For most drivers, a cracked or chipped windscreen means one thing: calling the insurance company. But what many don’t realise is that the insurance excess for windscreen replacement is often the same as – or even more than – the cost of fitting windscreen protection film (WPF).
So, is it really worth waiting until the damage happens? Let’s break it down:
The Hidden Cost of Windscreen Claims
Modern windscreens aren’t what they used to be. They house advanced driver assistance systems (ADAS), sensors and heating elements. That means replacement costs are higher than ever – with many premium models topping £1,000+ for a single new screen.
Even if your insurer covers the majority of the bill, your excess can now easily range from £100–£250 per claim. Add the inconvenience of downtime, recalibration and lost journeys, and the true cost quickly mounts up. This is especially true for campervans, motorhomes and supercars and classics where windscreen excesses have risen sharply, or breakages may no longer even be included in your standard policy
Prevention over Cure
You’ve probably the heard the expression ‘Prevention is better than cure’, well, Armourtec Windscreen Protection Film (WPF) now costs about the same as a single excess payment. The difference? Once it’s fitted, it proactively prevents chips and cracks from happening in the first place.
That means instead of paying your excess every time bad luck strikes, you could protect your windscreen and avoid multiple claims altogether. One of our customers left this Google Review – after paying out for THREE windscreen replacements in ONE YEAR. He is now very pleased to now be able to drive with absolute peace-of-mind.
The Benefits Go Beyond Cost
• No downtime: Keep your vehicle on the road instead of off it for days.
• Clear and discreet: Armourtec is optically clear and Thatcham tested, with no impact on your driving experience.
• Peace of mind: Drive knowing that stones, debris, and daily hazards aren’t threatening your windscreen.
• Waste less time on hold with your insurance company!
The Smart Choice
Think of it this way:
• Pay your excess – your screen gets replaced after it’s already damaged.
• Pay for protection – your screen stays clear, intact and protected from day one.
With insurance excesses rising and less insurers covering windscreen replacements, more drivers are seeing that investing in prevention is smarter than paying for cure.
Learn more about how Armourtec can save you money and hassle