How to File a Windscreen Insurance Claim in NZ

If your windscreen is cracked or smashed and you have comprehensive car insurance, you're probably covered for replacement. Here's exactly how the process works in New Zealand.

Step 1: Check Your Policy

Most comprehensive car insurance policies in NZ include windscreen cover. Some even offer excess-free glass cover as an optional extra. Third-party policies typically do not cover windscreen damage.

Key insurers we work with:

• AA Insurance — Standard glass cover on comprehensive policies
• State Insurance — Easy claims process, often same-day approval
• AMI Insurance — Optional excess-free glass cover available
• Vero — Business and fleet specialists
• FMG — Rural and commercial vehicle cover
• Tower Insurance — Full documentation support

Step 2: Call Us First

Before calling your insurer, call us on 09 972-1090. We'll ask for:

• Your vehicle make, model and year
• Registration number
• Your insurance company and policy number (if you have it)
• Your South Auckland suburb

We can often tell you on the spot whether you're likely to be covered and what your excess will be.

Step 3: We Handle the Claim

We contact your insurer directly to confirm cover and obtain claim approval. You don't need to spend hours on hold or fill in complex forms — we do it all.

Step 4: We Replace and Invoice

Once approved, we source the correct glass, come to your location anywhere in South Auckland, and fit it to manufacturer specification. We then invoice your insurer directly. You only pay any excess that applies.

Will My Premium Go Up?

Usually, no. Windscreen claims are typically treated as "no-fault" glass claims and do not affect your no-claims bonus or future premiums. This is standard across most NZ insurers, but we recommend confirming with your provider.

What If I'm Not Insured?

No problem — we can still help. Call us for a firm price. We offer competitive private rates and same-day service where possible.