A cracked or shattered car window is frustrating, but what about your insurance? Will a glass damage claim lead to a premium increase on your partial coverage (Teilkasko)? This article explains everything you need to know about partial coverage, glass damage, and potential premium increases.
Car with glass damage and magnifying glass on the word "premium increase"
When Does Partial Coverage Cover Glass Damage?
Partial coverage insurance typically covers glass damage caused by external factors that are not your fault. This includes damage from rocks, hail, or collisions with animals. It’s crucial to report the damage to your insurance company and accurately describe the incident.
“Glass damage can happen quickly, but with the right insurance, you don’t have to worry about the costs,” says car expert Johann Schmidt. “Partial coverage offers good protection in many cases.”
glasschaden teilkasko hochstufung
Will My Partial Coverage Premium Increase?
Whether your premium increases after a glass damage claim depends on several factors, including your insurance policy and your no-claims bonus. Many insurance companies now offer tariffs where glass damage can be repaired without a premium increase.
However, there are also cases where a premium increase is possible, for example, if:
- You have already reported several damages in the past.
- The damage is extensive.
- You have a policy with a workshop requirement and choose an independent workshop.
“It’s worth carefully examining the terms of your contract and comparing different offers,” recommends insurance consultant Lisa Berger. “This way you will find the optimal protection for your vehicle.”
Partial coverage insurance contract highlighting the "Glass Damage" section
How Can I Avoid a Premium Increase?
There are several ways to avoid a premium increase after glass damage:
- Compare different insurance offers: Look for policies that include glass damage repair without a premium increase.
- Increase your deductible: A higher deductible can lead to lower premiums and reduce the risk of a premium increase.
- Don’t report minor damage: You may be able to pay for minor damages yourself to maintain your no-claims bonus.
Conclusion
Glass damage is annoying, but it doesn’t necessarily have to lead to a premium increase on your partial coverage. Inform yourself in advance about your insurance conditions and compare different offers to ensure you have optimal coverage. If you are affected by a premium increase, check whether changing your insurance provider is worthwhile.
Have more questions about partial coverage and glass damage? Contact us – our experts are here to help!
glasschaden vollkasko hochstufung
More Questions About Glass Damage and Insurance:
- How much does a new windshield cost?
- When does full coverage insurance pay for glass damage?
- Can I repair the damage myself?
Visit our website autorepairaid.com for more information and helpful tips on car repair and car insurance.
