Windscreen repair and insurance renewal - sigh

[MajorMantra]

I don't think I'll be claiming for chip repair again...

I'm currently looking for insurance using a popular comparison site. I was first quoted £587.24. Then I remembered that we'd had a windscreen chip fixed on my gf's old car. Adding that to the quote, it's now £634.94.

So that repair (on a rubbish car since sold) has cost £25 (the excess) plus £47.70 = 72.70.

Should have got one of those kits off ebay...

[MajorMantra]

kambites said:

To be fair OP, £70 isn't bad for fixing a windscreen. it would have been a LOT more if you'd had to pay for a replacement.

True, but since I'll have to declare it every year for the next 3-5 years, I suspect it's going to cost a lot more than that in the end!

While I'm at it, are those ebay repair kits any use? Current car has two small chips too. It's the bloody M5 roadworks...

[MajorMantra]

charltjr said:

Unusual for a windscreen chip repair to change the premium. Did you do the two quotes a few days apart as if so that's quite likely to be why the prices changed. If not then I'm quite surprised.

Nope, quoted back to back. Some cursory googling suggests this is perfectly normal. Glass claims don't affect NCB but there's nothing to stop them loading your premium down the line.

[MajorMantra]

I know exactly what it cost the insurers, because I just asked them - £20. (Plus my £25 makes £45.)

I feel like I've learnt a lesson here...

[MajorMantra]

uk_vette said:

This prompted me to look at my Direct Line fully comp insurance.
Excess is 75.00 for replace
10.00 for repair

It also states that a replacement will not affect NCD

As above, NCD =/ premium. The promise of not affecting NCD is how they sucker you into a claim. They more than make their money back in subsequent premium hikes.

In future I think I'll only consider using my windscreen cover if it's properly broken. For chip repairs it'll be DIY or man with a van.

[MajorMantra]

LoonR1 said:

Great conspiracy theory. What happens if you insure with a different company every coming year.

It's entirely possible not all insurers do this, but the cheapest quotes for me are from the Admiral group and declaring the claim quite clearly bumps up the premium - hardly a conspiracy theory. Insuring with a different company would cost more anyway in my case, so there would be no point.

LoonR1 said:

You don't need to declare windscreen repair claims either.

Well that's just your opinion. Confused.com says you do, presumably because they know some insurers take it into account. A claim is a claim.

[MajorMantra]

Sorry, the forum made that link automatically, not me. See here:

http://support.confused.com/confusedcom/topics/do_...

I didn't know confused was an Admiral company. Doesn't really matter though, since they are consistently cheapest for me regardless - I was running quotes on gocompare before I tried confused and getting similar (but slightly more expensive) results.