Windscreen coverage in the Philippines explained: Inclusions, exclusions, and why it matters

Getting a car insured in itself is a pretty overwhelming task, and on top of that, part-specific coverage is a whole other discussion. Today, we’ll be shedding light on one such coverage, i.e., windscreen protection. If you are a car owner, you must be aware that a windscreen can get damaged even by the smallest stone hitting it at speed. The entire situation is very stressful, demanding attention, and leads to expenses. 

In this article, we’ll be discussing everything about windscreen coverage - from its inclusions, exclusions, claim process, and why it matters in the first place. If you are a car owner looking for insurance or renewal, make the wise choice by adding windscreen coverage to your plan.

So, let’s get started… 

Windscreen coverage: Understanding the basics

What is windshield coverage? 

Windscreen coverage in the Philippines is usually offered as part of comprehensive policy, however, it is advised to confirm with your insurance providers. It is designed to protect your beloved car’s front, rear, and side glasses (in some cases) from accidental damage.

What does it cover? It will cover the cost of repairs and replacements when your windshield is chipped, cracked, or damaged by everyday driving hazards. Some providers may also include sunroof and tinted glasses. 

Why do you need windshield coverage? A Filipino car owner living in Metro Manila or any major province knows that their car is exposed to rough road conditions, unpredictable weather, flying debris, and sudden braking. All this leads to car damage and out-of-pocket expenses. If you want coverage from this financial liability, then protection is required.

Scope of windshield coverage - Inclusions & Exclusions

Let us first talk about the inclusions -

• Complete replacement of front, rear, and side glasses: If repair isn’t possible and replacement is the only option, your insurer will cover the cost of the new unit, depending on the coverage limit.
• Chips, cracks, and repair service: Most insurance providers cover professional repairs for cracked or chipped windshields to prevent further damage.
• Accidental damage to the windshield: If your windshield is damaged by falling objects, a minor collision, or a loose stone, the insurer will cover the damage.
• Coverage for installation & labour costs: A policyholder isn’t required to shoulder installation or technician fees that are part of the windshield repair cost.

Moving on to the policy exclusions -

• Pre-existing windshield damage: Insurance providers do not cover issues that weren’t declared before the policy was issued.
• Damage due to wear and tear: Scratches, discolouration, and haze are not covered under windscreen coverage.
• Late reporting and non-disclosure issues: If you fail to report the damage within the required timeframe, your claim is likely to be denied.
• Windshield breakage caused by negligence or illegal acts: Damage resulting from acts such as drinking & driving, unauthorised modification, or intentional damage is not covered by the provider.

Importance of windshield coverage

If you are still confused about getting windshield coverage, here are the top benefits -

1. Peace of mind: Knowing that your car is fully covered gives drivers a sense of security. Especially during typhoons or flood seasons, when debris, falling branches, and flying objects usually damage the windshield.
2. Coverage against high repair & replacement costs: Whether front, rear, or side glasses, replacement is a costly affair. This coverage will cover your liabilities. 
3. Prevents poor road conditions & driving risks: Heavy traffic, poor road conditions, etc., are familiar sights that increase the likelihood of windshield incidents. 

Cost of windshield coverage in the Philippines

First, let us discuss the factors that influence insurance costs in the Philippines. The list includes - car type, model & make, driving habits, claim history, and coverage. And when you include windshield coverage, the glass size matters too.

The windscreen coverage typically costs 15% of the insured value of the windscreen. For example, if the windscreen is worth PHP 1000, the coverage would cost PHP 150.

Filing a windshield coverage claim

Here is a step-by-step guide to filing a windshield coverage claim in the Philippines -

Step 1: Check everyone's well-being and call for medical assistance if the damage happened due to an accident. If it was a non-accident incident (like a stone hit or fallen object), simply inspect the damage and take clear photos and videos.

Step 2: Notify the insurance provider as soon as possible and ask about the requirements for windshield claim.  

Step 3: Contact local authorities and secure a police report, if the damage occurred due to an accident. However, for non-accident-related damage, you can directly proceed to your insurer’s accredited repair shop for assessment.

Step 4: Gather required documents. 

Step 5: Duly complete the claim form and submit it along with the necessary documents like policy report, photos, valid ID, driver’s license, and vehicle’s OR/CR.

Step 6: Cooperate with the adjuster and give all necessary information; remember to be truthful, as false information can deny your claim

Step 7: Wait for claim approval 

Common mistakes to avoid when filing a claim

• Late reporting to the provider
• Tampering with the glass
• Unauthorised repairs 

Tips to prevent windscreen damage

• Use a protective film to help resist cracks.
• Regular maintenance will help you fix small chips and cracks immediately at a low cost, without filing a claim.
• Practice defensive driving and park the vehicle in a safe spot, especially near construction sites.

How to choose a windshield insurance provider

Step 1: Make sure to inquire about the following issues when choosing a provider 

• Coverage limits
• Approved glass shops
• Deductible amount

Step 2: Compare quotes & add-ons

It is essential to compare providers based on premium, coverage, and customer support. Make sure the price fits your budget.

Step 3: Evaluate claim process

Make sure to go with an insurer that is well-established, IC-certified, and has a high claim approval rate.

Bottom line

It is essential to understand windshield coverage - its inclusion, exclusion, and claim process. Why? You see, this coverage is more than just a protection plan; it is a wise investment for a car owner. With rising repair costs, unpredictable weather and road conditions, this coverage ensures you have a stress-free driving experience. In short, windshield coverage ensures safety and saves in the long run.

So, next time you renew your policy, make sure to review the policy thoroughly (including exclusions and inclusions) and see how you can maximise your protection plan. Make sure to consider windshield coverage, in case you suspect damage in the future. 

Also read: Don’t buy insurance without knowing these 10 key facts