Windscreen Claims WILL Affect Your NCD

[F1pump]

No no glassman , i use a local guy for that ,but i guess you assumed that, i do a couple of project cars each year usually italian stuff , will be on the look out for a screen to be made soon for a re-creation project .....any ideas who to approach

[Alex106]

I noticed my screen had two cracks on when I removed the ice with a scrapper (not a kettle) this morning.

Rang a local place. £132 they come to me. I dont have windscreen cover on my policy. I at first kicked myself, but I also worked out that I have never had windscreen cover since I started driving.

Just read the terms and it states Id have to pay the first £75 anyway for a replacement. Chip repairs would be free.

I think it would have cost me more to pay each year for the cover than it will cost me now.

Lastly I rang my insurance company and they said windscreen repair or replacement wont affect my NCD.


ETA: Rang AutoGlass they wanted £318. No thankyou Mr Autoglass!

Edited by Alex106 on Thursday 17th January 14:30

[Glassman]

Alex106 said:

I rang my insurance company and they said windscreen repair or replacement wont affect my NCD.

...and your premium on renewal?

[Alex106]

Glassman said:

...and your premium on renewal?

Didnt ask. Seems a shade unfair for them to add to any premium for the replacement as the damage is unlikely to be the drivers fault.

I guess that is why they are rich and I am not.

[Glassman]

Alex106 said:

Didnt ask. Seems a shade unfair for them to add to any premium for the replacement as the damage is unlikely to be the drivers fault.

I guess that is why they are rich and I am not.

It's also unfair to ask how much NCD you have before giving you the quote.

[Terminator X]

joebongo said:

That's cos Autoglass and their "2 hour video in the back room" trained ilk cock it up so often but must be the cheapest option for the insurers.

Edited by joebongo on Saturday 7th August 08:21

These s have fked up my windscreen so many times that I refuse to use them any more / ever again

TX.

[Kentish]

Why should windscreen claims affect your NCD at all; it's not as though it's a reflection on your driving is it, or you can avoid the stone flicked up by another passing car.

[Glassman]

F1pump said:

No no glassman , i use a local guy for that ,but i guess you assumed that, i do a couple of project cars each year usually italian stuff , will be on the look out for a screen to be made soon for a re-creation project .....any ideas who to approach

There are a couple of options...

Shall we take this to email?

[Kentish]

Glassman said:

F1pump said:

No no glassman , i use a local guy for that ,but i guess you assumed that, i do a couple of project cars each year usually italian stuff , will be on the look out for a screen to be made soon for a re-creation project .....any ideas who to approach

There are a couple of options...

Shall we take this to email?

I can highly recommend Paul; he's has probably forgotten by now but a few years back he sorted me out with a rear screen on a car I was building and I can only praise the efforts to get the glass and quality of workmanship.

[saaby93]

A mate just had their windscreen replaced by a standard well known windscreen repairer recommended (mandated) by their insurance company.
Job is ok but the screen doesn't have the internal black sunscreen dots like the original.
Would/should anyone complain?

[Glassman]

saaby93 said:

A mate just had their windscreen replaced by a standard well known windscreen repairer recommended (mandated) by their insurance company.
Job is ok but the screen doesn't have the internal black sunscreen dots like the original.
Would/should anyone complain?

It's more than likely a copy; the back dots (or blacked out area) is a silk-printed ceramic paint.

What is the brand of glass (and what car is it) ?

[littlebasher]

When Gavin and his mates pulled the cracked Windscreen out of a Trajet we used to have(don't laugh, her choice), it was at this point they discovered the replacement was for a different car.

2 days to get other

[LoonR1]

The OP clearly has his own agenda. However look at it his way. Everyone wants cheaper insurance but seem to expect this without the insurer being able to control their costs. How do you expect this to work?

I know the deal we have with major glass suppliers and yes we've screwed them on margin but they have huge volume so gain that way.

We can't offer a Rolls Royce product at Dacia prices. Simple really.

[pimpin gimp]

I've been testing Gavin's statements recently. I've got a badass chip in the windscreen on my runflat equipped 3 series and have been doing my best not to avoid potholes, but using hot blowers on the windscreen. Not cracked yet, and it's not exactly got a forgiving ride!

[zap mc]

saaby93 said:

A mate just had their windscreen replaced by a standard well known windscreen repairer recommended (mandated) by their insurance company.
Job is ok but the screen doesn't have the internal black sunscreen dots like the original.
Would/should anyone complain?

Its a FAKE screen simple. In the same way a Gucci handbag is made to the "same standards" as the original handbag so the screen you have is the similar.

The whole of the madated insurance glass market is about fitting mickey mouse lookey likey parts because they are cheaper.

If policyholder took responsibility for the management and cost of the claim initially this would not happen but people are skinflints and lazy and the insurers prey on this to monopolise the process.

If I ever need a screen fitted I get an original and pay for it myself before reclaiming it back, its hassle initially but better in the long run.

The insurers do not care how much they are charged for this tat because they get a big fat rebate from the glass company at the end of the year that gets allocated to a different cost centre. So they make loads of money whilst at the same time pretending that they are not making a profit on car insurance. nice

Here are the figures:
500 000 policyholders and a 1:14 ratio of glass claims at £150 average yeilds a £5.25M glass spend. 10% rebate = £0.5M! drinks all round!

[LoonR1]

Wow. A whole £500k. Given I've had two claims since New Year that total £8m its hardly a life changing amount.

It might be a lot of money to you personally. To a business it's not.

[Terminator X]

LoonR1 said:

We can't offer a Rolls Royce product at Dacia prices. Simple really.

Lol the insurance companies aren't offering insurance at Dacia prices! What is happening though is that they are improving their margin by charging us the same or more whilst delivering a ste quality product whilst also hammering the profit of their suppliers. I had to fight tooth and nail to get an OE windscreen last time after the screen they used failed after less than a week. The previous OE screen had been on the car for 7 years ffs.

TX.

[LoonR1]

Lol back at you. If you believe insurance is so profitable why isn't someone doing it cheaper? It's a waste of time me explaining where the profit is and where it isn't as most people believe its expensive.

If you look at the true technical price you'd see the bargain it still is. The bargains are just not quite as good nowadays.

[GC8]

Ive always wondered how insurance policies have absorbed the cost, when one windscreen can cost more than a policy used to.

Even if they had Autoglass et al screwed down all the way on price, it still seems too good to be true.

[crossy67]

zap mc said:

Its a FAKE screen simple. In the same way a Gucci handbag is made to the "same standards" as the original handbag so the screen you have is the similar.

The whole of the madated insurance glass market is about fitting mickey mouse lookey likey parts because they are cheaper.

If policyholder took responsibility for the management and cost of the claim initially this would not happen but people are skinflints and lazy and the insurers prey on this to monopolise the process.

If I ever need a screen fitted I get an original and pay for it myself before reclaiming it back, its hassle initially but better in the long run.

The insurers do not care how much they are charged for this tat because they get a big fat rebate from the glass company at the end of the year that gets allocated to a different cost centre. So they make loads of money whilst at the same time pretending that they are not making a profit on car insurance. nice

Here are the figures:
500 000 policyholders and a 1:14 ratio of glass claims at £150 average yeilds a £5.25M glass spend. 10% rebate = £0.5M! drinks all round!

Good post Mac.

How the hell do you think they can insure a £40k car for £400/y?

Insurance (especially in the UK) is ridiculously cheap (or was). People always believe they are being ripped off and there's always a bargain to be had. It's a Rip Off Britain throwback. Well, maybe there is a cheaper bargain but you can bet your ass it's at the expense of something. Usually it's the repairers that are feeling the squeeze every one else puts on the insurance companies. These people feel the right to complain about the quality of the repair that the repairer has had to find staff that will work for low enough pay to make the £22/h feasible.