How Insurance Windscreen Claims Work in South Africa

The five-step claim process

1. WhatsApp us a photo of the damage and your insurer name. We confirm in minutes whether the damage qualifies for repair (often zero excess) or replacement (excess applies).

2. We submit the claim directly to your insurer with your policy number — we're an approved supplier to Santam, Discovery Insure, OUTsurance, MiWay, Hollard, Old Mutual Insure, King Price, Auto & General and Naked.

3. Insurer authorises (usually same day — within 30 minutes for chip repairs).

4. We book your fitment — workshop, mobile to your home / office, same-day for most vehicles.

5. On completion you pay only the excess (if any). We invoice the insurer for the balance.

What your excess will likely be

Santam: R500–R1,500 standard; zero on chip repair.

Discovery Insure: R1,000 standard; zero with Vitality Drive Diamond status; zero on chip repair.

OUTsurance: R1,250 standard; zero on chip repair.

MiWay: R1,000 standard; zero on chip repair.

Hollard / Old Mutual Insure / King Price: R1,000–R2,000 standard depending on plan.

Numbers above are typical and can vary by policy tier. Always confirm with your broker.

When NOT to claim

If your excess is higher than the cash repair / replacement cost (e.g. a R1,250 excess on a R1,450 Polo Vivo windscreen), pay cash. Claims can also affect your no-claims bonus on certain policies, though most insurers don't penalise glass-only claims.

Rule of thumb: always claim chip repairs (zero excess, no impact on bonus). For full replacements, do the math against your excess first.

Things insurers will refuse

Insurers refuse claims for: damage that occurred outside the policy period, damage that wasn't reported within the notification window (usually 30 days), damage repaired by a non-approved supplier without authorisation, and second-event damage where the first event wasn't reported. Always notify within 30 days and use an approved supplier.

FAQs