Can You Claim Windscreen Replacement on Insurance?

A cracked windscreen on an Australian motorway typically raises a practical question: will insurance cover the repair or replacement, and what will it cost out of pocket? The article explains that comprehensive car insurance nearly always covers windscreen and window glass damage, including chips and cracks from road debris, collisions, and often vandalism. By contrast, third-party property insurance generally does not cover damage to your own vehicle’s glass, and third-party fire and theft usually won’t either unless the glass was broken during theft or attempted theft. It also notes windscreen excess is often lower than the standard excess, commonly between $50 and $250, and that some insurers may exclude glass claims from no-claim bonus impacts, depending on policy.