Windscreen Claims WILL Affect Your NCD
Discussion
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.
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.
I'm not sure if AG would be the 'cheapest' route as their starting prices (retail) are considerably higher than their closest rivals (and currently, there's a mahoosive gap between 1st and 2nd). Whether it's a rebate scheme or just a hefty discount I'm fairly sure it's not on Average Invoice Value (a scheme that some other companies flirt/have flirted with).Aviva is another one and despite them shaking off Auto Windscreens from their RAC operation, Autowindscreens continue to control pricing for invoices from third parties.
Sometimes they're a fool to themselves. I called them for a price on a Rolls Royce Phantom. Now, given the price of the glass from RR is £3,750 + VAT, Aviva quoted a price of £3,838.00 for the job. The idea is that you reject the quote (and they take all the details of the job before they give you a price) and they capture the job for themselves.
But he who laughs last: the Phantom owner is now playing them at their own game by insisting the work is done at an official RR dealership (they will of course, mark the glass up as well as charge about nine hours labour at whatever their rate is, oh, and £150.00 for a 'bonding kit' too). I'm guessing Aviva will now be strapped up with a bill from RR for around £8k. But guess who their glass specialist is?
Sometimes they're a fool to themselves. I called them for a price on a Rolls Royce Phantom. Now, given the price of the glass from RR is £3,750 + VAT, Aviva quoted a price of £3,838.00 for the job. The idea is that you reject the quote (and they take all the details of the job before they give you a price) and they capture the job for themselves.
But he who laughs last: the Phantom owner is now playing them at their own game by insisting the work is done at an official RR dealership (they will of course, mark the glass up as well as charge about nine hours labour at whatever their rate is, oh, and £150.00 for a 'bonding kit' too). I'm guessing Aviva will now be strapped up with a bill from RR for around £8k. But guess who their glass specialist is?
shirt said:
timely post as my windscreen was cracked on the m18 yesterday.
I'm with flux so need to visit an internet cafe (am on my phone now) to view my policy docs.
anyone had to claim for new glass under flux? what is the excess and who do they use? will it affect my renewal? Its only a clio so I guess I could find a cheap screen but not sure if I can be bothered fitting it myself.
Flux issued the policy which is underwritten by ( X ). Each will have their own Key Facts / limits / restrictions / excess / etc. If you're not sure, PM me the name of the underwriter (no policy details) and I'll happily advise. I'm with flux so need to visit an internet cafe (am on my phone now) to view my policy docs.
anyone had to claim for new glass under flux? what is the excess and who do they use? will it affect my renewal? Its only a clio so I guess I could find a cheap screen but not sure if I can be bothered fitting it myself.
Re: Autoglass - guys, we already have several Autoglass bashing/praising posts and threads.
Fox- said:
Silent1 said:
Elephant are just as bad, they will not pay for anything if you wont use autoglass, so now i've had a new windscreen and they've f
ked the trim up on the windscreen surround 
Not true. I selected my own windscreen provider because I wanted BMW marked glass, it wasn't Autoglass and this was only 9 months ago.ked the trim up on the windscreen surround Fox- said:
Glassman said:
Fox- said:
Silent1 said:
Elephant are just as bad, they will not pay for anything if you wont use autoglass, so now i've had a new windscreen and they've fked the trim up on the windscreen surround
Not true. I selected my own windscreen provider because I wanted BMW marked glass, it wasn't Autoglass and this was only 9 months ago.ked the trim up on the windscreen surround Fox- said:
Mobile Windscreens 
Not saying they're good or bad, but given their status and that they're part of a nationwide franchise, they probably didn't have too much trouble getting it authorised which kind of made it easy for you. Had you have nominated say, the independent guy that your local BMW dealership use, you would have been met with a few challenges; in some cases, to get tenacious customers to back off, they will say that your excess will be doubled, or that the claim will be restricted to 100-quid, or - as I've been hearing recently - that it will be registered as a claim and the NCD will be affected.
Silent1 said:
ZeeTacoe said:
What's the deal with asking the insurer/glass fitter to fit branded glass?
I ask because my 306 needs a new front screen and somehow the car has made it to 12 years old and has the orginal glass and therefore no leaks.
Warranty, OCD for the right label and generally perceived better quality.I ask because my 306 needs a new front screen and somehow the car has made it to 12 years old and has the orginal glass and therefore no leaks.
Re: branded glass, here's a scenario Sekurit Saint Gobain run a batch of Porsche 996 windscreens. 25,000 of these screen roll off the production line with the little crest above the manufacturer coding.
An order comes in from an aftermarket supplier for 10,000 of these windscreens. SSG remove those crests and complete the order.
In many cases, the glass is the same, minus the logo. But the price difference is considerably higher for the branded stuff. But, no different in quality.
HedgehogFromHell said:
Holy thread ressurection batman!
On a plus side... Equity Red Star are my insurers and my NCD isn't affected by the Windscreen replacement.. So.. Two fingers to the OPs source!
Yeah but, no but, yeah... On a plus side... Equity Red Star are my insurers and my NCD isn't affected by the Windscreen replacement.. So.. Two fingers to the OPs source!
Your contribution (for a glass claim) will be £50.00 if you do as you're told, or £100.00 if you're a maverick renegade.
Make a claim and your premium might go up.
(not all do, but there's a strong suggestion/trend that after making such a claim, it could).
Edited by Glassman on Thursday 17th January 08:26
F1pump said:
I suspect that on most run of the mill metal , autoglass should be able to provide a good service ( although by some of the threads it makes one wonder ) over the past few years i have put several cars in bodyshops for full repsrays , last couple ive paid seperately to have all the fixed glass taken out and re-fitted , front and rear screens plus 2 rear side windows for £175 cash , perfect jobs each time , tho i was there to make sure the interiors were taped and covered, surprising how even hoovering leather with plastic pipe can mark it if your not careful
AFAIK, 'they' don't do much bodyshop work, if any at all?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?
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. Job is ok but the screen doesn't have the internal black sunscreen dots like the original.
Would/should anyone complain?
What is the brand of glass (and what car is it) ?
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