How to handle an insurance claim for glass damage?

A damaged windshield is one of the most common insurance claims in Slovakia. If you have comprehensive insurance, the repair or replacement may be partially or fully covered by the insurer. However, many drivers do not know how to proceed and unnecessarily pay out of their own pocket. At AUTOSKLO H&D, we handle the entire insurance claim for you - from reporting through to the actual repair. Here is a complete guide.

What type of insurance covers glass damage?

In Slovakia, there are two main types of motor vehicle insurance, and each covers glass damage differently:

Compulsory third-party liability insurance (PZP)

PZP (so-called "compulsory insurance") covers damage that you cause to others. If someone damages your glass (e.g. with a stone from their car), the costs should be covered by their PZP. In practice, however, it is difficult to prove who caused the damage, so PZP is rarely used for own glass repair.

Comprehensive insurance (KASKO)

Comprehensive insurance covers damage to your vehicle including glass damage. This is the type of insurance that will actually help you. Most comprehensive insurance policies in Slovakia include:

• Free glass repair - with no deductible, no increase in future premiums
• Glass replacement - usually with a deductible (5 - 10% of the cost, or a fixed amount)
• Some policies have special glass add-on insurance, where even replacement is without deductible

Which insurance companies do we cooperate with?

At AUTOSKLO H&D, we have direct cooperation with 8 of the largest insurance companies in Slovakia:

1. Komunalna poistovna
2. Kooperativa
3. Generali
4. UNIQA
5. Groupama
6. Allianz - Slovenska poistovna
7. Wustenrot
8. Union

Direct cooperation means that you do not have to pay anything upfront. We send the invoice directly to the insurer and you only pay any applicable deductible (if it applies).

Insurance claim procedure - step by step

Here is the exact procedure we recommend:

Step 1: Call us

Simply call 0910 453 214 or book online. Our operators will immediately advise you:

• Whether it is a repair or replacement
• Whether you are entitled to insurance coverage
• What your deductible will be (if any)
• When you can schedule an appointment

Step 2: We report the insurance claim

You do not need to call the insurer, you do not need to fill in forms. We handle the entire reporting for you. We only need from you:

• Insurance policy number (you can find it on the green card)
• Vehicle registration document
• Your identity card

Step 3: Repair or replacement

On the agreed date, you bring your car to the nearest branch. We have 31 service centres across Slovakia, so you are sure to find one close to you.

• Repair takes 30 - 45 minutes
• Replacement takes 1 - 3 hours (including adhesive curing time)
• ADAS calibration (if needed) adds another 30 - 60 minutes

Step 4: Vehicle handover

After the work is completed, you receive:

• A report on the repair / replacement performed
• ADAS calibration certificate (if performed)
• Lifetime warranty on the work performed

Most frequently asked questions about auto glass insurance

Will my premium increase after a glass insurance claim?

For repair, the premium usually does not increase - insurers treat repair as routine maintenance. For replacement, it depends on the specific insurer and policy, but most insurers in Slovakia consider glass a special category and do not increase the premium for one claim event per year.

What if I do not have comprehensive insurance?

If you do not have comprehensive insurance, you pay for the repair or replacement yourself. Even in that case, it is worth contacting us - our prices are competitive and repair is always cheaper than a later full glass replacement.

How long does the insurance claim process take?

With our contracted insurers, the process is expedited. We can usually give you an appointment within 2 - 3 working days of first contact. In urgent cases, even sooner.

What if the damage was caused by another vehicle?

If you know who caused the damage (e.g. a stone from a specific car in traffic), you can claim the damage from their third-party liability insurance. We will help you with the documentation. In practice, however, it is simpler to use your own comprehensive insurance.