Germany logged 2.2 million car-glass claims in one year. Exactly one national chain publishes a price for people paying themselves

On 11 September 2026 we checked which German auto-glass providers publish a price for customers without comprehensive cover. The result is thin — and that is the finding:

• Carglass — „ab 184,45 € inkl. MwSt.“ (from 184.45 euros including VAT) — chip repair for customers without cover; with cover the repair is „in der Regel für Sie kostenlos“ because the insurer normally pays in full, provided glass damage is covered. Gross price, VAT explicitly included. No self-payer price is published for a full replacement.
• Florian Autoglas (single workshop) — „100 Euro zum Festpreis“ — fixed-price chip repair on the windscreen for self-payers; for insured customers normally free. For a replacement the site names no price, only the deductible, „in der Regel 150 Euro“. No statement on whether figures are net or gross.
• Autoglas Harris, Steelerstraße 37, Essen (single workshop) — „ab 50€“ for a chip repair, „ab 250€“ for a windscreen replacement, expressly variable: the price depends on the vehicle and the size of the chip. No VAT statement, no breakdown of parts versus labour.
• junited AUTOGLAS — no price published. The self-payer page says only that the company offers fixed prices based on the customer's glass and the damage. Getting a number requires a quotation.
• A.T.U — no figure obtained. The auto-glass page was closed to our automated retrieval by robots.txt on the retrieval date, so we state no price for A.T.U — neither one that exists nor one that is missing.

What comprehensive cover changes

A glass claim is a special case in insurance terms. Per the ADAC, Teilkasko (partial cover) pays for glass damage to the windscreen, headlights and rear lights; Vollkasko (fully comprehensive) additionally covers paint damage from stone chips; third-party liability covers nothing on your own car. The decisive sentence follows: there is no no-claims downgrade on a Teilkasko claim — not even for several claims in quick succession. The deductible on a replacement is, per ADAC, „durchschnittlich 150 Euro“; for repairs at partner workshops it is normally waived. That is precisely why several providers offer the repair as free to insured customers: they bill the insurer directly.

Anyone without a workshop-tie clause in their policy can, per the ADAC, choose freely between a motor workshop and a glass specialist. A workshop-tie clause lowers the premium and gives that choice away — and for a claim type that arises 2.2 million times a year, that is not an academic question.