Glass and Windscreen Cover — NZ Motor Insurers

Windscreen and glass-cover terms — separate excess (if any), repair vs replace policy, sublimits.

Last refreshed 2026-05-20

What this topic covers

Most Comprehensive NZ motor policies treat windscreen and glass damage separately from other claims — often with a lower or zero excess, and sometimes no NCB impact. Policies that repair (rather than replace) glass often waive the excess.

How each NZ motor insurer handles glass & windscreen

36 of 48 cells populated from ingested policy wordings. Cells marked Not on file mean the wording PDF didn't address that specific fact, or extraction couldn't isolate it with confidence. Authoritative answer is always the source PDF (linked from each provider profile).

Provider	Windscreen excess (NZD)	No excess for repair-not-replace	Sub-limit (NZD)	Side / rear windows covered
AA Insurance 3 tier wordings · 2025-04-28	0 if optional 'Excess-free glass cover' benefit is chosen	Comp You do not have to pay an excess for claims for loss to your windscreen or window glass (when optional 'Excess-free glass cover' is chosen) TPFT yes — only if optional 'Excess-free glass cover' benefit is chosen	no sub-limit stated for glass	Comp yes — 'Excess-free glass cover' applies to windscreen or window glass TPFT yes — sudden and accidental damage to your vehicle's window glass caused by attempted theft or vandalism is covered as a standard event; sunroofs, glass roofs, mirrors, headlights, tail lights, lamp covers and other transparent plastics are excluded from the optional excess-free glass benefit
AMI Insurance 1 wording · 2024-11-01 · +1 variant	$0	If your claim is only for sudden and accidental loss to the windscreen or window glass of your vehicle, you do not pay an excess (under the Excess-free glass optional benefit).	No sub-limit stated; settled as the reasonable cost of repairs.	Yes — the benefit applies to 'the windscreen or window glass of your vehicle'. Cover includes parts of the windscreen or window glass such as tinting, demisters, rain sensors and the necessary recalibration of sensors associated with the glass. Does not apply to glass in sunroofs or moonroofs.
Cove Insurance 1 wording · 2021-01-01	Optional extra 'No excess for car glass': no excess applies if only damage is broken or chipped windscreen or window.	yes — No excess for car glass optional extra: If the only damage to your car is a broken or chipped windscreen or window your policy covers the repair costs and you don't have to pay an excess.	Not on file	yes — 'broken or chipped windscreen or window' covered under the optional extra
FMG 1 wording · 2024-07-01 · +1 variant	$0	No excess applies to claims solely for accidental breakage of your private vehicle's windscreen, window glass, sunroof glass, or driving lights.	Not on file	yes — 'window glass' is explicitly listed alongside windscreen and sunroof glass with no excess
Initio 1 wording · 2021-05-01	$0	The excess and loss of no claims discount do not apply to a claim that is solely for sudden and accidental damage to windscreens, windows, sun-roofs, or driving lights of the car.	Not on file	yes — windows are expressly listed alongside windscreens and sun-roofs
NZI 1 wording · 2026-04-01 · +1 variant	No excess if claim is only for sudden and accidental loss to windscreen, window glass, sunroof or driving lights under the 'Excess-free glass' optional benefit.	If your claim is only for sudden and accidental loss to the windscreen, window glass, sunroof or driving lights of your vehicle, you do not pay an excess.	Not on file	yes — cover includes windscreen, window glass, sunroof or driving lights, including parts such as tinting, demisters, rain sensors and the necessary recalibration of sensors associated with the glass. Does not apply to glass in moonroofs.
Protecta Insurance 1 wording · 2024-12-01	No Excess applies where the Breakage of Windscreen optional cover is selected and the broken windscreen or window glass is the only damage to Your Vehicle	We agree that any such payment will not be subject to any Excess, and Your no claims bonus entitlement will not be affected. This extension only applies if the broken windscreen or window glass is the only damage to Your Vehicle.	Not on file	Yes — 'damage to windscreen or window glass (including sunroofs)'
Star Insure 1 wording · 2022-07-01	Not on file	Not on file	Not on file	Not on file
State Insurance 1 wording · 2024-11-01	$0	If your claim is only for sudden and accidental loss to the windscreen or window glass of your vehicle, you do not pay an excess.	Not on file	yes — 'Excess-free glass' optional benefit covers sudden and accidental loss to the windscreen or window glass of your vehicle; cover includes parts of the windscreen or window glass such as tinting, demisters, rain sensors and the necessary recalibration of sensors associated with the glass. Does not apply to glass in sunroofs or moonroofs.
Tower Insurance 3 tier wordings · 2024-09-01	Excess free if the optional Windscreen and window glass excess buyout benefit has been chosen; otherwise standard excess applies	Comp If you've chosen this optional benefit, and your claim is only for loss to your windscreen or window glass, your claim will be excess free. TPFT yes — if optional Windscreen and window glass excess buyout benefit is chosen	No separate sub-limit stated; covered under car sum insured unless optional buyout chosen	Comp yes — the optional benefit is described as 'Windscreen and window glass excess buyout' covering windscreen or window glass; excludes sunroofs, panoramic roofs, mirrors, lights, indicators or their covers TPFT yes
Trade Me Insurance 3 tier wordings · 2024-09-01	Comp Standard excess applies unless Windscreen and window glass excess buyout optional benefit is chosen TPFT As shown on your certificate of insurance	Comp If you've chosen this optional benefit and your claim is only for loss to your windscreen or window glass, your claim will be excess-free. TPFT yes	Not on file	Comp yes — optional benefit covers windscreen or window glass; exclusions are: sunroofs, panoramic roofs, mirrors, lights, indicators or their covers TPFT yes
Vero Insurance 1 wording · 2025-12-01 · +2 variant	$500 for replacement; $0 for repair	If your windscreen or window glass is repairable, you won't have to pay an excess.	Not on file	yes — 'We'll pay for loss to your vehicle's windscreen or windows glass.' Rear windscreen is listed as covered; side windows are covered.