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 for those who buy car insurance in the UAE. 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.
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.
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
You can 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.
Frequently Asked Questions
