If your windscreen has recently been attacked by a rogue rock, or has been damaged in some other way – then you’ll be looking for some advice on the best insurance policies and DIY fixes. This article is a comprehensive guide that will explain whether you can fix the crack yourself, if you require professional help, and if you’re lucky enough to have an insurance plan that saves your wallet.

What to do when your windscreen is broken

It can be quite stressful when your windscreen gets cracked or broken, as you’ll probably be worrying about the cost and whether or not your insurance will cover it. The first thing to think about is whether you can simply fix the crack yourself, or temporarily patch it up until you can afford a new windscreen or an expert repair job. This will depend on the type and size of the crack, and whether you have multiple other chips in your windscreen as well.

The next step is to check your car insurance plan to see if the damage is covered, as you might be able to get away with not paying anything at all. Of course this will depend on the size of your insurance limit and your deductible, as well as what the cause of the breakage was. If windscreen damage is a common occurrence for you, then you might want to consider getting a different insurance plan that has better cover or includes a free windscreen replacement.

How to fix your car windscreen

If the damage to your windscreen is minor, such as a small crack or chip, then you can either get it professionally repaired or patch it up yourself. Fixing it yourself is a useful option if you don’t have insurance, and can’t quite afford an expert repair job at the moment. Also, fixing it yourself stops you from just leaving the crack as it is. This can be quite dangerous, as cracks can weaken your windscreen or impair your vision when driving.

DIY temporary fixes

  • Nail polish or Super Glue:

This is the ultimate, easy DIY trick. Clean the crack to ensure there isn’t any residual dirt or dust, and then paint clear nail polish or Super Glue into the hole. Allow it to set and then put some clear tape over the top to keep it clean.

  • Windscreen repair kit:

Using a repair kit is a more safe and secure DIY fix. They are easily found at Repco, Autobahn or Supercheap Auto, and use resin to fill in cracks and chips. You just have to set up the pedestal and adhesive patch, then inject the resin into the crack with a syringe. After leaving it for a couple of hours, scrape the excess resin away with a razor blade and clean the glass.

When to choose professional windscreen repair

Your safety should be the most important concern, not saving money, and so it’s essential that you employ a professional when your car windscreen is seriously damaged. You should choose an expert windscreen repair service if you have multiple cracks in your window, if they are close to the edge of the window, or when they are large, spreading cracks. If you were in a car crash and your windscreen was already weakened from previous cracks, it would be far more likely to collapse and let the roof cave in. Also, it’s illegal in Western Australia to have a crack that is impairing your vision while driving.

Does your car insurance cover a broken windscreen?

Like with any insurance matter, it depends on what caused your windscreen to break, and whether your plan covers it.

There are three main types of car insurance:

  • Liability – covers you if you damage someone else’s car
  • Comprehensive – covers you if your vehicle is stolen or damaged by something other than a collision
  • Collision – covers you if your car is damaged in a collision

Most people have liability insurance, and then the other types are usually optional add-ons, so you’ll have to check which one you have. If you just have liability then your windscreen probably won’t be covered. Comprehensive is the best insurance option if you travel a lot and need to get your car repaired often. However, if you have a cheap car, the cost of this extra coverage might be more than your actual immediate costs when it gets damaged.

Consider the benefits of a professional

The main thing to consider when your car windscreen is damaged, is what is the safest course of action? Sometimes the best idea is to employ a qualified professional, from a reputable auto glass company, to come and repair your vehicle. That way you know the job has been done well, and your car is going to be safe and reliable.