What do I do if I have a chipped windscreen?
Key takeaways
Car insurance policies, especially comprehensive cover, often cover windscreen repair costs without affecting the no-claims bonus, though terms and excess vary
Driving with a cracked windscreen that obstructs the driver's view is illegal
Windscreen damage can result from road debris, sudden temperature changes and structural weaknesses
Does car insurance cover chipped or cracked windscreens?
Yes, car insurance, particularly a comprehensive policy, often includes windscreen cover.
You will usually need to pay an excess - a contribution towards the cost of the repair or windscreen replacement. This amount can vary by insurer so make sure you check your policy’s terms. You’ll also need to use an insurer’s approved windscreen repairer.
If you have third party only or third party fire and theft you may be able to add windscreen cover as an optional extra.
Will claiming for a chipped or cracked windscreen affect my no claims bonus?
Most insurers do not penalise you for claiming for a windscreen repair. But check your own insurance policy details to make sure as each insurer has different rules, conditions or exceptions.
Look out for exceptions that might impact your no-claims status, such as limits on claims per year or repair location requirements.
Is it illegal to drive with a cracked windscreen?
Yes, driving with a crack which obstructs your view of the road is not only unsafe but also illegal. If you are stopped by the police you could get three penalty points on your driving licence and a fine.
If you have an accident while driving with a cracked windscreen you could face more severe charges.
If you're unsure about the severity of a crack, consult a professional.
Will my car fail its MOT if it has a chipped windscreen?
Yes, depending on the size of the chip and where it is located on the car windscreen. The MOT tester has to check the condition of the windscreen and your car will fail its MOT if there is a chip more than 10mm in diameter in the driver’s line of vision. If the chip is outside this area but is more than 40mm in diameter, that could also lead to an MOT failure.
If you’ve had a windscreen chip repaired, the rules state that as long as it’s a ‘barely detectable repair, finished flush with the surrounding glass’ it won’t count as damage.
Can a chipped windscreen be repaired?
Yes, but the feasibility of repairing rather than replacing a windscreen depends on:
Small chips not in the driver's line of sight can often be repaired. If the chip is smaller than a £2 coin, it might be fixable. However, chips directly in the driver's view usually necessitate a new windscreen for safety and legal compliance.
Technological advances have introduced efficient methods to mend windscreens. Special resins injected into the chip restore the glass's structural integrity and clarity, making the damage nearly invisible.
Despite the best repair efforts, some situations still require a full windscreen replacement. This is especially true for larger cracks, those that have spread significantly, or chips at the windscreen's edge, as these can compromise the glass's structural safety.
Size and location of the chip
Repair techniques
Structural risk
How long does it take to repair a chipped windscreen?
It usually takes about 30 minutes to repair a chipped windscreen.
You don’t have to take your car to a garage, the repair can be carried out at your home or office car park with a mobile repairer.
How long does it take to replace a windscreen?
A windscreen replacement could take an hour or more. If your car is fitted with safety features known as advanced driver assistance systems (ADAS) then the cameras and sensors fitted to the windscreen will need to be realigned. You’ll hear this referred to as ADAS calibration.
What causes a cracked or chipped windscreen?
Road debris like stones and gravel
Bad weather including hailstones and storms
Sudden temperature changes
Poor installation or inherent structural weaknesses in the windscreen
How can I prevent my windscreen getting damaged?
Most of the time you can’t prevent a windscreen chip or windscreen crack. However, these tips can help:
Make sure you use an ice scraper or de-icer to clear a frozen windscreen. Never pour hot water or boiling water onto it
Replace your windscreen wipers regularly (ideally, once a year) and especially if you notice signs of damage or if they’re leaving streaks on your windscreen as worn wiper blades could cause windscreen damage
If you’re driving on a road which has recently been resurfaced make sure you obey the temporary speed limit to avoid loose chippings damaging your windscreen
Keep a sensible distance from the vehicle in front especially if you’re driving on uneven roads or gravel
Think carefully about where your car is parked, especially in stormy weather
