Whether a windscreen claim is even possible comes down to what type of car insurance you hold. Comprehensive insurance almost always covers windscreen and window glass damage, since it is designed to cover damage to your own vehicle regardless of who was at fault. Understanding Windscreen ExcessMost comprehensive policies include a specific windscreen or glass excess, which is often lower than your standard claim excess. Insurers generally treat a windscreen chip repair and a full windscreen replacement differently, and this can affect both the cost and the excess you pay. A useful approach is to get an obligation-free quote for windscreen replacement in Sydney first, then compare that figure against your policy’s windscreen excess before deciding whether to lodge a claim or pay directly.