Windscreen Claims WILL Affect Your NCD

[mrtwisty]

Thread ressurection MkII

The OH has managed to crack her windscreen (from the inside... don't ask...) She's insured by the chap with the funny hat, naval man, you know... Her excess is £75, ncd not affected, BUT - will the core premium be loaded for several years if she claims?

I've had a quote of £125 to get it done locally, so would probably work out cheaper in the long run if it was the case that her premiums went up after a claim.

What's the score guys?

[mrtwisty]

Bump for the afternoon crowd

[B'stard Child]

mrtwisty said:

Thread ressurection MkII

The OH has managed to crack her windscreen (from the inside... don't ask...) She's insured by the chap with the funny hat, naval man, you know... Her excess is £75, ncd not affected, BUT - will the core premium be loaded for several years if she claims?

I've had a quote of £125 to get it done locally, so would probably work out cheaper in the long run if it was the case that her premiums went up after a claim.

What's the score guys?

Have you asked the customer service dept from the company with funny hats?

[Kentish]

NCD was supposed to reward the safer driver.

Obviously this is no longer the case.

How can you avoid a flying stone?

Yet another squeeze on the motorist.

[Mabbs9]

I had lots of chips on a BM 3 series. I checked with Autoglass how much to replace it. The Quote was just shy of £500. Nuts.

[V8forweekends]

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.

[Glassman]

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.

Confucius say, safer driver make no claim.

[graham22]

The point being missed here is that by using one national supplier, the insurer only has to make one payment a month (at a discounted cost) rather than to many differing invoices etc - unfortunately it's the ways of big companies who are being forced to cut costs by comparisom websites (OK better savings could be made elsewhere but that's not the point of this thread).

Another factor is Autoglass only do windscreens. As a broker I've seen windscreen invoices from garages who don't do windscreens coincedently when their customer has recently had an unexpected mechanical repair or MoT bill. I've also seen invoices from independent glass replacement companies for work that's never been done - no inspection of broken glass = nice little earner for customer & glass co.

In nearly 30 years of driving I've had 1 windscreen and 2 chip repairs yet I see customers with several breakages over a short period.

I do feel that ultimately this will benefit the smaller local repairers.

[BenNC2]

I had a chip in the windscreen fixed through the sailor chap, as you said NCD unaffected and there was no increase for the policy in the subsequent year. This was 2013 though so it may be worth checking if this still would be the case.

Another point to note is that I'm still building my NCD (only owned my own vehicle for 2 years) so any increase in NCD may have offset the increase in policy cost.

[Glassman]

graham22 said:

The point being missed here is that by using one national supplier, the insurer only has to make one payment a month (at a discounted cost) rather than to many differing invoices etc - unfortunately it's the ways of big companies who are being forced to cut costs by comparisom websites (OK better savings could be made elsewhere but that's not the point of this thread).

Another factor is Autoglass only do windscreens. As a broker I've seen windscreen invoices from garages who don't do windscreens coincedently when their customer has recently had an unexpected mechanical repair or MoT bill. I've also seen invoices from independent glass replacement companies for work that's never been done - no inspection of broken glass = nice little earner for customer & glass co.

In nearly 30 years of driving I've had 1 windscreen and 2 chip repairs yet I see customers with several breakages over a short period.

I do feel that ultimately this will benefit the smaller local repairers.

Can't argue with any of that TBF.

There are all sorts of issues which ever way you look at it. Ultimately, the way things are, the bottom line is cost. By imposing limits, or capping payouts to non-approved repairers means they [the insurers] can benefit from the average invoice value their nominated supplier gives them under their agreement.

For all the smaller companies who state they're 'insurance approved', they're not. They are bound by some very badly written (and biased) terms and conditions set out by the insurance company's nominated supplier [cough]a company also owned by the same parent company as their nominated supplier[/cough] to whom they are contracted to, acting as a price comparator using a supplier invoice control program ( "SICP" ) under the 'trading name' of Glasscare (owned by Belron, who also own Autoglass) or windscreen invoice control system ( "WICS" ) operated by Nationwide Network Services (who also run Nationwide Motorglass) and 'Quick Quote' which is operated by the same people behind National Windscreens... you get the picture!

Not only are these smaller companies helping the larger companies get away with murder, they're providing them with work (yes, these non-approved supplier invoices can be 'billed on' for a commission/fee!) they are also contributing to their own demise.

[BorkFactor]

I had my windscreen replaced by Bell and called up before hand asking them if I was to hypothetically claim for a windscreen, would it affect my no claims? I was told no, it had no bearing on it at all.

Come renewal time I put my details in on their website without mentioning it and the price was identical, so for the Admiral group at least it doesn't do anything.

[Glassman]

BorkFactor said:

I had my windscreen replaced by Bell and called up before hand asking them if I was to hypothetically claim for a windscreen, would it affect my no claims? I was told no, it had no bearing on it at all.

Come renewal time I put my details in on their website without mentioning it and the price was identical, so for the Admiral group at least it doesn't do anything.

So many contrasting accounts. I've spoken to over a dozen people over the last few months, all of whom were insured with Admiral. Thy all stated that a glass claim had some bearing on their renewal. By contrast, many said there was no change whatsover.

[crossy67]

graham22 said:

I've also seen invoices from independent glass replacement companies for work that's never been done - no inspection of broken glass = nice little earner for customer & glass co.

I've owned my own small independent windscreen company and worked for a few others, including Autoglass. Whilst working at other indies I have never, never seen anything billed that wasn't fitted or done. On the other hand whilst at Autoglass I have also never seen bills being issued for parts not used but I have on a daily basis seen parts being used that were not needed to up the branch turnover and earn the management staff a better bonus.

If you believe national companies to be squeaky clean you need to look into Auto Windscreens, a few years back they got been caught doing exactly what you claim indies have done but being national they were able to do it on a national scale.

[Dannbodge]

I thought I had commented on a thread similar to this already but hey.

I claimed for a windscreen 18 months ago. It went down as a "claim" on my insurance documents but didn't affect the price at all. Actually my premium dropped by nearly half instead.

I'm with Admiral too

Edited by Dannbodge on Thursday 29th January 08:25

[BorkFactor]

Glassman said:

So many contrasting accounts. I've spoken to over a dozen people over the last few months, all of whom were insured with Admiral. Thy all stated that a glass claim had some bearing on their renewal. By contrast, many said there was no change whatsover.

Maybe it was a Bell specific thing then? Rather than the Admiral group as a whole?

[Glassman]

crossy67 said:

graham22 said:

I've also seen invoices from independent glass replacement companies for work that's never been done - no inspection of broken glass = nice little earner for customer & glass co.

I've owned my own small independent windscreen company and worked for a few others, including Autoglass. Whilst working at other indies I have never, never seen anything billed that wasn't fitted or done. On the other hand whilst at Autoglass I have also never seen bills being issued for parts not used but I have on a daily basis seen parts being used that were not needed to up the branch turnover and earn the management staff a better bonus.

If you believe national companies to be squeaky clean you need to look into Auto Windscreens, a few years back they got been caught doing exactly what you claim indies have done but being national they were able to do it on a national scale.

It was a big problem when cutting a sunroof into the roof of a car was the fad. Supply and fit a sunroof and bill it as a windscreen.

[LoonR1]

This thread is genius, pretty well the only company where NCD is affected for a glass claim is Swiftcover. The other insurers treat it as an incidental despite the recent significant rises in glass costs.

[kuro]

My partners micra had a crack appear last week. I was thinking of avoiding a claim but I phoned hastings and they told me ncd would be unaffected so went ahead and claimed. Ill wait and see if the premium goes up next year. I have to say, autoglass did a great job on the refit today.

[stuart313]

Glassman said:

crossy67 said:

graham22 said:

I've also seen invoices from independent glass replacement companies for work that's never been done - no inspection of broken glass = nice little earner for customer & glass co.

I've owned my own small independent windscreen company and worked for a few others, including Autoglass. Whilst working at other indies I have never, never seen anything billed that wasn't fitted or done. On the other hand whilst at Autoglass I have also never seen bills being issued for parts not used but I have on a daily basis seen parts being used that were not needed to up the branch turnover and earn the management staff a better bonus.

If you believe national companies to be squeaky clean you need to look into Auto Windscreens, a few years back they got been caught doing exactly what you claim indies have done but being national they were able to do it on a national scale.

It was a big problem when cutting a sunroof into the roof of a car was the fad. Supply and fit a sunroof and bill it as a windscreen.

Apparently in the 70s or 80s one big company used to scatter ball bearings on the motorway in the early hours of the morning. So my mate says anyway.

[LoonR1]

stuart313 said:

Apparently in the 70s or 80s one big company used to scatter ball bearings on the motorway in the early hours of the morning. So my mate says anyway.

Of course they did