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Standard Car Insurance

Do I have to pay a windscreen excess?

If you have Standard Comprehensive cover and need to make a claim for any glass in your car, your excess is:


Repair - £10

Replacement - £75. 


Windscreen cover is unlimited where an approved windscreen repairer is used. Please note, we do not cover glass sunroofs. You will not be entitled to any more than £125 for windscreen damage, less the excess, if a non-approved repairer is used.

If you do not have Standard Comprehensive cover, you will not have Windscreen cover.

Windscreen claims do not affect your No Claims Discount (NCD). Should you need to make a claim, please call Tesco glass line (National Windscreen) on 0345 677 8888* to arrange.

This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.

Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.


If I get my winscteen repaired will this affect my NCD. Can I arrange for it to be repaired by Autoglass

Hi @Gavap69, if you're only claiming for a windscreen then this would not affect your NCD. You are free to use any glass supplier of your choosing, however, limitations will apply. To check this please refer to the "Making a Glass Claim" section in your policy booklet.   

If i telephone the glassline am i expected to pay the excess there and then or can it be paid when the work is done? If im struggling for money until payday next week, would i be able to pay on that day but have the work done as soon as possible?

Hi @Jen222, you can pay your excess on the same date that the technician carries out the work. As we have two separate excess's for repair (£10) and replacement (£75) they wouldn't know what amount to charge at the point of your initial call. I hope this information helps

How would I go about getting a chip repaired on my windscreen?

Hi @rachpickles,


If you phone the Tesco glass line (National Windscreen) on 0345 677 8888 to arrange for the glass to be repaired or replaced, and then you can arrange to use one of the chosen glass companies.


Remember that you have unlimited cover from our approved glass company to repair or replace broken or chipped glass in your car’s windscreen or windows. You are also covered if broken glass damages the bodywork of your car, plus your No Claims Discount will not be affected! My colleague has also confirmed the pricing above 🙂


I hope that helps



Do you take into account windscreen claims when you asess policy premiums for new or existing customers? If not, why is it one of the questions when applying for a policy? If so, by how much does it increase the average premium?

Hi @ISPL, any claim that you make is taken into consideration when assessing your policy premium. Windscreen claims won't affect your no claims discount as confirmed above, however we always ask for information on any claims that you've made as they're all taken into consideration when it comes to how our underwriters rate the policy.

The premium that is generated is based on numerous rating factors set by our underwriters and this is based on a live rating system. As such, we would not be unable to suggest how much it could increase by, as it may not increase at all. I hope this helps to clarify!

I contacted agent at 10pm lastnight to request windscreen replacement! I was advised id gt call from national windscreens today to give me time ive now called help line and advised garage closed till tomorrow! I need my vehicle i cant drive this until replaced! Is any other source available


Hi @Unwarren78, you are able to use any supplier of your choosing. However, you will not be entitled to any more than £125 for windscreen damage, less the excess, if a non-approved repairer is used. For the full information please check the "Making a Glass Claim" section in your policy booklet.