Claiming for windscreen repair on insurance?
Discussion
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Many insurance companies have arrangements with car glass companies allowing you to have screen chips repaired at no cost to you - the glass co bills the insurers for the full amount.
But you MUST contact your insurers & check. They will also specify which glass co you must use.
Done this with my own car. No effect on premium.
But you MUST contact your insurers & check. They will also specify which glass co you must use.
Done this with my own car. No effect on premium.
Edited by paintman on Tuesday 23 March 22:27
The Riddler said:
For the amount we pay might as well use it.
Besides.. What part of +vat means it will be just £2.50?
I don't know the exact terms of your contract, just what you've told us here. Besides.. What part of +vat means it will be just £2.50?
You are still looking at claiming £85 (ish) against an excess that may apply of £70. And the "administration" charge of £18.50 when you phone them. Add, potentially, the loss of any no claims bonus you have. And, you will not be able to honestly claim that you've made "no claims" in the last year(s).
Go and have a very serious look at your terms.
To add...
But that depends entirely on your terms.
paintman said:
Many insurance companies have arrangements with car glass companies allowing you to have screen chips repaired at no cost to you - the glass co bills the insurers for the full amount.
Yes, with a fully comprehensive policy they'd normally rather repair for free than risk paying out for a new one.But that depends entirely on your terms.
grumbledoak said:
The Riddler said:
For the amount we pay might as well use it.
Besides.. What part of +vat means it will be just £2.50?
I don't know the exact terms of your contract, just what you've told us here. Besides.. What part of +vat means it will be just £2.50?
You are still looking at claiming £85 (ish) against an excess that may apply of £70. And the "administration" charge of £18.50 when you phone them. Add, potentially, the loss of any no claims bonus you have. And, you will not be able to honestly claim that you've made "no claims" in the last year(s).
Go and have a very serious look at your terms.
The Riddler said:
I'm asking the question on behalf of a mate, but i'm insured with the same company as him. Having read my policy it only states 'Windscreen excess: £70' or similar.
So, you/he will get £15.And, in all probability, charged £18.50 for phoning them, and higher premiums in the future.
Although it varies per insurer, windscreen claims usually never affect the premium or the ncb. If its repairable its done so for free if the windscreen needs to be replaced then excess applies. I'd be surprised if an insurer hiked up premium for windscreen claims as they can happen very often.
I had the same dilemma a few months ago, in the end I rang the insurers who said that itself it wouldn't automatically increase the premium, but does count as a claim, which after getting some new quotes would cost me over £500 on next year's policy - not worth it. Ended up paying for it myself for just over £100.
edit: Should add that this was with a big crack so new screen needed not just a repair, apologies.
edit: Should add that this was with a big crack so new screen needed not just a repair, apologies.
Edited by OwenK on Tuesday 23 March 23:00
The Riddler said:
Is this a wise thing to do?
Excess is £70.
Repair is £72.50+vat.
If insurance decide to bump the renewal because of this, you'd already be down some cash. Its only a small chip, and seems to fit in the bracket of 'repairable.'
If it's a repair, the excess of £70 should not apply. This is only for replacement of glass. Excess is £70.
Repair is £72.50+vat.
If insurance decide to bump the renewal because of this, you'd already be down some cash. Its only a small chip, and seems to fit in the bracket of 'repairable.'
Most FC policies cover for free glass repair, although some are inviting a policyholder contribution of between £10-20.
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