I dont think windscreen claims use the excess ? up to a limit of 2x per year I believe. Could be wrong given tesla roof, but check it out.I'm on finance and my lowest quote is about $970 with a $3k excess and no windscreen or hire car so far. Probably taking GIO at this stage $1300 for platinum (with $1400 excess) - which includes both unlimited hire car and windscreen (but with this excess the windscreen is probably pretty useless)