Whether and how much of your glass damage is covered by insurance depends on which insurance you have and what your policy says. Here is what to look for, which information we need, and how payment is clarified — before we start.
What we need from you
- the car’s license plate
- which insurance company you are insured with
- a description of the damage — ideally with photos
- the claim number, if you have already reported the damage
You can give us this information directly in the quote wizard.
Cover, excess and approval depend on your policy
Third-party liability insurance doesn’t cover glass damage to your own car. For the damage to be covered, you typically need comprehensive cover or a separate glass cover. What is covered, how large the excess is, and whether the claim is approved is decided by your policy and your insurer. Many insurers distinguish between repairing a stone chip and replacing the glass, and the two can have different excesses.
Your contribution is clarified before the work
Before we carry out the work, we clarify with you what your own contribution is and how payment will be made. You shouldn’t find out afterwards.
Direct billing with the insurer
Direct billing with the insurance company is only possible when the insurer has accepted it for the individual claim. If direct billing isn’t possible, we agree payment with you before we start — and you receive the documentation you need to claim reimbursement from your insurer.
What to check in your policy
- Do you have comprehensive cover, or only third-party liability?
- Do you have a separate glass cover?
- What is your excess for repair and for replacement respectively?
- Do you need to report the damage to your insurer yourself first?
If in doubt, contact your insurer — it’s your policy that decides what applies to you.
Repair or replacement
Repairing a stone chip is typically a smaller job than a replacement, and several insurers have a special arrangement for repairs. It can therefore pay to have a stone chip assessed quickly. Read more about stone chip repair.
Frequently asked questions about insurance
Do I need to contact my insurer myself?
It depends on your insurer and policy. Enter your insurance details in the quote wizard and we’ll advise you on what applies in your case.
Can you bill my insurer directly?
Only if the insurer has accepted it for the individual claim. Otherwise we agree payment with you in advance, and you get documentation to claim reimbursement.
What if I don’t have comprehensive cover?
Then the glass damage is typically not covered, and you pay yourself. You still get a quote you can decide on.
Does AutoRudeExpress have an agreement with my insurer?
We help you whichever Danish insurer you use, but we don’t have fixed agreements with specific companies that we can state here.