Motorists often think about including a glass breakage guarantee in their car contract.
If a glass part of your car is damaged, then your insurance covers the repairs.
On the other hand, most of the time, this guarantee is accompanied by a glass breakage excess: an amount which remains your responsibility.
Rest assured, there are tips to avoid paying this glass breakage excess.
We'll explain!
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What is a glass breakage franchise?
When you take out car insurance, it is common to ask for glass breakage coverage.
It is also the most popular option in addition to third-party insurance.
This coverage allows you to receive compensation in the event of broken glass: broken windshield, damaged rear window, etc. However, insurers apply a broken glass excess, that is to say an amount which remains your responsibility after auto insurance reimbursement.
The cost of the franchise varies depending on the type of contract chosen and is expressed either as a percentage or as a flat rate (fixed amount).
Please note: the amount of the glass breakage excess is correlated to the nature of your repairs.
For example, you will pay more deductible for replacing a complete windshield than for a simple repair!
Find a glass breakage guarantee without excess at the best price
What are the tips for avoiding the glass breakage excess?
There are several tips to avoid paying a glass breakage excess.
The first is to choose the “zero deductible” option.
This guarantee assures you of a franchise redemption in the event of a claim.
Result: no glass breakage excess, car insurance covers all repairs.
Another possibility: subscribe to an insurer who offers a glass breakage guarantee without excess.
Here, no need to take out an optional guarantee!
Finally, you can choose to have your vehicle repaired in a partner garage.
The principle ?
Each insurer signs partnerships with garages near you.
If you take your car for repairs to one of these garages, you are exempt from the glass breakage excess.
Ask your insurer about professional partners.
Did you know ?
It is not uncommon to see insurers remove the glass breakage excess to thank their customer for their loyalty.
Likewise, “good” drivers can benefit from a commercial gesture, especially if the repair of the broken window is minimal!
So, don’t hesitate to call your insurer!
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What does glass breakage car insurance cover?
The glass breakage guarantee in car insurance covers damage caused to the glass parts of a vehicle such as the windshield, but not only.
Typically, insurers include:
front and rear windows
the rear window
side mirrors
Depending on the insurance company, coverage extends to other elements: panoramic glass roof, front lights and rear lights.
We advise you to carefully check the terms of your contract to find out which parts are covered by broken glass.
Please note that it is possible to extend your insurance to other rooms, but the cost of your insurance premium will be higher.
However, this quickly turns out to be profitable when you look at the price of repairs in the event of an impact on the glass parts.
Good to know: if you are the victim of a broken window, you have 5 working days to report the incident to your insurer.
Note that “window breakage” damage does not result in any penalty on your car insurance!
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