The AA warned that ‘essentials’ insurance policies offer cheaper cover, but don’t include certain cover such as damage to windscreens.

With the average cost of windscreen replacement standing at £700, the AA is advising drivers to check their car insurance policy.

A poll by the AA found that more than eight out of 10 (86%) drivers consider having windscreen cover on their insurance policy ‘important’ with three fifths saying it was ‘very important’.

Cheap car insurance policies

Drivers looking to keep the cost of motoring down are being tempted with motor insurance products advertised as ‘basic’ or ‘essential’; however these policies typically remove aspects like windscreen cover.

The AA said that as more technology is installed in cars, “a front windscreen is more than just a sheet of glass” as heating elements, sensors and cameras mean the average cost to replace a windscreen is £700.

Gus Park, managing director for AA Insurance Services, said: “With household budgets being squeezed there is a temptation to find cheaper alternatives, but when it comes to car insurance it could be a case of not knowing what you’re missing.

“Windscreen cover is commonly removed on ‘entry level’ insurance policies so it is worth checking what you are covered for. Claiming for windscreen damage is one of the most common reasons drivers use their policy. If it is not included, then drivers are likely to lose the saving they made when buying a ‘basics’ policy.

“Windscreens are more than just a pane of glass, even on older cars. Technology such as heads-up display, rain and light sensors, and cameras all need to be calibrated when replacing the screen. If drivers don’t have this popular cover, they risk footing a hefty bill.”