Windscreen Cover

Cost £31.50

How it works

Unless specifically arranged, neither third party fire and theft nor third party only policies provide cover for windscreen or window glass breakage. The average cost of a repair for a 4-door family saloon ranges between £100 – £150 for a replacement windscreen.

This policy guarantees assistance for windscreen and window glass breakage. It authorises insurer-approved replacement or repair where possible without any cost to you, and provides cover should your vehicle fail an MOT due to a windscreen replacement being required.

The cover

This policy is primarily designed for third party fire and theft or third party only motor insurance policies and provides a limited amount of insurance for replacement windscreen and glass.

The main aspects of the policy include:

  • Policy limit and excess
    There is an cumulative policy limit of £300 during the 12 month policy period. There is £60 excess on windscreen and glass repairs.
  • Damage
    The policy covers breakage of windows or windscreen glass, includes damage to the windscreen if the damage will cause the vehicle to fail an MOT.
  • A 14-day cooling-off period
    During this time you may cancel the policy without incurring a penalty. There is a £15 administrative charge if the policy is cancelled after 14 days.

Main conditions

  • Claims must be reported to the 24 hour helpline.
  • The specified vehicle must be registered and owned by you.
  • Repairs and replacements must be carried out by the nominated supplier.
  • The policy will only pay £100 if a non-approved supplier is used.
  • You will need to produce the policy, schedule, proof of identify and the vehicle registration document when making a claim.

Significant exclusions and limitations

  • The premium is not refundable after the 14-day cooling-off period. This is subject to a time-on-risk charge.
  • Only £100 will be paid out if a non-approved supplier is used.
  • There is a 28 day activation period if this policy is not taken out at the same time as the primary insurance policy.
  • Damage likely to result in a claim must be reported as soon as possible.
  • Claims reported more than 30 days after the expiry of the insurance will not be considered, regardless of the date on which the damage occurred.
  • The policy will not pay more than £300 in any one period of insurance.
  • Cover only applies whilst travelling within England, Wales or Scotland.

Service

Markerstudy deliver the service.

Instalment options available. Typically £3.07 per month (over 12 instalments including £5.84 interest, total payable £36.84)

Typical premium example given includes Insurance Premium Tax (IPT) at the current prevailing rate.

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