The windscreen wipers play an essential role in road safety, especially when weather conditions become capricious. However, few motorists think of their maintenance until the problem arises. What if a wiper breaks down? The first reaction is often to wonder if this can be covered by its insurance. Let's figure out what we need to know about the handling of windscreen damage, and find out if your contract offers this coverage.
Understanding the coverage of your car insurance
When you find that your wiper is damaged, it is natural to ask: is this covered by the classic auto insurance? To do so, we need to look at the various options available and the guarantees you have subscribed to.
In general,all-risk auto insurance offers a wider protection compared to third-party insurance. However, even with a risk-free formula, a simple malfunction like a broken windscreen wiper is not always considered a declared disaster. This type of damage is rather a matter of routine maintenance of the vehicle.
The ice break guarantee and its limits
A crucial point in your insurance is the Ice break guarantee. Although it usually covers the windscreen and sometimes other windows of the vehicle, it does not necessarily extend to windscreen wipers. Find out if your insurer includes in its offers, as it is not systematic.
An open discussion with your insurance advisor can inform you about the specifics of your contract. Some insurers offer specific options or allow extensions of guarantees that would include repair of peripheral elements to glazing, such as windscreen wipers.
Do we have to report a disaster for a broken windscreen wiper?
The temptation to report a claim may arise if you judge the cost of repairs high enough to justify a claim. However, the slightest claim report can have an impact on your insurance premium. Thus, before making this decision, it is necessary to assess the risk of a potential malus on your contract.
A common misunderstanding among motorists lies in the idea that any damage must be declared automatically. In the case of broken windscreen wipers, assess whether the use of insurance is necessary, especially if your deductible is higher than the replacement cost of windscreen wipers.
How much does it cost to replace a wiper?
The average cost of windscreen wipers varies according to your car model. To give a general idea, we often talk about 20 to 50 euros for a complete set. On the other hand, some high-end vehicles may require potentially more expensive special models.
Before seeking your insurance, a quick evaluation from a spare parts supplier could be helpful. Also consider the assembly option yourself to save on labour costs.
Practical advice to avoid inconvenience
After understanding the insurance implications of a broken windscreen wiper, let's see how to anticipate these situations. Prevention is better than cure, especially when it comes to such essential elements as windscreen wipers.
- Entretien régulier Clean your wipers regularly to avoid premature wear due to the accumulation of dirt that can scratch your broken window.
- Periodic replacement : Follow the manufacturer's recommendations regarding the life of wipers and change them as soon as they show signs of excessive wear.
- Protection against extreme temperatures : Freezing or excessive temperatures can affect broom flexibility, so house your vehicle whenever possible.
How to choose a good wiper?
With so many choices on the market, selecting the right product may seem difficult. To ensure optimal visibility throughout the year, you should choose windscreen wipers adapted to your local climate and daily use.
Consult the online user reviews to verify the durability of the different products and always meet the specific technical requirements of your vehicle. There's nothing worse than finding out too late that inappropriate sweeps damaged your equipment.
The key role of a successful contract
Finally, in the face of unforeseen events such as a broken windscreen wiper, the best asset remains to have opted for a insurance contract which perfectly meets your needs. The guarantees included vary from company to company, so it is essential to read all the clauses carefully during subscription.
Don't hesitate to compare several offers and adjust your coverage to include minor nuisances without compromising the total amount of your insurance premium. Personalize your protection to enjoy peace of mind during your daily trips.
Communicate effectively with its insurer
If there is a problem, contact your insurer clearly. Ask him the right questions about the damage caused and explore the possibilities of refunding or repairing through their approved partners in order to avoid increasing your file with claims declared uncovered.
Consider these exchanges as opportunities to strengthen your understanding of the services to which you are entitled and thereby secure your future conduct in the face of climate hazards.
