Windscreen chip or crack: repair, replace, and will insurance cover it?
Published 04 Nov 2026 by Carwooshh
Last reviewed: 4 November 2026
Small chips can often be repaired quickly; larger cracks or damage in the driver's line of sight usually mean a new windscreen.
Repair or replace? Small chips away from the driver's view are often repairable. Cracks, larger chips, or damage in the driver's central view usually need replacement — and can cause an MOT failure.
How long does it take? A chip repair is often under an hour. A replacement takes longer, and adhesive needs time to cure before the car is safe to drive — ask the fitter for the safe drive-away time. Cars with cameras or sensors on the screen may need recalibration afterwards.
Insurance: many comprehensive policies include glass cover, sometimes with an excess. Check your policy before booking, as some insurers require you to use an approved repairer.
FAQ
- Does car insurance cover windscreen repairs?
- Often, on comprehensive policies — check your excess and any approved-repairer rules.
- How long does a windscreen replacement take?
- Allow extra time for the adhesive to cure and any camera recalibration.
- Can a chipped windscreen fail an MOT?
- Yes, if the damage is in the driver's view or above the permitted size.