Quick Answer

  • Most comprehensive insurance policies in NZ cover windscreen damage — often with nil excess
  • You need your policy number, vehicle rego, and damage description before calling
  • AAA Auto Glass handles the entire claim — we direct bill your insurer
  • Most claims cost you nothing if you have nil excess windscreen cover
  • Same-day service available across Auckland for most common vehicles
  • Call 0800 757-985 and we'll guide you through every step

Is Windscreen Damage Covered by Insurance?

In most cases, yes. Comprehensive car insurance in New Zealand typically covers windscreen damage — and many policies include nil excess for windscreen claims, meaning you pay nothing out of pocket. Some policies may have a small windscreen excess (usually $100–$500), but this is still far less than paying for a replacement privately.

Even third-party policies sometimes include limited windscreen cover. The best way to know for sure is to check your policy documents or simply call us — we work with 36+ insurers and know their policies well.

What Information Do You Need Before Calling?

Having the following details ready will make your claim faster and smoother:

  • Your insurance policy number — found on your insurance documents or app
  • Vehicle registration number — so we can identify the correct glass
  • Vehicle make, model, and year — helps us confirm stock availability
  • Description of the damage — chip, crack, smashed, etc.
  • Your location and preferred appointment time — we come to you

Don't worry if you don't have all of this — we can help you find what you need.

Step-by-Step Claim Process

Here's exactly how the process works when you claim through AAA Auto Glass:

  • Step 1 — Call us on 0800 757-985: Tell us about your damage and your vehicle. We'll check stock and availability.
  • Step 2 — We verify your cover: We contact your insurer directly to confirm your policy covers the damage and check any excess.
  • Step 3 — Book your appointment: We schedule a mobile technician to come to your home, work, or anywhere across Auckland — usually same day.
  • Step 4 — Glass replacement: Our technician replaces your glass to factory specifications, including ADAS camera positioning if needed.
  • Step 5 — Direct billing: We invoice your insurer directly. You pay only your excess if applicable — often nothing at all.

How Direct Billing Works

Direct billing means we handle all the paperwork and invoice your insurance company ourselves. You don't need to pay upfront and claim back. Here's why this matters:

  • No upfront cost — you don't need to find hundreds of dollars at short notice
  • No paperwork hassle — we fill out all claim forms and submit invoices
  • Faster resolution — insurers trust established auto glass providers like us
  • Nil excess policies — if your policy has nil excess windscreen cover, you pay absolutely nothing

Common Insurers and Their Processes

We work directly with all major New Zealand insurers. Here's what to expect from the most common ones:

  • AA Insurance: Often nil excess for windscreen claims. We direct bill — just give us your policy number.
  • State Insurance: Windscreen cover is standard on comprehensive policies. We handle the claim start to finish.
  • AMI: Comprehensive policies include windscreen cover. Call us and we'll verify your exact cover.
  • NZI / Vero: Business and personal policies both covered. We have direct billing arrangements in place.
  • QBE, IAG, FMG: All major insurers accepted. We know their processes and paperwork requirements.

Don't see your insurer listed? We work with 36+ providers — chances are we can help. Call us to check.

What If You're Not Insured?

If you don't have comprehensive insurance, you can still get your windscreen replaced privately. Here's what you need to know:

  • Standard vehicle: $650–$850 for a typical windscreen replacement
  • ADAS-equipped vehicle: $800–$1,500+ depending on make and calibration needs
  • European vehicles: Often at the higher end due to specialised glass
  • We offer competitive pricing and a lifetime warranty on all work

Even without insurance, replacing a damaged windscreen is essential for your safety and WOF compliance. A cracked windscreen can fail a Warrant of Fitness and compromise your vehicle's structural integrity in a collision.

Book Your Windscreen Replacement

Whether you're claiming on insurance or paying privately, AAA Auto Glass makes the process simple. Call 0800 757-985 with your vehicle details and we'll confirm cover, check stock, and book your mobile fitting across Auckland. Same-day service available for most common vehicles.

Last updated: 2024. For exact advice on your specific vehicle, call AAA Auto Glass on 0800 757-985.