How to File a Windscreen Insurance Claim in NZ

Step 1: Check Your Policy and Excess

Before you do anything, confirm that your commercial vehicle insurance includes windscreen cover. Most comprehensive policies do, but third-party or basic policies may not. Call your insurer or check your policy documents online.

Ask two things:

• Is windscreen, side and rear glass replacement covered?
• What is my excess for a glass claim?

Typical excesses for glass claims range from $0 to $300. Some policies offer one free windscreen replacement per year. If your excess is low, it's almost always worth claiming rather than paying privately.

Step 2: Gather Your Truck Details

Have the following ready before you call:

• Make, model and year of your truck
• Registration number
• Description of the damage (windscreen crack, smashed side window, rear glass, etc.)
• Photos of the damage if it is safe to take them
• Your insurance policy number (if you have it handy)

Photos are useful because they help us and your insurer confirm the damage type and whether the glass needs full replacement (which is what we do) rather than chip repair.

Step 3: Call Auckland Truck Glass

Here's the part that surprises most truck owners: you don't need to call your insurer first. We can start the claim for you.

We work with all the major NZ insurers including:

• AA Insurance — popular with fleet and commercial operators
• State Insurance — straightforward claims process
• AMI — part of IAG, common for commercial vehicles
• Vero — frequently used by business and fleet policies
• FMG — rural and commercial specialist
• Tower — widely used for small business vehicles

We know the claims process for each insurer. We submit the claim on your behalf, provide the glass specification, and invoice them directly. You only pay your excess.

Step 4: Get Fitted and Back on the Road

Once the claim is approved (which usually happens within hours), we book a mobile fitting at your location — depot, yard, job site or home. We arrive with the correct glass, fit it to manufacturer spec, and handle the paperwork with your insurer.

Before we leave, we tell you the safe drive-away time. Most truck windscreen replacements take around two hours, and the urethane adhesive needs a minimum cure time before the truck is safe to drive. We give you clear guidance so you know exactly when your vehicle is ready.