Car claims

Windscreen or window damage: what to do and what to gather

Check your policy before booking, because glass cover has its own rules.

Do this first

1. Don't drive if the damage blocks your view A small chip can spread, so get it looked at soon.
2. Photograph the damage, including the whole windscreen
3. Check your windscreen excess and whether you must use the insurer's glass repairer Some insurers need approval first.
4. Contact your insurer to approve the repair or replacement

Who to tell

• Your insurer or its glass repairer: Many policies need you to claim through them before work starts.

What to gather

• Photos of the damage. Shows the size and position of the chip or crack.
• How and when it happened, if you know. Insurers ask for the cause.
• A photo of the registration plate and whole car. Confirms the vehicle.
• The repair or replacement invoice. If you've already paid and are claiming it back.

Things that catch people out

• Booking a repair before your insurer approves it can leave you paying.
• Some policies treat windscreen claims differently, with a separate excess or no effect on your no-claim bonus. Check yours.

General guidance only. It isn't your insurer's requirements or financial advice. Always check your policy documents and your insurer's instructions.