Windscreen Claims WILL Affect Your NCD
Discussion
RJ2DJ said:
They might not be able to vary the terms, but Admiral are quite prepared to increase the premium as a result of a windscreen claim. I've just been stung for £20 (about 8% of my policy cost) as I made a claim for a damaged windscreen. That's a mid-term increase. Pretty stingy if you ask me, they could just load that into the excess you have to pay instead.
Not surprising really.If you're planning a trip abroad check very carefully the T&Cs as to weather you are insured for glass, I have a few customers every year contact me because they have suffered a broken screen whilst driving down for their holidays. With Admiral and SAGA I can categorically say you are not covered to any more than £100. Maybe it's because their arrangements with their preferred suppliers are not allowed as most jobs would be loss leaders.
Here glass costs, labour, traveling and taxes mean the average screen replacement is around the 600€ and can very easily get into the 2k€ mark for Jap and (to the French market) exotic marques.
The other thing to remember is if a screen is damaged here the police can and do stop you driving it until it is replaced.
LoonR1 said:
The point remains that if people continue to buy predominantly on price then insurers will have to fifer these types of policy. There are many very, very good top end policies available but few buy these, despite them giving people exactly what they say they want. Why? Price. Simple as that.
Accepting what you say, I would reply: how do you buy on quality? The whole market appears to be based on price.RJ2DJ said:
They might not be able to vary the terms, but Admiral are quite prepared to increase the premium as a result of a windscreen claim. I've just been stung for £20 (about 8% of my policy cost) as I made a claim for a damaged windscreen. That's a mid-term increase. Pretty stingy if you ask me, they could just load that into the excess you have to pay instead.
They can't do that. You've either moved house, changed car or made some other adjustment. 
Just had a very interesting conversation with a customer who, despite having full windscreen cover for her (brand new Audi Q5) has decided to pay for a (genuine OEM) replacement windscreen.
She initially called Admiral insurance (on the glassline number) and was diverted to the preferred supplier (you know the one; three syllables. Third syllable: rhymes with grass). She said they informed her that they are required to notify her that her premium might be affected if she made a claim.
(There was also some dialogue about the authenticity of the glass and when she was told that the windscreen will be 'an equivalent' but not original, OEM Audi branded glass). Ergo: she though best to pay for it and keep her premium down.
I'll get more info from her when the job is done.
She initially called Admiral insurance (on the glassline number) and was diverted to the preferred supplier (you know the one; three syllables. Third syllable: rhymes with grass). She said they informed her that they are required to notify her that her premium might be affected if she made a claim.
(There was also some dialogue about the authenticity of the glass and when she was told that the windscreen will be 'an equivalent' but not original, OEM Audi branded glass). Ergo: she though best to pay for it and keep her premium down.
I'll get more info from her when the job is done.
Glassman said:
Just had a very interesting conversation with a customer who, despite having full windscreen cover for her (brand new Audi Q5) has decided to pay for a (genuine OEM) replacement windscreen.
She initially called Admiral insurance (on the glassline number) and was diverted to the preferred supplier (you know the one; three syllables. Third syllable: rhymes with grass). She said they informed her that they are required to notify her that her premium might be affected if she made a claim.
(There was also some dialogue about the authenticity of the glass and when she was told that the windscreen will be 'an equivalent' but not original, OEM Audi branded glass). Ergo: she though best to pay for it and keep her premium down.
I'll get more info from her when the job is done.
And still you bang on about this. She initially called Admiral insurance (on the glassline number) and was diverted to the preferred supplier (you know the one; three syllables. Third syllable: rhymes with grass). She said they informed her that they are required to notify her that her premium might be affected if she made a claim.
(There was also some dialogue about the authenticity of the glass and when she was told that the windscreen will be 'an equivalent' but not original, OEM Audi branded glass). Ergo: she though best to pay for it and keep her premium down.
I'll get more info from her when the job is done.
I had a customer tell me that redheads pay an extra £50 if they buy their glass direct from a repairer rather than through their insurer.
On a serious note, how have you verified this? They said "might" not "will", there are many things that might affect your premium at any given time. "Affect" can mean it moves either way as well.
You do love to bang on about OE vs aftermarket too. I think everyone knows that insurer approved windscreens tend to be aftermarket. If you want OE expect a mega cost to replace and an insurer who isn't paying for it.
Finally, your thread is about NCD and the Admiral policy booklet explicitly states that it doesn't affect your NCD.
LoonR1 said:
Finally, your thread is about NCD and the Admiral policy booklet explicitly states that it doesn't affect your NCD.
At the time of starting the thread it was accurate. Rather than start multiple threads on the subject, I chose to update this one with some more current information based on what other people had experienced (and it is evidently a subject of considerable interest). Mods: please change the title to 'Windscreen Claims Might Affect NCD and/or May Influence Your Insurance Premium'. Ta.
Glassman said:
LoonR1 said:
Finally, your thread is about NCD and the Admiral policy booklet explicitly states that it doesn't affect your NCD.
At the time of starting the thread it was accurate. Rather than start multiple threads on the subject, I chose to update this one with some more current information based on what other people had experienced (and it is evidently a subject of considerable interest). Mods: please change the title to 'Windscreen Claims Might Affect NCD and/or May Influence Your Insurance Premium'. Ta.
Why don't we just accept the following
1. Insurance companies only ever really fit aftermarket glass
2. This is cheaper than OE fit glass
3. Insurers screw the price down even more, so that Joe Public get their glass replaced at no real cost to them other than a small excess and no impact on NCD or premium with by far the majority of insurers
4. You want a slice of the pie, but at higher profit margins
5. Most of what you've posted on here is incorrect, or exaggerated
LoonR1 said:
How is it "evidently a subject of considerable interest"? The only people who are postings n this is you and me.
Because it's referred to quite a lot by people who have seen the thread but choose not to comment on it. This thread is also linked to other forums where the conversation flows for the interest and benefit of others. LoonR1 said:
...because it's your business and you dislike the big glass companies and their very small margin stranglehold on the huge insurance market.
Wrong. LoonR1 said:
4. You want a slice of the pie, but at higher profit margins
I'm trying to establish some clarity as a consumer, and as someone who is in a position where the question gets asked a lot (or that the subject is discussed a lot). My commercial interests lie far from these insurer-nominated/preferred supplier deals, so in this context, the inference is irrelevant. Glassman said:
LoonR1 said:
How is it "evidently a subject of considerable interest"? The only people who are postings n this is you and me.
Because it's referred to quite a lot by people who have seen the thread but choose not to comment on it. This thread is also linked to other forums where the conversation flows for the interest and benefit of others. LoonR1 said:
...because it's your business and you dislike the big glass companies and their very small margin stranglehold on the huge insurance market.
Wrong. LoonR1 said:
4. You want a slice of the pie, but at higher profit margins
I'm trying to establish some clarity as a consumer, and as someone who is in a position where the question gets asked a lot (or that the subject is discussed a lot). My commercial interests lie far from these insurer-nominated/preferred supplier deals, so in this context, the inference is irrelevant. Why not go and discuss it on the fora where you're clearly not getting challenged by anyone? I find it hard to believe that your interest in this is anything other than commercially motivated. Spreading lies and misinformation is quite interesting and I wonder how you'd react if someone did that about your business? I've no intention of doing it btw, as I don't know who you are IRL, I just find it interesting that you're keen to spread this stuff about with no evidence or proof of it at all. Surely you could check what Admiral are saying for yourself. Maybe one of the many interested people could check it.
I had a windscreen replaced last year, by auto glass, paid for by admiral (minus excess obviously). Didn't affect my renewal premium, or excess nor did they try and charge me a mid term fee. Surprisingly easy and hassle free and the bloke did a good job, which I was worried about after reading this and various other threads beforehand.
sjj84 said:
I had a windscreen replaced last year, by auto glass, paid for by admiral (minus excess obviously). Didn't affect my renewal premium, or excess nor did they try and charge me a mid term fee. Surprisingly easy and hassle free and the bloke did a good job, which I was worried about after reading this and various other threads beforehand.
GLASSMANyou pointedly ignore this comment and "note" the one that supports your point.
To be honest I'm tiring of arguing with your biased take on this and your blatantly obvious commercial argument to support your personal business. As I don't own an insurer then I have no such axe to grind.
LoonR1 said:
sjj84 said:
I had a windscreen replaced last year, by auto glass, paid for by admiral (minus excess obviously). Didn't affect my renewal premium, or excess nor did they try and charge me a mid term fee. Surprisingly easy and hassle free and the bloke did a good job, which I was worried about after reading this and various other threads beforehand.
GLASSMANyou pointedly ignore this comment and "note" the one that supports your point.
To be honest I'm tiring of arguing with your biased take on this and your blatantly obvious commercial argument to support your personal business. As I don't own an insurer then I have no such axe to grind.
Is that OK for you?
My windscreen on one of my cars cracked... Bigger then 2pounds coin so really needs replacing. I am with Admiral, 75 pounds excess to replace it or 260 pounds to replace by my own ( i quoted few companies). I`ve never been claiming, more or less is it better for my pocket to use Admiral, or not? 
Blainemono said:
My windscreen on one of my cars cracked... Bigger then 2pounds coin so really needs replacing. I am with Admiral, 75 pounds excess to replace it or 260 pounds to replace by my own ( i quoted few companies). I`ve never been claiming, more or less is it better for my pocket to use Admiral, or not?
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