The cold weather the UK is experiencing over the winter period is putting one area of the car at increased risk.
Windscreens are more prone to damage and cracking when the weather drops which could leave motorists with a costly repair bill.
Most of the time chips and cracking will be covered by car insurance but certain providers have different rules, states Defaqto
New analysis of all 323 comprehensive motor insurance products available on the market, found that nearly all (312) include windscreen cover as standard.
However, some windscreen damage could cost drivers money in repairs as charges for excess.
Some policies are charging as much as £50 for a repair and as much as £150 towards a windscreen replacement.
Over half (59 per cent) do not apply an excess claim, 16 per cent apply an excess of less than £15 and nine per cent apply an excess of £15-£24.
Just one per cent if insurers charged drivers £50 or more.
Replacing the entire windscreen is more expensive with 19 per cent applying an excess between £60-£74.
A further 52 per cent are applying an excess between £75 – £99. Those with Third Party, Fire and Theft (TPFT) policies may not have cover at all, with 83 per cent not including cover.
One error drivers could make is by using a ‘non-approved’ repairer. If you use a non-approved retailer, the excess could be as much as £300, claims Defaqto.
Mike Powell, Insight Consultant at Defaqto, comments: “A small chip can turn into a nasty crack or even break your windscreen beyond repair if left.
“If you get a chip, you need to act fast to prevent the damage getting worse. Most insurers are happy to help you get your windscreen repaired to avoid the greater cost of having to replace it down the line.
“Check your policy to see what excess you may be liable for as this can be a nasty shock in some cases.
“Whatever happens, never pour boiling water on an icy windscreen as this can shatter it.”