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 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.
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 mandatory third-party insurance coverage, even the best car insurer will not provide coverage for damages caused to your own vehicle.
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.
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 the part of the claim amount policyholder agrees to pay during claim settlement and share 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 only the remaining claim amount to you.
However, at Policybazaar.com, you can avail the benefit of ‘Windshield Claims at Home’.
Read More: What Does Car Insurance Cover?
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 and will charge only Rs 350 as a labour fee. Moreover, this single damage will not be considered a claim, hence, it will not affect your NCB.
Any damage due to the following events or situations will not be covered under this-
Of course, your car windshield is designed specifically in such a manner that it does not shatter away if an event of an accident takes place. However, to maintain & protect it from several unforeseen instances, here is a list of tips you can follow-
Read More: Types of Car Insurance Coverage Explained
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 and keep your NCB intact even if you raise a claim.
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