Does a Car Insurance Policy Protect You from Windshield Damage?

Get Car Insurance starting at only ₹2,094/year #
Car Insurance
Processing

A windshield is made up of laminated glass or solid safety glass. It is a fundamental safety unit that protects the car and the occupants from various unpredictable mishaps that they might encounter on the road. However, a small accident can lead to a crack or shattering of the windshield. So, does your car insurance cover windshield damage? Let's find it out.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Car Insurance

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Email
      Mobile No.
      Secure
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Does Car Insurance Cover Windshield Damages?

      Yes, a comprehensive car insurance policy covers damages caused to a car’s windshield. Your motor insurance company will bear the cost of replacing your vehicle’s damaged windshield. This happens because comprehensive car insurance covers any loss or damages sustained by a four-wheeler due to unforeseen events along with the policyholder’s third-party accidental liabilities.

      Thus, any damages caused to your car’s front or back windshield due to an accident, natural calamities, or manmade disasters will be covered. But if you have only purchased the mandatory third-party insurance coverage, even the best car insurer will not provide coverage for damages caused to your own vehicle.

      When is Windshield Damage Covered Under Car Insurance?

      If a car's windshield gets cracked or shattered due to the following reasons, your motor insurance company will cover its repair or replacement costs.

      • When your car collides with another car or third-party property
      • If a tree or the branch of a tree falls on your car
      • When hails fall on your car during a hailstorm
      • If an animal collides with your car’s windshield
      • When rocks or heavy items, such as plant pots, coconuts fall on the windscreen
      • If a ball hits your car’s windshield
      • During acts of vandalism. For example, when someone hits your car’s windshield with a stick. In such cases, you should ideally file an FIR at your nearest police station and then file a car insurance claim with your insurer.
      • Debris or pebbles hitting the windshield while driving

      Calculate Car Insurance Quotes Online Using Car Insurance Calculator

      Deductibles Under Windshield Damage Claims

      Some 4-wheeler insurance companies charge a deductible to car owners when they raise a claim against their car’s windscreen damages. In the insurance industry, a deductible is part of the claim amount policyholder agrees to pay during claim settlement and shares the liability

      According to the terms and conditions of the policy, the policyholder has to pay a deductible, and the insurer will be legally liable to pay the remaining claim amount to you.

      Read More: What Does Car Insurance Cover?

      How to Avail Benefits of Windshield Claims at Home?

      This is a complimentary service offered by Policybazaar.com that is available under your comprehensive 4-wheeler insurance policy. As per it, if your home is at least 20 km away from the authorised network garage, they will send a car mechanic to fix the broken windshield at home.

      This service is available when you opt to get your car repaired under an insurance claim only at the partner garages offering windshield claims at home.

      Exclusions of Windshield Claims at Home Service

      Any damage due to the following events or situations will not be covered under windshield claims-

      • Any damages resulting from the manufacturing defects of your car’s windshield
      • Any depreciation suffered by the windshield of your car
      • Any damages resulting from events or perils which are not mentioned in your four wheeler insurance documents.

      Also Read: Is Nut Bolt Covered Under Car Insurance?

      Tips to Maintain and Protect Your Car’s Windshield

      Of course, your car windshield is designed specifically in such a manner that it does not shatter away if an unforeseen event or an accident takes place. However, to maintain & protect it from several unforeseen instances, here is a list of tips you can follow-

      • Always park your car in the shade as extreme temperatures can weaken the glass and lead to the windshield developing a crack.
      • Replace poor windshield wipers if they fail to push all the water away from the glass. Wipers lose their shape over time and it reduces the strength of the windscreen glass making it weak.
      • Do not slam your car door while shutting it. It sends shock waves to your car’s windscreen glass and weakens it.
      • Maintain a safe distance between your car and the vehicle moving ahead of you. This will prevent your car’s windshield from getting damaged by any heavy object falling out of the vehicle ahead of you as well as the stones flung back by it.
      • Don’t wash your car’s windshield with any harsh chemicals, as it will remove the protective coating on the windscreen glass and can also lead to discolouration. Instead, use automobile makers' approved cleaning products to wash it.

      Wrapping Up!

      A car's windshield is an important part of the motor vehicle, and driving without it can be dangerous. Thus, you should follow the tips to maintain your car’s windshield in good condition. However, damages to the windshield due to several reasons can be covered by your comprehensive car insurance plan. Also, you can avail the benefit of the additional service 'Windshield Claims at Home' offered by Policybazaar.com.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      IDV in Car Insurance

      22 Feb 2024

      In layman's terms, the IDV full form is the Insured Declared Value
      Read more
      Must-Have Car Insurance Addons for Brand New Cars

      31 Jan 2024

      Investing in a full-coverage car insurance policy is essential for
      Read more
      No Claim Bonus (NCB) in Car Insurance

      29 Jan 2024

      No Claim Bonus (NCB) is a reward given by an insurer to a
      Read more
      How to Choose the Right Car Insurance for Your First Car?

      17 Jan 2024

      Buying their first car is no less than a milestone unlocked for
      Read more
      Things To Know Before Purchasing Sedan Car Insurance

      12 Dec 2023

      The type of four-wheeler you purchase also impacts its insurance
      Read more
      Check Vehicle or Car Insurance Status/Validity Online
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your car must be
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      Find Car Insurance Details By Registration Number
      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due
      Read more

      top
      View Plans
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL