This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.
"I don't get this cover and something happens to my windscreen"
If you don't have the optional Windscreen and window glass cover on your Comprehensive Car Insurance, you can still claim but your normal excess will apply.
"I already claimed this year"
How does it affect my premium?
Adding Windscreen and Window Glass Cover will increase your premium. It's easy to see by how much when you get a quote. Simply add the option during the quote process.