A cracked or shattered windshield can compromise your safety and visibility while driving, and prompt a necessary replacement. Fortunately, most comprehensive car insurance policies cover the cost of a car windshield replacement. But many car owners are hesitant to file a claim, fearing it might affect their No Claim Bonus (NCB).
So, the big question is: Does filing a claim for windshield replacement impact your NCB? Let’s break it down.
Understanding No Claim Bonus (NCB)?
No Claim Bonus is a discount offered by insurance companies on your policy premium for not making any claims during the policy year. The bonus grows every year and can go up to 50% over time, making it one of the most valuable incentives for safe driving and minimal claims.
Car Windshield Replacement and Insurance: What’s Covered?
Most insurers in India cover car glass replacement under the “Own Damage” section of comprehensive car insurance policies. That means, if your windshield is cracked, chipped, or broken due to an accident, debris, or weather-related damage, your insurer can foot the bill, minus your deductible.
At Star Glass House in Ahmedabad, we assist you in hassle-free car windshield replacement covered by insurance, ensuring both safety and affordability.
Does It Affect Your No-Claim Bonus?
In most cases, yes, even a small claim like windshield replacement insurance can impact your NCB, because it technically counts as a claim under the “Own Damage” section.
However, it depends on your insurance provider. Some key points to consider:
✅ If your NCB is high, it may be better to pay out of pocket for minor damage than lose a large bonus on your renewal.
✅ If the repair cost is significantly higher than the deductible, filing a claim might still be worthwhile.
✅ Some insurers offer add-ons that protect your NCB even after a claim. Ask your provider about this option.
Below is the YouTube link showcasing the process of Hyundai Verna Fluidic Car Front Glass Replacement
Should You Claim or Pay For it Yourself?
Here’s is a quick comparison to help you decide:
Scenario
Suggested Action
Windshield replacement cost is low
Pay out of pocket to preserve NCB
Windshield damage is expensive/costly
Consider claiming insurance
You have NCB protection add-on
Claim without worry
Why Trust Star Glass House for Car Windshield Replacement?
If you’re searching for car windshield replacement near me or auto glass replacement near me, Star Glass House in Ahmedabad offers trusted, insurance-friendly solutions.
✅ We handle insurance paperwork for you.
✅ We use OEM-quality glass for all makes and models.
✅ Our expert technicians ensure flawless sensor alignment and installation.
✅ Our team provide fast, professional car glass replacement
✅ We ensure sensor calibration (if applicable) and a perfect fit.
Whether you’re filing an insurance claim or paying directly, our priority is your safety and satisfaction.
Final Thoughts
So, does replacing your windshield under insurance affect your no claim bonus? The short answer is yes, in most cases. But the decision to claim should weigh both the repair cost and the value of your NCB. And when you do need a reliable service provider for car windshield replacement, trust the experts at Star Glass House in Ahmedabad.
Call us today or book an appointment online and we’ll help you navigate your insurance and get you back on the road safety and quickly.