Car windows are one of the elements that are most taken into account when insuring a vehicle. In fact, the glass coverage is one of the most widespread in  Car Insurance . In addition, the car windows are also the elements of the vehicle that generate the most incidents. For this reason, today we want to talk about car windows and Insurance , to explain how the glass guarantee works, what situations it covers and what must be taken into account when insuring the windows of your car, van or truck.

It is important not to neglect the coverage of the windows of a car . Every year, insurers manage more than 1.4 million mishaps related to insured vehicle glass, making it one of the guarantees that registers the most parts among Truck, Car or Van Insurance.

Although it is considered an additional guarantee , the truth is that more and more insurers include it in their basic insurance offer and, today, it is one of the most contracted. Data from the latest report "We are Safe" from UNESPA reveal that 3 out of every 4 insured vehicles have glass coverage. In the case of passenger cars, trucks and vans with Insurance, about 90% of these policies include this guarantee. Let's see what it consists of.

 

Moons coverage or Car Glass Insurance has traditionally been a guarantee associated with Extended Third Party Insurance , and they were contracted as a policy to Third Parties with Moons . Today this guarantee is included in the vast majority of Auto Insurance, with the exception of the most basic Third Party Insurance .

The glass coverage in an Insurance covers the repair, placement or replacement of the main windows of the insured vehicle. That is to say:

  • Front windows or windscreen
  • Side windows or windows
  • Rear windows or rear window

Any car has other types of glass, apart from those mentioned above, and it is important to note that each company will set its own exclusions in this regard.

 

In any car, truck or van we can find more glass and mirrors that are not usually included in the glass coverage. Insurance normally does not cover glass breakage in elements such as:

  • Interior and exterior rear view mirrors.
  • Vehicle headlights.
  • Car turn signals.

However, it is important to review the glass breakage coverage and confirm that this is the case. There are some companies that already include these elements in the Moon Insurance and it should be taken into account in case we ever need to give a part.

One of the elements that may or may not be covered by the Moon Insurance is the vehicle's sunroof . And it should be taken into account when choosing the vehicle insurer because repairing the sunroof of a vehicle can be quite expensive.

There are insurers that include this element within the coverage of broken windows, as long as the sunroof is part of the standard equipment of that insured car, van or truck.

An element installed as standard assumes that the vehicle incorporates it from the factory and has not been installed by the owner after registration. If the owner wants to insure a later installed sunroof, it could do so if the policyholder declares it as an accessory, although this option is not allowed by all insurers.

 

Calling Insurance for a broken glass is a relatively frequent situation. But it is necessary to qualify some points of this coverage so as not to surprise us. Thewindowguaranteewill cover us if the windscreen, rear window or car windows have been damaged due to an accident or accident beyond the control of the driver or the insured.

     In these cases, the insurer would assume the repair or compensation for the breakage of the windows . The damage assessment would be carried out based on the cost of the replacement of the windows and their installation.

Contrary to what many policyholders believe, the company cannot impose the repair shop. The truth is that each client is free to choose where to repair the car windows. However, the vast majority of companies recommend one of their partner workshops to perform window repair.

 

There are some situations where broken car glass would not be covered by the policy. In the conditions of the contract the exclusions of the guarantee are usually detailed , although here we leave you some incidents that your Moon Insurance will not cover:

 

Those scratch marks that may occur on the surface of the car windows and that are the product of the use of the vehicle are not covered by the Insurance.

In the policy conditioning we can find nuances to the glass coverage, and that the repair of surface marks on the glass that cannot be considered breaks and do not impede normal visibility through the windows is excluded from the coverage.

It is also probable that our Insurance will refuse to cover those impact marks on the windshield, or on any other glass of the vehicle, that are produced while driving, when a small stone or similar element hits the glass. If there is no breakage that affects visibility in the car, it is considered an aesthetic defect and is usually outside the Moons Insurance.

 

As we have already mentioned, the sunroofs of the car that do not come as standard are usually excluded from the coverage. If we want the Insurance to cover it, we will have to propose to the insurer its inclusion in the policy as an accessory.

It is one of those situations in which the mediation of the Insurance broker is missed , since this figure can manage the insurance of this or other elements with the company and, if it is not possible, can offer the client alternatives to insure all car windows at the best possible price.

 

They are made of glass, but they are not covered by the Moon Insurance. The mirrors , both exterior and interior are elements that are usually excluded from most policies covering moons.

 

Having the windows covered is not incompatible with enjoying cheap Car Insurance . This coverage does not make the Insurance of a Van more expensive nor does it prevent you from contracting a Truck Insurance at a good price .

It is all a matter of choosing the right policy and comparing prices. But if what you don't have is time and you need an affordable policy with good coverage, we recommend that you try our online insurance comparer. When requesting a quote, they offer sensational offers to insure your vehicle and advise you to choose the most appropriate policy for your needs. And all this in a very short time.