Windscreen Cover Insurance in Cyprus: A Comprehensive Guide

Navigating the world of car insurance can be complex, especially when it comes to understanding specific coverages like windscreen cover insurance.

This guide aims to demystify windscreen cover, explaining its importance, what it covers, the costs involved, and how to make a claim.

Whether you’re deciding if you need this add-on or figuring out how to use it, this comprehensive guide will provide you with all the necessary information tailored for drivers in Cyprus.

What is a Windscreen Cover?

A windscreen cover is a type of insurance that covers the cost of repairing or replacing a damaged windscreen. This coverage is crucial as even minor chips or cracks can expand and lead to more significant issues, necessitating a full replacement. Windscreen cover can be included in a comprehensive car insurance policy or purchased as an add-on or standalone policy.

Does My Car Insurance Include a Windscreen Cover?

In Cyprus, the inclusion of windscreen cover varies by insurer and policy type. Comprehensive car insurance policies are more likely to include windscreen cover as standard. However, policies that only cover third-party, fire, and theft typically do not include windscreen cover, making it necessary to purchase it separately as an add-on or standalone cover. Always review your insurance policy details to confirm whether windscreen cover is included.

Costs and Benefits of Windscreen Cover

Costs

The cost of windscreen cover in Cyprus can vary but generally ranges around €30 per year when added to an existing car insurance policy. Standalone policies might be similarly priced. Repair costs without insurance can range from €75 to €125, while full replacements can be significantly more expensive, depending on the make and model of the vehicle.

Benefits

Financial Protection: The windscreen cover protects against the unexpected costs of repairs or replacements.

Convenience: It often includes quick repair services without significant out-of-pocket expenses, aside from any applicable excess.

Peace of Mind: Knowing that minor chips or cracks can be promptly addressed without affecting your no-claims bonus or incurring high costs.

Steps to Take When You Need to Use a Windscreen Cover

Identify the Damage: As soon as you notice a chip or crack, assess the damage. Immediate repairs can prevent further damage.

Contact Your Insurer: Inform your insurance provider about the damage. Provide details such as the extent of the damage and any relevant photos.

Arrange for Repair or Replacement: Your insurer will guide you through the process, which may include visiting an approved repair shop.

Pay Any Applicable Excess: Depending on your policy, you might need to pay a small excess amount for the repair or replacement.

Does Windscreen Replacement Count as a Claim?

The impact of a windscreen replacement claim on your no-claims bonus depends on your insurer. Some insurers in Cyprus may treat windscreen claims separately, meaning they do not affect your no-claims bonus. However, it's essential to verify this with your provider as policies can vary.

Conclusion

Windscreen cover is an important aspect of car insurance that can save you time, money, and stress. In Cyprus, understanding whether this cover is included in your policy and knowing how to use it can provide significant benefits. Always check your policy details and consider adding a windscreen cover if it's not already included.

Frequently Asked Questions (FAQ)