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How much does windscreen replacement cost in Singapore?

A clean and clear windscreen is not only for better vision when we drive, it is also crucial to provide structural integrity of your car.

Your car’s windscreen needs to be fitted correctly so that the airbags can be deployed properly in the event of a crash. Day to day, the windscreen also shields you from the elements.

Wondering if you should save on getting insurance coverage for windscreen replacement? Let’s understand more on windscreen damage to see if it is wise.

What can damage your windscreen? 

Most of the newer cars today have windscreens that are made of laminated glass — two thin sheets of glass separated by a transparent plastic sheet. When struck by an object, the windscreen will not shatter, but the point of impact will look like a star with cracks emanating from the centre.

Your windscreen can also be made of toughened glass which has been processed by controlled thermal or chemical treatments to increase its strength. This type of windscreen, usually installed in older or cheaper cars, is especially vulnerable when struck. The cracks can cause a spiderweb throughout the entire windscreen, which will immediately affect vision if you’re on the road.

The most common causes of windscreen damage are anything hard or small on the road — rocks, stones, pebbles and gravel — thrown up by other cars’ tires or rolling off the back of a dump truck. When travelling at speed, these seemingly innocuous debris become projectiles that can easily hit your windscreen and cause it to chip or crack.

When a severe collision occurs in a car accident, the windscreen can shatter as well.

How much does it cost to replace your windscreen? 

Generally, it is more economical to repair minor cracks and chips before they develop into larger cracks which may be more difficult and expensive to repair.

At a reputable repair shop in Singapore, repairs of cracks and chips can range from $40 to $60 while windscreen repair, replacements and installation services range from $150 to $280.

Windscreen replacement excess 

Many comprehensive car insurance plans cover windscreen replacement. However, there is usually an excess of $100 you have to pay. Some insurance plans (the ones with higher premiums) may waive the excess if you choose to repair or replace at their authorised workshops. Others may repair your windscreen for free if no replacements are needed.

Under most comprehensive plans, your NCD will not be affected if you claim for windscreen repair or replacement. However, some insurance plans may limit the number of claims you can make for your windscreen. So it is best not to take this for granted and to check the fine print in your policy wording document.

Name Product Accidental Damage Roadside Assistance New Car Replacement Choice of Repairer Guarantee on Repairs
Tiq Comprehensive Car Insurance
Yes
Optional
No
Yes
No
From 1st to 3rd July 2022, get 20% off and up to $200 cashback with promo code CARJUN22. Additionally, enjoy higher cost savings by opting for its 'Drive Less Save More' cashback scheme. T&Cs apply.
Refer your friends to purchase and earn up to $50 cashback.
Budget Direct Insurance Comprehensive Car  Insurance
Yes
Optional
Yes
Optional
12-months repair guarantee at authorised workshops.
Receive $20 in shopping vouchers when you refer a friend. Your friends will each get 5% off any policy they purchase. T&Cs apply.
Get an additional 5% off by using Affinity ID 'FDRSAVE'.
FWD Comprehensive Cover Car Insurance
Yes
Yes
Yes
Yes
Yes
Get 20% discount when you purchase a comprehensive plan using the promo code: FINCAR20. Ends 2 July 2022. T&Cs apply.
98.9% of Car insurance claims approved. Lifetime 50% NCD Guarantee.
Direct Asia Comprehensive Cover Car Insurance
Yes
Optional
Yes
Optional
Lifetime repair guarantee
Receive $100 worth of Shell fuel (or 3,000 Shell Escape points) plus free 24 Hour Breakdown Assistance when you insure your car. T&Cs apply. Ends 31 July 2022.
MSIG Private Motor MotorMax Plus Car Insurance
Yes
Yes
Yes
Yes
N/A
Income Drivo Premium Car Insurance
Yes
Optional
No
Yes
N/A
Get unlimited third party liability and unlimited windscreen cover. Plus, choose your preferred workshop for repairs or maintenance.
Allianz Motor Protect Comprehensive
Allianz Motor Protect Comprehensive
Yes
Yes
Yes
Optional
Lifetime warranty on repairs (If repaired at an authorised workshop).
Apply online using promo code ‘MOTOR@2220’ and receive 20% off your first year premium. T&Cs apply. Ends 30 June 2022.
RentalCover.com Rental Car Insurance
Yes
Yes
No
No
N/A
MSIG Private Motor MotorMax Car Insurance
Yes
Yes
No
No
N/A
Income Drivo Classic Car Insurance
Yes
Optional
No
No
N/A
Unlimited third party liability, up to S$5 million in damages to third party property, up to S$1,000 in medical expenses.
Tiq Third Party Fire and Theft Car Insurance
Yes
Optional
No
Optional
No
From 1st to 3rd July 2022, get 20% off and up to $200 cashback with promo code CARJUN22. Additionally, enjoy higher cost savings by opting for its 'Drive Less Save More' cashback scheme. T&Cs apply.
Refer your friends to purchase and earn up to $50 cashback.
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If you opt for a cheaper Third Party Only or Third Party Fire and Theft policy, windscreen coverage is most likely not included and you will have to purchase it as an add-on. Otherwise, if anything happens to your windscreen, you will have to pay out of pocket.

Conclusion

Your windscreen is one of the most vulnerable aspects of your car, which will more likely than not require some repair or replacing in the near future. Hence, it pays to get a comprehensive car insurance plan that lets you enjoy windscreen coverage, along with other necessary inclusions.

However, not all comprehensive car insurance plans are created equal. Before inking the deal, do read through the policy wording document to see if windscreen coverage is included, the excess you have to pay and how many claims you can make. Then, depending on your needs, you may want to upgrade to a higher tier of comprehensive car insurance plan which offers better coverage, such as unlimited windscreen claims with no excess.

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