on coverage for Windscreen, Sun-roof, Soft-top & other Accessories Q: What is windscreen coverage?
Basically, a comprehensive motor insurance policy would cover any part of the vehicle that is factory-fitted, including the windscreen, from accidental damage. For any claim made, the excess would apply and the NCD reduced accordingly. However, there are some parts, eg the windscreen that are more prone to breakage or accident damage. Vehicle owners want to have a coverage without affecting the NCD and paying the excess. Thus, the insurers came up with a separate coverage for windscreen and normally package this into the comprehensive policy. You may look at it as a mini-policy attached to the main policy. This covers the windscreen only. If you make a claim under this mini-policy, the main policy excess is not applicable*. The NCD is also NOT affected. Once such a claim is made, there is no more coverage for the remaining part of the main policy unless the owner pays a reinstatement premium to the insurer to have another mini-policy incepted. * most windscreen policies have NO excess
