Partial accidental damage covers glass damage to vehicle windows
Optional add-on for headlights and sideview mirrors
Tips for glass damage
Key points at a glance
- Your partial accidental damage insurance covers repairs to or the replacement of damaged car parts.
- An add-on module for your car insurance covers damage to headlights, sideview mirrors, &etc.
- Repairs often make more sense and are more cost effective than replacing the entire windshield.
Call for a consultation: 052 244 86 12
Rockfall: What's insured?
Comprehensive and partial accidental damage coverage insure glass breakage to windshield, side and rear windows. It doesn’t matter whether the glass was broken due to a rockfall, hail, vandalism or some other incident.
Headlights or sideview mirror broken?
Headlights and sideview mirrors are not covered under partial accidental damage insurance. You would need an add-on module which covers headlights, taillights, blinkers and sideview mirrors. This optional insurance is an especially good idea for vehicles with xenon or matrix LED headlights because it can be expensive to replace them.
What do I do after a rockfall?
Now every garage is set up for glass repairs. Your insurance can give you the best support after an accident: It works together with professional partners that are specialized in glass damage repair.
- Assess and photograph the damage.
- Report the damage to your car insurance immediately.
- Have the damaged window professionally repaired.
In many cases, the damage can be fixed at your home or place of work – quickly and simply.
Repair rather than replace
Repairs are generally the better choice because they are cheaper and more environmentally friendly. The glass should only be replaced if a specialized glass repair shop recommends it. This is why you should report any incidents to AXA first. Together we’ll discuss with our partner business whether a replacement or repair is the best.
What does a new windshield cost?
The price of replacing a windshield greatly depends on the vehicle. The deciding factors are the model, year and any built-in technology such as cameras or sensors. The price is generally somewhere between CHF 1,000 and CHF 1,500. Vehicles with drive assist systems will incur additional costs when replacing glass because often they must be recalibrated after the replacement.
Original vs. alternatives
In addition to original windows from the manufacturer, there are also vetted alternatives from independent manufacturers that meet the same safety and quality standards but are often cheaper. The difference is not one of function but of brand.
Guarantee
Glass is considered a replacement part. This means that a replacement done by a professional does not affect the vehicle’s warranty, even if the replacement glass is a different brand.
FAQ on glass damage under car insurance
Can I still drive after a rockfall?
It depends on the location, type and extent of the glass damage. The windshield is very important for safety. If visibility isn’t limited while driving, you can continue driving until your repair appointment. Otherwise, you must bring the vehicle to the garage immediately or have it towed. Are you unsure of whether you should continue driving? Contact one of our partner businesses for a glass repair estimate – all you need is a photo of the damaged glass.
Please note: If you continue to drive even though visibility is impaired, you are putting yourself and others in danger. And you could also face legal action.
My car has a sunroof. How is it insured?
Like the windshield and side and rear windows, a sunroof is covered in the event of damage to the glass under comprehensive or partial accidental damage insurance.
What are my options if I don't have comprehensive or partial accidental damage insurance?
Contact a specialized repair facility. If possible, have the damaged glass repaired. This is usually much more economical than replacing the entire windshield. We recommend that you first request a cost estimate.
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