Whether and how much your glass damage is covered by your car insurance depends on which type of insurance you have and what your specific policy actually says. Here’s an easy-to-follow overview so you know what to check — but remember, it’s your own policy that determines what applies to you.
Third-party liability insurance doesn’t cover glass damage to your own car
Third-party liability insurance is mandatory in Denmark, but it covers damage you cause to others — not damage to your own car. For a glass claim on your own car to be covered, you therefore need comprehensive cover or an equivalent cover.
Comprehensive cover and glass cover
If you have comprehensive cover or a separate glass cover, the glass damage can often be fully or partly covered. Your own out-of-pocket cost depends on your specific policy, excess, and type of damage. Many insurance companies distinguish between repairing a stone chip and fully replacing the glass, and the two can carry different excess amounts on your policy.
Excess — it varies from policy to policy
The excess for a glass claim depends on your specific insurance agreement — it can vary significantly between companies and products, and some policies have a separate, lower excess for glass than for other comprehensive claims. We can’t state a fixed amount here, since it depends entirely on your policy. Check your insurance agreement, or contact your insurance company, if you’re unsure what applies to you.
Repair instead of replacement can matter
Because repairing a stone chip is typically a smaller job than a full replacement, several companies have a favourable arrangement for repairs — but again, it depends on your specific policy. That’s one of the reasons it can pay off to get a stone chip assessed quickly. Read more on our page about stone chip repair.
What to check in your own policy
- Do you have comprehensive cover, or only third-party liability?
- Do you have a separate glass/single-damage cover?
- What’s your excess for repair versus replacement, respectively?
- Do you need to report the claim to your insurance company yourself, or can that happen as part of the process?
How we help you
You can provide your insurance details in the quote wizard — including whether you want to use your insurance, and which company you use. We help you move forward in the process with your glass claim, regardless of which Danish insurance company you use. We can’t guarantee a specific coverage or amount, since that depends on your policy — but we start from the information you give us and guide you along the way.
Frequently asked questions about insurance
Do I need to contact my insurance company myself?
It can vary. Provide your insurance details in the quote wizard, and we’ll look at your specific case and guide you on what’s relevant for you.
What if I don’t have comprehensive cover?
Then the glass damage typically won’t be covered by insurance, and you’ll need to pay for the work yourself. You can still send us your request, and we’ll give you a quote you can decide on.
Does AutoRudeExpress have an agreement with my insurance company?
We help you move forward regardless of which Danish insurance company you use — we don’t have a fixed, guaranteed agreement with specific companies that we can state here.