Car insurance windscreen cover

Hi, newbie here, I'm trying to help my son with a claim for a windscreen.
His insurance policy says:
The following excesses apply to each section:
1.2.6 standard excess    £200
1.2.6. Voluntary excess.   £250
3: Windscreen repair excess. £25
3: Windscreen replacement excess £0
His insurance company says he does not have any windscreen cover, however, nowhere on his policy does it state this, the only wording related to windscreens is as above.
To me, it means he does not have to pay anything towards having his windscreen replaced and not that he has no cover.
Any advice welcomed.

Comments

  • Car_54
    Car_54 Posts: 8,137
    First Anniversary Name Dropper First Post
    Forumite
    What does the schedule say?
  • Most insurers use standard wordings for all policies be they TPFT, Comp, TPO, Young Driver etc and you need to look at the Schedule which will state which of the sections are applied to the policy. 
  • Start calling local firms and mobile guys.
    My excess £100, but local guy was £80 fitted.
    Plus no claim on policy.
    Found the screen on ebay and they fitted for £30.
  • Start calling local firms and mobile guys.
    My excess £100, but local guy was £80 fitted.
    Plus no claim on policy.
    Found the screen on ebay and they fitted for £30.

    Actually that's a really good call.  A few years ago my son had the same thing - cracked screen, not covered by insurance.  I checked Autoglass, they wanted something like £450 I think it was.  Found a local one-man-band, he supplied and fitted a new screen for £100.  Came and fitted it at our house, as well, so it was really convenient.
  • Car 54:
    His insurance policy says:
    The following excesses apply to each section:
    1.2.6 standard excess    £200
    1.2.6. Voluntary excess.   £250
    3: Windscreen repair excess. £25
    3: Windscreen replacement excess £0

    These are the only mentions of windscreen.
  • wongataa
    wongataa Posts: 2,599
    First Anniversary Name Dropper First Post
    Forumite
    The insurance schedule tells you what cover you have.  If there is no mention of windscreen cover there you don't have windscreen cover.

    The policy booklet has details of all the possible types of cover you can have so it covers everyone who has insurance from that company.  It does not define what cover you have.
  • baser999
    baser999 Posts: 1,081
    First Post Name Dropper First Anniversary Combo Breaker
    Forumite
    Car 54:
    His insurance policy says:
    The following excesses apply to each section:
    1.2.6 standard excess    £200
    1.2.6. Voluntary excess.   £250
    3: Windscreen repair excess. £25
    3: Windscreen replacement excess £0

    These are the only mentions of windscreen.
    This will likely be the generic wording on the policy schedule regardless of whether you have the cover. You need to check precisely what you/your son paid for
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