How to Claim Car Window Damage through Your Insurance

How to Claim Car Window Damage through Your Insurance

A small crack in your widescreen might seem like nothing now but just wait until you hit a rough bump or another rock flies up at your car. These situations will cost you a lot of time and money, so it’s better to be safe than sorry.

When your car windscreen or side windows need replacing, call up your insurer and get the job done. In many cases, broken automotive glass will be covered under your policy, taking care of your out of pocket expenses.

Here is our guide to claiming your car window damage through your insurer.

What Insurance Do You Recommend? 

Advanced Auto Glass works in conjunction with leading car insurance companies. The insurance companies we work with include:

  • AAMI
  • Budget Direct
  • NRMA
  • Real Insurance
  • Woolworths Insurance

Each of these insurers offers comprehensive car insurance with optional extras. We recommend these companies for their great customer service and outstanding value. Before making a commitment, always be sure to explore your policy options.

Choosing Your Policy 

Even if you have comprehensive car insurance, your policy will not necessarily include windscreen repair. Always read what is included in any policy before agreeing to terms and conditions. Also, ask about optional extras when you get a quote to ensure that you’re getting the best value for money

In some cases, the costs may not even be worth going through your insurance. You might want to avoid going through insurance if:

  • The damage is minor
  • The repair cost is significantly less than your excess
  • Processing the claim will delay the repair process

How to Claim 

If you choose to proceed with an insurance claim, you need to do the following:

Take Notes 

If criminal activity is involved in your broken window, it’s important to take a range of notes. For example, if a rock was thrown at your windscreen you would have to pull over safely and:

  • Inform the police
  • Take note of where you are, the time, what happened
  • Photograph the damage
  • Gather as much information as possible before ringing your insurer. This will give them a clear understanding of what has happened and why you are making the claim.

Talk to Your Insurer 

Once you have notified the authorities and gathered information, call your insurer. Explain what has happened and be sure to have your customer reference number with you. Go through your policy and if you are covered for windscreen damage, make the claim.

Prepare for an Assessment 

Assessors are often brought in to inspect the damage and assess the claim. They will determine if the damage is significant enough to proceed. If they say yes, we will book you in at your earliest convenience. 

Book in for a Repair 

Once you are given the all clear, book in for a repair. Advanced Auto Glass offers same day repairs and we can usually have the process finished in just a few hours. We work with insurers to ensure quality work at all times.


If your car is in of need window repairs, get in touch with us today on (02) 9570 1011 for a quote.