Windscreen Claims WILL Affect Your NCD
Discussion
Glassman said:
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...A glass claim does NOT affect your NCD or your premium as a general rule. The only insurer that I'm aware of where it does affect anything is Swiftcover.
All other fault / split fault claims will affect your NCD and premium.
A nonfault claim when resolved will not affect your NCD, with some insurers your premiums may rise, with others fall amd with others stay the same.
swisstoni said:
LoonR1 said:
The OP clearly has his own agenda.
And you don't?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.?
None whatsoever. Nil. Zero. Zilch. Nada. Rien. And even less with a glass claim
I used Autoglass, rang for a quote as was going to pay myself. That will be £175 sir, great please complete the work.
On the day of the works, fitter turned up with paperwork. He suggested that I could claim on my insurance and without thinking signed the forms and work was completed. Didn't think much more of it.
Some time later received a letter from my insurance company stating they had received a invoice from Autoglass and I was not covered for Windscreen therefore please find enclosed the invoice to pay directly.
No issues, my fault and should have checked the policy.
Then........ noticed the Autoglass invoice to the insurance company was not the £175 quoted but had risen to £480.
Following this had a major fall out with them where they denied the quote and refused to reduce the costs, this got silly with me telling them to come and remove the windscreen and take it away. Anyway eventually agreed on a reasonable amount but have never dealt with people so aggressive and unwilling to say anything apart from give me your money.
So lessons learnt.... they rip off insurance companies and always get a quote in writing.
On the day of the works, fitter turned up with paperwork. He suggested that I could claim on my insurance and without thinking signed the forms and work was completed. Didn't think much more of it.
Some time later received a letter from my insurance company stating they had received a invoice from Autoglass and I was not covered for Windscreen therefore please find enclosed the invoice to pay directly.
No issues, my fault and should have checked the policy.
Then........ noticed the Autoglass invoice to the insurance company was not the £175 quoted but had risen to £480.
Following this had a major fall out with them where they denied the quote and refused to reduce the costs, this got silly with me telling them to come and remove the windscreen and take it away. Anyway eventually agreed on a reasonable amount but have never dealt with people so aggressive and unwilling to say anything apart from give me your money.
So lessons learnt.... they rip off insurance companies and always get a quote in writing.
sampsan said:
I used Autoglass, rang for a quote as was going to pay myself. That will be £175 sir, great please complete the work.
On the day of the works, fitter turned up with paperwork. He suggested that I could claim on my insurance and without thinking signed the forms and work was completed. Didn't think much more of it.
Some time later received a letter from my insurance company stating they had received a invoice from Autoglass and I was not covered for Windscreen therefore please find enclosed the invoice to pay directly.
No issues, my fault and should have checked the policy.
Then........ noticed the Autoglass invoice to the insurance company was not the £175 quoted but had risen to £480.
Following this had a major fall out with them where they denied the quote and refused to reduce the costs, this got silly with me telling them to come and remove the windscreen and take it away. Anyway eventually agreed on a reasonable amount but have never dealt with people so aggressive and unwilling to say anything apart from give me your money.
So lessons learnt.... they rip off insurance companies and always get a quote in writing.
Are you sure it was Autoglass, and not the Camorra? On the day of the works, fitter turned up with paperwork. He suggested that I could claim on my insurance and without thinking signed the forms and work was completed. Didn't think much more of it.
Some time later received a letter from my insurance company stating they had received a invoice from Autoglass and I was not covered for Windscreen therefore please find enclosed the invoice to pay directly.
No issues, my fault and should have checked the policy.
Then........ noticed the Autoglass invoice to the insurance company was not the £175 quoted but had risen to £480.
Following this had a major fall out with them where they denied the quote and refused to reduce the costs, this got silly with me telling them to come and remove the windscreen and take it away. Anyway eventually agreed on a reasonable amount but have never dealt with people so aggressive and unwilling to say anything apart from give me your money.
So lessons learnt.... they rip off insurance companies and always get a quote in writing.
Glassman said:
sampsan said:
I used Autoglass, rang for a quote as was going to pay myself. That will be £175 sir, great please complete the work.
On the day of the works, fitter turned up with paperwork. He suggested that I could claim on my insurance and without thinking signed the forms and work was completed. Didn't think much more of it.
Some time later received a letter from my insurance company stating they had received a invoice from Autoglass and I was not covered for Windscreen therefore please find enclosed the invoice to pay directly.
No issues, my fault and should have checked the policy.
Then........ noticed the Autoglass invoice to the insurance company was not the £175 quoted but had risen to £480.
Following this had a major fall out with them where they denied the quote and refused to reduce the costs, this got silly with me telling them to come and remove the windscreen and take it away. Anyway eventually agreed on a reasonable amount but have never dealt with people so aggressive and unwilling to say anything apart from give me your money.
So lessons learnt.... they rip off insurance companies and always get a quote in writing.
Are you sure it was Autoglass, and not the Camorra? On the day of the works, fitter turned up with paperwork. He suggested that I could claim on my insurance and without thinking signed the forms and work was completed. Didn't think much more of it.
Some time later received a letter from my insurance company stating they had received a invoice from Autoglass and I was not covered for Windscreen therefore please find enclosed the invoice to pay directly.
No issues, my fault and should have checked the policy.
Then........ noticed the Autoglass invoice to the insurance company was not the £175 quoted but had risen to £480.
Following this had a major fall out with them where they denied the quote and refused to reduce the costs, this got silly with me telling them to come and remove the windscreen and take it away. Anyway eventually agreed on a reasonable amount but have never dealt with people so aggressive and unwilling to say anything apart from give me your money.
So lessons learnt.... they rip off insurance companies and always get a quote in writing.
LoonR1 said:
Right, let's start again.
A glass claim does NOT affect your NCD or your premium as a general rule. The only insurer that I'm aware of where it does affect anything is Swiftcover.
I am with Swiftcover and have a chip on my windscreen - if I claim what is the effect on my premium?A glass claim does NOT affect your NCD or your premium as a general rule. The only insurer that I'm aware of where it does affect anything is Swiftcover.
Glassman said:
LoonR1 said:
excuse me for trying to correct the ill -informed and simply incorrect stuff being posted on this thread.
Can we see some facts please? It seems most insurers don't like putting any of this stuff in writing. The thread title can be disproven via policy booklets.
addey said:
I am with Swiftcover and have a chip on my windscreen - if I claim what is the effect on my premium?
No idea. Ask them, there are literally thousands of rating factors all of which will interact to produce your premium. Aviva
Section 11 page 26
http://www.aviva.co.uk/static/library/pdfs/motor/m...
I'm bored now. Feel free to pick an an insurer and Google "<my choice of insurer> car insurance policy booklet" and look for windscreen damage.
Section 11 page 26
http://www.aviva.co.uk/static/library/pdfs/motor/m...
I'm bored now. Feel free to pick an an insurer and Google "<my choice of insurer> car insurance policy booklet" and look for windscreen damage.
LoonR1 said:
Glassman said:
LoonR1 said:
excuse me for trying to correct the ill -informed and simply incorrect stuff being posted on this thread.
Can we see some facts please? It seems most insurers don't like putting any of this stuff in writing. The thread title can be disproven via policy booklets.
addey said:
I am with Swiftcover and have a chip on my windscreen - if I claim what is the effect on my premium?
No idea. Ask them, there are literally thousands of rating factors all of which will interact to produce your premium. Glassman said:
You keep referring back to NCD; what about premiums? In one comment you state risk is deemed to have increased after a making a claim... does this include glass claims or not? I've talked to a lot of people who have been told of their premium going up after a glass claim. You're saying this can't be true, yet you're not backing it up with any real fact.
How specifically do they know the Glass claim affected the premium?It could have just been rate increases on the car model, the postal code, the occupation etc etc
When people renew the first thing they think is "oh nothings changed" which maybe true but that doesn't mean your risk profile remains the same.
The people you have spoken to probably saw an increase and just attributed it to the glass claim when in fact it was nothing to do with it.
Glassman said:
You keep referring back to NCD; what about premiums? In one comment you state risk is deemed to have increased after a making a claim... does this include glass claims or not? I've talked to a lot of people who have been told of their premium going up after a glass claim. You're saying this can't be true, yet you're not backing it up with any real fact.
I've already explained about premiums. This is co peteyive advamtage and wouldn't be shared. Do you share the rates you pay with your competitors, or the salvoes, or your rent payments, or the costs of your vehicles. I doubt it. The great is entitled "Windscreen claims WILL affect your NCD" which I have successfully debunked. I can not debunk the premium bit, as it's information that no same business would share.
Tell you what here's one.
"All glass repair / replacement companies pay less than minimum wage to their staff" now to debunk this, I want you to provide the salaries of each of your staff please.
And to bring some closure I've quoted your opening post below. It's clear that you have chosen Hastings Direct as the prompt for this whole thread over 4 years ago. Here's the Hastings booklet
http://www.hastingsdirect.com/documents/Policy_doc...
Section 8 page 25
http://www.hastingsdirect.com/documents/Policy_doc...
Section 8 page 25
Glassman said:
Hastings Direct are reported to be revising their policies to include a few interesting changes, one stands out quite clearly: "windscreen claims will affect no claims discounts and excesses will be doubled if policyholders choose their own repairer." This is to enable HD to offer drivers a 'no frills comprehensive car insurance policy to help cut motoring costs.
Furthermore, Equity Red Star, Fortis and NIG are to withdraw from personal lines, ie, private motor insurance (according to a broker in London). These are the type of policies that are bread and butter to a lot of brokers; with price online sales and price comparison websites it's a tough business for the motor insurance broker. But it's not just the guys in the broker world, with these changes to Key Facts and underwriters pulling out of motor insurance, is this the industry stepping sideways?
For the policyholder (with HD) this means (in the event of a windscreen claim) you will go with who we tell you to, or you get your wallet spanked.
Furthermore, Equity Red Star, Fortis and NIG are to withdraw from personal lines, ie, private motor insurance (according to a broker in London). These are the type of policies that are bread and butter to a lot of brokers; with price online sales and price comparison websites it's a tough business for the motor insurance broker. But it's not just the guys in the broker world, with these changes to Key Facts and underwriters pulling out of motor insurance, is this the industry stepping sideways?
For the policyholder (with HD) this means (in the event of a windscreen claim) you will go with who we tell you to, or you get your wallet spanked.
LoonR1 said:
And to bring some closure I've quoted your opening post below. It's clear that you have chosen Hastings Direct as the prompt for this whole thread over 4 years ago. Here's the Hastings booklet
http://www.hastingsdirect.com/documents/Policy_doc...
Section 8 page 25
http://www.hastingsdirect.com/about-us/news/100726.htmlhttp://www.hastingsdirect.com/documents/Policy_doc...
Section 8 page 25
Glassman said:
Hastings Direct are reported to be revising their policies to include a few interesting changes, one stands out quite clearly: "windscreen claims will affect no claims discounts and excesses will be doubled if policyholders choose their own repairer." This is to enable HD to offer drivers a 'no frills comprehensive car insurance policy to help cut motoring costs.
Furthermore, Equity Red Star, Fortis and NIG are to withdraw from personal lines, ie, private motor insurance (according to a broker in London). These are the type of policies that are bread and butter to a lot of brokers; with price online sales and price comparison websites it's a tough business for the motor insurance broker. But it's not just the guys in the broker world, with these changes to Key Facts and underwriters pulling out of motor insurance, is this the industry stepping sideways?
For the policyholder (with HD) this means (in the event of a windscreen claim) you will go with who we tell you to, or you get your wallet spanked.
Furthermore, Equity Red Star, Fortis and NIG are to withdraw from personal lines, ie, private motor insurance (according to a broker in London). These are the type of policies that are bread and butter to a lot of brokers; with price online sales and price comparison websites it's a tough business for the motor insurance broker. But it's not just the guys in the broker world, with these changes to Key Facts and underwriters pulling out of motor insurance, is this the industry stepping sideways?
For the policyholder (with HD) this means (in the event of a windscreen claim) you will go with who we tell you to, or you get your wallet spanked.
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