Free tool
Should You Claim or Pay? Windscreen Excess Calculator
Enter your job cost and windscreen excess to see whether claiming on insurance or paying out of pocket is cheaper for your Adelaide windscreen. This is general guidance; your insurer confirms your cover.
How to read the result
If your effective claim cost (your windscreen excess, or $0 with excess-free cover) is less than the job cost, claiming saves you money. If your excess is the same as or more than the job, paying direct avoids a claim entirely. A no-claim bonus effect is a soft consideration that does not change the raw maths but is worth weighing.
Not sure what the job costs? Start with the cost calculator, then bring the number here. For the full picture, read should I claim or pay?
Frequently asked questions
Is a windscreen claim worth it?
Usually yes, if your windscreen excess is lower than the job cost. On excess-free glass cover it costs you $0. The exception is a cheap repair where your excess is higher than the job itself.
What is windscreen excess-free cover?
Some comprehensive policies include glass cover with no excess, so a windscreen claim costs you nothing out of pocket. It is worth checking whether your policy has it.
Will claiming affect my no-claim bonus?
A windscreen or glass claim often does not affect your no-claim bonus, but this varies by insurer and policy. Confirm with your insurer before claiming.
Ready to claim on your windscreen?
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