Windscreen replacement - covered under policy or buy new outright?

My insurance renewal (Nov 2016) includes windscreen cover. My excess is £90 for replacement and £10 for repair. Would it be better just to opt out of this cover and if the worst happens pay for a new windscreen.

Asked on 22 October 2016 by A. Harvey

Answered by Honest John
Doesn't read like much of a deal, and insurers usually use a big windscreen replacement outfit that I receive a number of complaints about, but it depends how much your windscreen cover actually costs. It will not cover you anyway for re-setting any sensors or cameras behind the windscreen.
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