Why do windscreen claims not affect your NCB?
Discussion
This is under the heading of questions you always wanted to ask but worried about appearing thick.
A glass claim can cost many hundreds of pounds (thousands potentially). So far it doesn't affect NCB, or is that changing?
I filled in an online quote recently which DID ask about glass claims in the last 5 years (can't recall which company) but they were the only one out of dozens.
A glass claim can cost many hundreds of pounds (thousands potentially). So far it doesn't affect NCB, or is that changing?
I filled in an online quote recently which DID ask about glass claims in the last 5 years (can't recall which company) but they were the only one out of dozens.
Loose_Cannon said:
This is under the heading of questions you always wanted to ask but worried about appearing thick.
A glass claim can cost many hundreds of pounds (thousands potentially). So far it doesn't affect NCB, or is that changing?
I filled in an online quote recently which DID ask about glass claims in the last 5 years (can't recall which company) but they were the only one out of dozens.
It's because historically windscreen claims were always "Free" (No excess to pay) and did not affect your no claims bonus.A glass claim can cost many hundreds of pounds (thousands potentially). So far it doesn't affect NCB, or is that changing?
I filled in an online quote recently which DID ask about glass claims in the last 5 years (can't recall which company) but they were the only one out of dozens.
Insurers gradually introduced excesses but have held off affecting no claims bonus for windscreen claims as if one introduced it, the rest of the market would not and the Insurer would lose a significant amount of their customers for a type of claim which has a very very small impact on their claims figures.
The closest that has happened is Swift Cover have introduced that you do not earn any more no claims bonus for the year you made a windscreen claim with them. The rest of the market did not copy them
So it's market driven more than "safety" you reckon?
I was thinking that the reasoning may have been to encourage people to change screens which affected vision or were likely to shatter through damage. However that would infer some nobility on insurance companies.....
Part of the reason I'm asking is my screen has some accumulated damage, but I've been told the screen surround is obsolete and costs £300 on top of whatever the glass costs (£200-ish?)....car is worth about a grand!
I was thinking that the reasoning may have been to encourage people to change screens which affected vision or were likely to shatter through damage. However that would infer some nobility on insurance companies.....
Part of the reason I'm asking is my screen has some accumulated damage, but I've been told the screen surround is obsolete and costs £300 on top of whatever the glass costs (£200-ish?)....car is worth about a grand!
Edited by Loose_Cannon on Tuesday 11th August 11:12
Edited by Loose_Cannon on Tuesday 11th August 11:12
Fatrat said:
Although it will not affect your bonus you should declare it as a claim to any new insurer and with the complex calculations insurers use these days to reach a final premium it may well affect the quote you get.
I'm on my second glass claim in three months. Thanks Lincolnshire Highways. 
Thanks for laying a s
t load of chips down on a road, causing a big dust storm that has been reported as being very dangerous (and your fault), and thanks for not sweeping up the loose chips correctly. 
I've declared these on all of my insurance searches as mine is up next week. Hasn't affected me, but at least I'm being truthful.
Nimby said:
LoonR1 said:
... The only change though seems to be an increase in excess.
Yes, LV= increased my excess from £75 to £125 after a windscreen claim.no idea why I am on my 3rd the new ones dont seem to like stone's flying at them as much as the original one 
Had one fitted and within 24 hours it was knackered with two stone hits which then started cracking out further.
The latest one is a tiny dink on the edge of the screen which has now sprouted a 12" crack down the screen
I think my issue is that my trip to work has to pass through so many roadworks and there is so much crap on the road surface.
Had one fitted and within 24 hours it was knackered with two stone hits which then started cracking out further.
The latest one is a tiny dink on the edge of the screen which has now sprouted a 12" crack down the screen
I think my issue is that my trip to work has to pass through so many roadworks and there is so much crap on the road surface.
LoonR1 said:
Nimby said:
LoonR1 said:
... The only change though seems to be an increase in excess.
Yes, LV= increased my excess from £75 to £125 after a windscreen claim.
And here's the £125 endorsement on my policy having declared a previous windscreen claim.
.Everything else is exactly the same, and I'm pretty sure they aren't allowed to set a bigger excess for men.
Nimby said:
LoonR1 said:
... The only change though seems to be an increase in excess.
Yes, LV= increased my excess from £75 to £125 after a windscreen claim.I'm going with someone else who charges £75 (this isn't the only reason I'm changing).
surveyor said:
LV do seem to change their xs's very much dependant on the car rather than the driver. You sure it's not that?
Um - very similar but no, not identical; latter has no sunroof. (I was wary of raising a red flag against my reg).I'll see what happens when I renew next time. I was pretty sure adding the glass claim increased the excess but there was a time gap between the two quotes that spanned new year; that might have been a general increase anyway but it was rather a big jump.
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