Whether your car window's been smashed in an accident or by vandalism - or your car window is broken for any other reason - it needs urgent attention. Here's what to do next and whether your insurance can help.
Key takeaways
- Safety first! Carefully clear up broken glass using gloves, a dustpan, or a vacuum for the small pieces.
- Cover the opening quickly with plastic sheeting or a proper cover. This keeps rain out and helps stop theft.
- If it's vandalism or theft, report it to the police. Get a crime reference number - you'll need it for your insurance claim.
- Comprehensive insurance usually covers broken windows; third-party-only cover does not.
- Making a claim may affect your no-claims discount. Check your policy excess before deciding whether to claim.
What should I do straight away if my car window is smashed?
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Clear broken glass carefully before driving. Wear gloves and use a dustpan or vacuum to remove smaller fragments.
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Cover the opening temporarily with heavy-duty plastic sheeting or a purpose-made window cover, taped securely to keep out rain and deter opportunistic theft.
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Report a crime to the police and get a crime reference number, as your insurer may need this when you make a claim.
What our motor insurance expert says
"Every report matters, even the small ones. A smashed window might feel minor, but if police get other reports from your street or car park, they can spot a pattern. Your report helps them act on it."
Does my car insurance cover a smashed car window?
It depends on your car insurance policy.
Comprehensive car insurance usually covers glass damage. Other policies might offer it as an add-on for an extra fee.
If you have third-party car insurance, it won't cover damage to your own car, including windows - it only covers damage to other people's vehicles.
If your policy doesn't include glass cover as standard, broken car window cover is usually available to add on for an extra fee - worth checking before you need it, not after.
To be sure, on what's covered check your policy documents or contact your provider.
How do I claim for a broken car window?
Claiming for a broken car window is often easier than you think. Most insurers have a direct helpline, so call them as soon as you notice the damage. Every insurer's process is a little different, so check your policy for the extra steps.
Don't hang about! There's usually a timeline for making a claim, so tell your insurer straight away. All the details should be in your policy documents.
Does a claim for a broken car window affect my no-claims discount?
Good news: usually not!
Most insurers won't touch your no-claims discount for a broken window claim. But policies vary, so always double-check yours to be sure. Just remember, any claim could push up your car insurance price next time.
What happens if my windscreen is smashed?
If your windscreen is smashed or cracked, get it fixed fast.
Driving with a damaged windscreen isn't just dangerous; it's illegal. You could get points on your licence or even have your car seized. Even a small chip can spread quickly, so don't delay a repair.
Check your car insurance policy for windscreen cover. Most comprehensive policies include this, so repairs or replacements are usually covered.
However, third-party, fire and theft policies often don't. Always double-check your policy details and remember to factor in your voluntary excess.
How much does it cost to replace a car window?
The cost of replacing a car window varies. It depends on whether your insurer pays or if you're covering it yourself.
- If your insurer is paying: What you pay depends on your cover level and excess.
- If you're paying yourself: The cost varies by your car model and where you live.
Not sure whether to claim? Compare the repair cost to your excess. For example, a small chip might cost around £50 to fix. If your excess is £250, it's probably cheaper to pay yourself. But for a full window replacement, claiming could save you a lot.
Paying yourself? Shop around for the best price. Our tool can help you find and compare garages across the UK, so you can find local options.
What does an extended car warranty cover?
It can vary. Check the small print. Some car warranties exclude high-mileage cars or specific repairs.
Is it illegal to drive a car with a broken window?
Yes, it's a motoring offence.
The Highway Code says you need a clear view from all your windows to drive safely. A quick fix, like a plastic bag, won't cut it. Sort your window fast to avoid fines and stay safe on the road.
A badly damaged side or passenger window could also affect your MOT. If the damage significantly impairs the driver's view of the road, it can lead to an MOT advisory or failure. If you're unsure whether your window will pass, it's worth checking with your garage before booking the test.
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