Car insurance
Does car insurance cover windscreen damage?
As of 28 Oct 2026 (Singapore time)
Yes on comprehensive plans. All 18 insurers we compare include windscreen cover, most of them unlimited, with an excess of about S$100 per replacement. A windscreen-only claim usually does not affect your no-claim discount. Third party, fire and theft plans do not cover it.
The figures
- Insurers compared: 18, with 101 plans between them.
- Insurers with at least one plan that covers it: 18.
- Cheapest plan that covers it, for Toyota Corolla Altis 1.6, 50% NCD: India International Comprehensive (any workshop or authorised workshops), S$604.07.
- Median price among the insurers that cover it, for the same example: S$837.31.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| India InternationalYesfrom S$604.07 | Yes | Comprehensive (any workshop or authorised workshops)1 of its 3 plansWindscreen: Unlimited windscreen cover with a S$100 excess; solar film and sunroof add-ons available | S$604.07 |
| HL AssuranceYesfrom S$698.03 | Yes | Car Protect360 Comprehensive1 of its 2 plansWindscreen: Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer | S$698.03 |
| Budget DirectYesfrom S$710.92 | Yes | Car Insurance – Comprehensive2 of its 4 plansWindscreen: Repair or replacement covered beyond the windscreen excess; a windscreen-only claim leaves your NCD untouched and carries no policy excess | S$710.92 |
| EtiqaYesfrom S$725.20 | Yes | Private Car Insurance – Comprehensive (Authorised Workshop)2 of its 8 plansWindscreen: Unlimited windscreen cover, S$100 excess for each replacement | S$725.20 |
| MS First CapitalYesfrom S$732.08 | Yes | Comprehensive1 of its 3 plansWindscreen: Covered for its full value; S$100 excess per claim | S$732.08 |
| SompoYesfrom S$790.40 | Yes | Comprehensive Cover – Authorised Workshop Plan2 of its 4 plansWindscreen: Unlimited replacement, with the windscreen excess shown in the policy schedule (waived if repaired instead of replaced; no NCD reduction for a windscreen-only claim) | S$790.40 |
| ERGOYesfrom S$790.88 | Yes | SMART Comprehensive2 of its 4 plansWindscreen: Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered | S$790.88 |
| AIGYesfrom S$813.35 | Yes | AIG Car Insurance Complete1 of its 2 plansWindscreen: Included: windscreen and windows, unlimited, S$100 excess | S$813.35 |
| Great EasternYesfrom S$830.70 | Yes | Drive and Save Plus Comprehensive (Authorised Workshop)3 of its 5 plansWindscreen: Unlimited reinstatements, S$100 excess per claim | S$830.70 |
| ECICSYesfrom S$843.91 | Yes | Comprehensive4 of its 6 plansWindscreen: Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim | S$843.91 |
| FWDYesfrom S$866.72 | Yes | Drivo Classic5 of its 5 plansWindscreen: Unlimited windscreen cover; S$100 windscreen excess per claim | S$866.72 |
| IncomeYesfrom S$866.72 | Yes | Drivo Classic5 of its 5 plansWindscreen: Unlimited windscreen cover; S$100 windscreen excess per claim | S$866.72 |
| AllianzYesfrom S$873.27 | Yes | Allianz Motor Protect Comprehensive4 of its 14 plansWindscreen: Unlimited windscreen cover; S$100 excess for each replacement, no excess for a repair; does not affect the No Claim Discount | S$873.27 |
| SinglifeYesfrom S$912.99 | Yes | Motor Lite3 of its 3 plansWindscreen: Unlimited glass replacement at approved repairers (S$0 elsewhere), 1 windscreen claim, excess S$100 | S$912.99 |
| DirectAsiaYesfrom S$976.44 | Yes | Car Insurance – Comprehensive, Value plan6 of its 15 plansWindscreen: Repair or replacement covered; a windscreen claim does not affect your No Claim Discount (windscreen excess applies) | S$976.44 |
| UOIYesfrom S$1,106.58 | Yes | UniCar Comprehensive Value2 of its 4 plansWindscreen: Covered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced) | S$1,106.58 |
| LibertyYesfrom S$1,219.83 | Yes | Comprehensive Preferred Plan2 of its 11 plansWindscreen: Accidental loss or damage to windscreen up to S$4,000 (S$100 excess) | S$1,219.83 |
| QBEYesfrom S$1,687.22 | Yes | Private Motor Prestige Comprehensive1 of its 3 plansWindscreen: Unlimited windscreen cover for the first 2 windscreen claims in a period of insurance, no windscreen excess and NCD not affected (compulsory reinstatement with additional premium) | S$1,687.22 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare car insuranceQuestions people ask
Does car insurance cover windscreen damage?
Yes on comprehensive plans. All 18 insurers we compare include windscreen cover, most of them unlimited, with an excess of about S$100 per replacement. A windscreen-only claim usually does not affect your no-claim discount. Third party, fire and theft plans do not cover it.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 101 plans from 18 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For Toyota Corolla Altis 1.6, 50% NCD, India International Comprehensive (any workshop or authorised workshops) is the cheapest plan that covers it, at S$604.07 today, GST included. The median of each insurer's lowest price is S$837.31.