How to Get Affordable Windscreen Cover as an Add-On
Adding windscreen replacement insurance to your car policy is usually quick and inexpensive. Most insurers in the UAE offer it as an optional add-on that you can include when buying or renewing your policy. To get the best deal, compare quotes from different providers, some may already include partial car insurance windscreen cover within comprehensive plans, while others sell it separately.
To save more, consider choosing a higher deductible or bundling your windscreen insurance with other add-ons like roadside assistance or flood cover. Insurers often give better rates to customers who combine multiple protections under one policy.
Costs and Premium Impact of Windscreen Cover in UAE
The cost of windscreen cover insurance in the UAE depends on factors such as your car’s make, model, and the type of glass it uses. Luxury vehicles with advanced sensors or heating elements in the windscreen generally have higher replacement costs, which can slightly increase the premium.
That said, this add-on remains affordable for most drivers. The increase in premium is usually minor compared to the potential cost of replacing an entire windscreen, especially if your car uses genuine or manufacturer-approved glass. In short, windscreen replacement insurance offers excellent value for money and peace of mind.
How to Add Windscreen Cover to Your Policy via Lookinsure
Adding windscreen cover insurance through Lookinsure is simple. Follow these steps:
- Visit Lookinsure and start a new car insurance quote.
- Select your base policy (comprehensive or other plan that allows add-ons).
- Choose windscreen cover as an add-on option — this includes car insurance windscreen cover or windscreen replacement insurance.
- Compare quotes to see the premium impact of adding windscreen protection.
- Finalize your policy and complete payment online.
- For existing policies, contact your insurer via Lookinsure to add windscreen insurance mid-term or at renewal.
- Receive confirmation that your windscreen cover is active and check your policy documents for coverage details.
This process ensures your car is protected against windscreen damage without any hassle.
How to Make a Windscreen Insurance Claim Step-by-Step Guide
If you have been in an accident or your windscreen is damaged for any reason and now you are trying to find out how to file a car windshield insurance claim, this is how to do it:
Assess the Damage
First of all, you need to assess the damages. Of course, if you have been in an accident the first step is to file a police report as it is one of the crucial documents for filing a claim. If however the damages have been caused by anything other than an accident, you can just take some pictures to submit as proof of damage.
Contact Lookinsure
The next step is to contact your insurance agent at Lookinsure through the available channels and tell them your insurance policy number. They will guide you along the way and tell you everything you will need to do.
Provide Details
You will need to provide your insurance agent with the necessary documents such as pictures of the damages which they will then submit to your insurance provider.
Get Repairs or Replacement
After everything is submitted you will have to wait until your claim is processed after which you will receive a call assigning you to a repair shop where you can get your window fixed or replaced.
Windscreen cover insurance is an essential add-on for any vehicle owner, offering protection against the high costs of repairing or replacing damaged windshields and other glass components. Whether it's minor chips or a complete replacement, this coverage ensures you can address the issue promptly without financial stress.
Lookinsure stands out as a trusted partner, providing affordable plans, flexible payment options, and hassle-free claims processes to make your insurance experience an enjoyable one. By investing in windscreen cover insurance, you not only safeguard one of the most critical parts of your car but also enjoy peace of mind on the road.