Windscreen Claims WILL Affect Your NCD
Discussion
kuro said:
I phoned hastings and they told me ncd would be unaffected
This may not be the case in this instance, but it is worth noting that when calling an insurer in the event of a glass claim, there may be a specific number to call, or an option to select at the automated switchboard. Your call does not always go to the insurer. If/when this happens, the person answering the call will usually answer that dedicated line with, 'hello glass line' or something similar. This may give you the impression you're talking to your insurer...
Glassman said:
This may not be the case in this instance, but it is worth noting that when calling an insurer in the event of a glass claim, there may be a specific number to call, or an option to select at the automated switchboard. Your call does not always go to the insurer.
If/when this happens, the person answering the call will usually answer that dedicated line with, 'hello glass line' or something similar. This may give you the impression you're talking to your insurer...
You know glass, I know insurance. The only insurer that I'm aware of where a glass claim affects your NCD and / or premium is Swiftcover, nobody else cares. If/when this happens, the person answering the call will usually answer that dedicated line with, 'hello glass line' or something similar. This may give you the impression you're talking to your insurer...
CoolHands said:
there doesn't seem to be a default answer for this, but: are the autoglass etc screens as good quality as oem or not? Is there any noticeable difference.
Yes there is a difference. OEM is the best available, no question. Even the ones made by the same glass manufacturer will show differences in quality and/or hardware. In some (rare examples) the OEM (car manufacturer logo) is removed for the aftermarket distributors. http://www.glasstecpaul.com/windscreen-manufacture...
LoonR1 said:
Glassman said:
This may not be the case in this instance, but it is worth noting that when calling an insurer in the event of a glass claim, there may be a specific number to call, or an option to select at the automated switchboard. Your call does not always go to the insurer.
If/when this happens, the person answering the call will usually answer that dedicated line with, 'hello glass line' or something similar. This may give you the impression you're talking to your insurer...
You know glass, I know insurance. The only insurer that I'm aware of where a glass claim affects your NCD and / or premium is Swiftcover, nobody else cares. If/when this happens, the person answering the call will usually answer that dedicated line with, 'hello glass line' or something similar. This may give you the impression you're talking to your insurer...
One thing is clear (looking at it from a consumer POV) is that this subject is not made clear by the insurers. Just like the matter of approved/nominated/preferred repairers isn't made clear before inception. Using words and terms like, 'windscreen cover is unlimited' is not good enough if the (hard to find) smallprint stipulates an addendum, "as long as our nominated repairer is used".
Glassman said:
I won't disagree with you. However, a lot of people might. I've had countless people tell me how it did affect their NCD or premium after a glass claim was made (insurers as well as, or other than Swift).
One thing is clear (looking at it from a consumer POV) is that this subject is not made clear by the insurers. Just like the matter of approved/nominated/preferred repairers isn't made clear before inception. Using words and terms like, 'windscreen cover is unlimited' is not good enough if the (hard to find) smallprint stipulates an addendum, "as long as our nominated repairer is used".
What's far more likely is that people saw their premium go up amd have connected the dots incorrectly to any windscreen claim. Insurers genuinely do not care about the cost of a windscreen claim. It's a minor incidental cost and whilst aggregated up over a year it is a lot of money to you and me, to an overall first party spend running into the £billions per annum, it's neither here nor there. One thing is clear (looking at it from a consumer POV) is that this subject is not made clear by the insurers. Just like the matter of approved/nominated/preferred repairers isn't made clear before inception. Using words and terms like, 'windscreen cover is unlimited' is not good enough if the (hard to find) smallprint stipulates an addendum, "as long as our nominated repairer is used".
Seriously, there is no loading for windscreen claims.
Insurers actually want you to repair / replace your screen when needed at a low cost to you as a policyholder. It's better to spend £300 from an insurers perspective, than have a screen fail leading to a big claim down the line.
Kentish said:
V8forweekends said:
Kentish said:
NCD was supposed to reward the safer driver.
No NCD was supposed reward the driver who didn't claim - the clue is in the name.I'm glad we agree!
It's a no claim bonus, not a no blame bonus.
V8forweekends said:
We're going slightly off topic - but you might have to claim for one of the st happens things where you were being a perfectly safe driver (or weren't even driving - for example theft) in which case, in spite of being a "safer" driver, you lose your NCD.
It's a no claim bonus, not a no blame bonus.
Two years, the norm is that you lose 2 years NCD for the first claim in any policybyear and tempest for any subsequent claim in the same policy year. It's a no claim bonus, not a no blame bonus.
That assumes you've not protected it.
Yes, but after 30+ years in the insurance industry all I can say about private motor insurance is that these days it is a p*ss-take / bend-over and drop 'em scenario.
You may spend years to get a full NCD and inevitably PAY for NCD protection, but if you make any sort of claim insurers just load the premium instead because they can't take anything off the NCD, so you end up paying more anyway!
Aviva, RSA, Allianz, Direct Line, Churchill, Hastings, Admiral, LV and/or any other(s) are welcome to explain this scenario - but they won't because they can't!!!!!!!!!!! Except their approach generates "added value" (read revenue) for their shareholders.
Still at least HM Gov still gets its Insurance Premium Tax on what you have to pay for what is a compulsory insurance purchase - other compulsory purchases like PPE don't attract tax (i.e. VAT is deductible) but such items are usually bought by businesses who have a bit more lobbying power!
You may spend years to get a full NCD and inevitably PAY for NCD protection, but if you make any sort of claim insurers just load the premium instead because they can't take anything off the NCD, so you end up paying more anyway!
Aviva, RSA, Allianz, Direct Line, Churchill, Hastings, Admiral, LV and/or any other(s) are welcome to explain this scenario - but they won't because they can't!!!!!!!!!!! Except their approach generates "added value" (read revenue) for their shareholders.
Still at least HM Gov still gets its Insurance Premium Tax on what you have to pay for what is a compulsory insurance purchase - other compulsory purchases like PPE don't attract tax (i.e. VAT is deductible) but such items are usually bought by businesses who have a bit more lobbying power!
Mr Tidy said:
Yes, but after 30+ years in the insurance industry all I can say about private motor insurance is that these days it is a p*ss-take / bend-over and drop 'em scenario.
You may spend years to get a full NCD and inevitably PAY for NCD protection, but if you make any sort of claim insurers just load the premium instead because they can't take anything off the NCD, so you end up paying more anyway!
Aviva, RSA, Allianz, Direct Line, Churchill, Hastings, Admiral, LV and/or any other(s) are welcome to explain this scenario - but they won't because they can't!!!!!!!!!!! Except their approach generates "added value" (read revenue) for their shareholders.
Still at least HM Gov still gets its Insurance Premium Tax on what you have to pay for what is a compulsory insurance purchase - other compulsory purchases like PPE don't attract tax (i.e. VAT is deductible) but such items are usually bought by businesses who have a bit more lobbying power!
30 years and you still like to use multiple exclamation marks and spout wibble. You may spend years to get a full NCD and inevitably PAY for NCD protection, but if you make any sort of claim insurers just load the premium instead because they can't take anything off the NCD, so you end up paying more anyway!
Aviva, RSA, Allianz, Direct Line, Churchill, Hastings, Admiral, LV and/or any other(s) are welcome to explain this scenario - but they won't because they can't!!!!!!!!!!! Except their approach generates "added value" (read revenue) for their shareholders.
Still at least HM Gov still gets its Insurance Premium Tax on what you have to pay for what is a compulsory insurance purchase - other compulsory purchases like PPE don't attract tax (i.e. VAT is deductible) but such items are usually bought by businesses who have a bit more lobbying power!
NCD protection is just that, it protects your discount. It's not premium protection. The premium will always rise after a claim as your risk has increased. What you are protecting is the discount you get off this increased premium. For example a 70% discount is fairly normal (although not a reflection of all for the benefit of BertBert). If your premium (after all other rating factors) is £1000 then you'll pay £300. If you then claim and the premium rises to £2000 (hughly unlikely but used for easy maths) then you would pay £600 with protected NCD or c£1200 without protected NCD as it would reduce to around 40%
It's not a difficult concept to grasp. I'd love to know what you did for those 30 years in insurance. Probably IT or Projects within an insurer, rather than actually working with insurance.
MattYorke said:
The way autoglass rip off, I'm not surprised.
Broke the windscreen on my landrover. It's on a specialist policy that doesn't have windscreen cover, so I phoned autoglass for a quote.
Can't remember the exact number, but they wanted about 200 smackers to replace the glass.
I thought, OK, if that's a genuine screen, fair enough, as they aint cheap. Check with the autoglass rep, no, it's not genuine LR glass.
Hmm - went and did a bit of googling. Non genuine screens cost 33 quid, and 15 quid for a new seal.
Took about an hour (bearing in mind I was slow, never having done one before) to fit, total cost about 50 quid.
I don't mind paying for convenience, and I don't mind paying a fair whack for the work done, but 150 quid for less than an hour just takes the pi$$.
That's £150 for the labour involved in fitting the windscreen, the time taken to drive to your location, the cost of running their vehicle, the cost of the admin staff to handle the ordering, stocking and handling of parts, the staff to handle phone enquiries and take orders (or the web ordering facility), the cost of running the web site, the cost of the premises to support all of the aforementioned organisation, the cost of the management necessary to oversee all of the above, the cost of training all of the people involved, the taxes (VAT and corporation tax on profit), the cost of taking and processing card payments and banking, etc etc etc. Broke the windscreen on my landrover. It's on a specialist policy that doesn't have windscreen cover, so I phoned autoglass for a quote.
Can't remember the exact number, but they wanted about 200 smackers to replace the glass.
I thought, OK, if that's a genuine screen, fair enough, as they aint cheap. Check with the autoglass rep, no, it's not genuine LR glass.
Hmm - went and did a bit of googling. Non genuine screens cost 33 quid, and 15 quid for a new seal.
Took about an hour (bearing in mind I was slow, never having done one before) to fit, total cost about 50 quid.
I don't mind paying for convenience, and I don't mind paying a fair whack for the work done, but 150 quid for less than an hour just takes the pi$$.
Glassman said:
This may not be the case in this instance, but it is worth noting that when calling an insurer in the event of a glass claim, there may be a specific number to call, or an option to select at the automated switchboard. Your call does not always go to the insurer.
If/when this happens, the person answering the call will usually answer that dedicated line with, 'hello glass line' or something similar. This may give you the impression you're talking to your insurer...
Thats exactly what happened in my case.If/when this happens, the person answering the call will usually answer that dedicated line with, 'hello glass line' or something similar. This may give you the impression you're talking to your insurer...
LoonR1 said:
Mr Tidy said:
Yes, but after 30+ years in the insurance industry all I can say about private motor insurance is that these days it is a p*ss-take / bend-over and drop 'em scenario.
You may spend years to get a full NCD and inevitably PAY for NCD protection, but if you make any sort of claim insurers just load the premium instead because they can't take anything off the NCD, so you end up paying more anyway!
Aviva, RSA, Allianz, Direct Line, Churchill, Hastings, Admiral, LV and/or any other(s) are welcome to explain this scenario - but they won't because they can't!!!!!!!!!!! Except their approach generates "added value" (read revenue) for their shareholders.
Still at least HM Gov still gets its Insurance Premium Tax on what you have to pay for what is a compulsory insurance purchase - other compulsory purchases like PPE don't attract tax (i.e. VAT is deductible) but such items are usually bought by businesses who have a bit more lobbying power!
30 years and you still like to use multiple exclamation marks and spout wibble. You may spend years to get a full NCD and inevitably PAY for NCD protection, but if you make any sort of claim insurers just load the premium instead because they can't take anything off the NCD, so you end up paying more anyway!
Aviva, RSA, Allianz, Direct Line, Churchill, Hastings, Admiral, LV and/or any other(s) are welcome to explain this scenario - but they won't because they can't!!!!!!!!!!! Except their approach generates "added value" (read revenue) for their shareholders.
Still at least HM Gov still gets its Insurance Premium Tax on what you have to pay for what is a compulsory insurance purchase - other compulsory purchases like PPE don't attract tax (i.e. VAT is deductible) but such items are usually bought by businesses who have a bit more lobbying power!
NCD protection is just that, it protects your discount. It's not premium protection. The premium will always rise after a claim as your risk has increased. What you are protecting is the discount you get off this increased premium. For example a 70% discount is fairly normal (although not a reflection of all for the benefit of BertBert). If your premium (after all other rating factors) is £1000 then you'll pay £300. If you then claim and the premium rises to £2000 (hughly unlikely but used for easy maths) then you would pay £600 with protected NCD or c£1200 without protected NCD as it would reduce to around 40%
It's not a difficult concept to grasp. I'd love to know what you did for those 30 years in insurance. Probably IT or Projects within an insurer, rather than actually working with insurance.
You fit into a risk profile, and your basic policy costs x. That gets discounted by your NCD.
Negative things can change your risk profile, such as claims moving house etc, as can positive things like experience, age etc. These will alter your basic insurance cost.
Its not rocket surgery.
Does Mr Tidy,with 30 years in the industry, wonder what an insurance Actuary does?
Edited by 98elise on Thursday 29th January 17:02
paranha said:
How successful would a blameless insured driver be, if claiming off the Third party through a small claims court action, for the increased next year premium.?
The accepted wisdom seems to be that you can always approach an alternative insurer, so I would guess: unsuccessful. LoonR1 said:
Glassman said:
LoonR1 said:
The premium will always rise after a claim as your risk has increased.
...except for windscreen/glass claims, is that right? Or...Gassing Station | General Gassing | Top of Page | What's New | My Stuff