Windscreen Chips and Cracks: Repair, Replace, or Claim?
Updated Oct 19, 2026 · Hannah Breckett · 4 min read
A small chip can become a crack overnight. Most policies treat glass differently from other damage.
What this article covers
A stone flicked up by a lorry can chip a windscreen in an instant. Left alone, temperature changes and road vibration can spread the chip into a long crack.
Acting quickly often means a cheap repair rather than a full replacement.
Repair or replace?
Small chips — often smaller than a coin and not in the driver’s direct line of sight — can usually be repaired by injecting resin. Larger chips, long cracks, and damage at the edge of the screen usually mean replacement.
How insurance handles glass
Many comprehensive policies include windscreen cover, often with a separate, lower excess. Repairs are frequently free under the policy. In many cases, glass claims do not affect your no-claims discount, but check your policy to be sure.
Modern windscreens and calibration
Many newer cars have cameras and sensors mounted behind the windscreen for lane-keeping and automatic emergency braking. After a replacement, these often need recalibrating. Make sure your replacement includes calibration, and use an approved repairer.
In the meantime
- Cover a fresh chip with clear tape to keep dirt and moisture out
- Avoid blasting hot air on a cold screen, which can spread cracks
- Do not slam doors
- Check the law: driving with significant damage in your field of view may be illegal
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.