Windscreen Insurance Claims

[heliox]

Having read a few posts regarding replacement screens on insurance claims, I thought it might be worth bringing to everyones attention the predicament that i now find myself in after having claimed a windscreen myself on my insurance.

I'm with Norwich Union Direct and my policy says that i'm allowed 2 claims within 5 years and then after any further claims will occur a loss to my NCB.

So, having had the screen replaced,with a £60 excess cost and 1 claim, I had the misfortune of reversing into a low wall which resulted in claim number 2.
This will result in some minor repair work and a backend respray which totals around £600.

My point is, I now wish that i'd payed for the screen myself (quoted £180 + vat) as any further damage claims will result in me loosing my well earned NCB or I fork out for the repairs myself, either way i'm at a loss.

For the sake of saving £120 i'd still rather have that 1 claim available just in case something big did happen.

Just a thought...

heliox

[Psychobert]

You have a good point there..

Am just in the process of negotiating with my insurance company about a screen havig been hit by a few sizable lumps of rock thrown up a lorry on the M1 the other night, (now have a nice crack to go with the other one I picked up a month ago).

Current plan is to see if they can do it, but as they have already sent someone out who couldn't, and now tell me they can't get the part anyway, I'm not sure its worth the hassle..

[EdT]

Dont think a windscreen claim counts as a 'real' claim. Believe you can claim again & again for windscreen damage without affecting yout NCD. Have you spoken to your insurers and checked ?

Ed

[Steve_T]

Yep sounds right to me. You just pay your glass excess and your NCD is unaffected. I ended up paying for the job and claiming back the cost minus excess from Sunninghill, because I insisted my screen was done at the dealers. Only problem I had was waiting for a screen to arrive ....

Cheers,

Steve

[julianhj]

I was informed earlier today that a new screen might run to £400! Seem to recall post quoting similar prices. I'm hoping a stone chip will occur before the delamination gets rampant
My policy states that windscreen claims do not affect my NCB. I thought that this was the case with most policies.

[heliox]

EdT said: Dont think a windscreen claim counts as a 'real' claim. Believe you can claim again & again for windscreen damage without affecting yout NCD. Have you spoken to your insurers and checked ?

Ed

Ed,
yes i have spoke to them and unfortunately in my case the windscreen does count as a claim.

I got that quote from Kerridges in October last year.

heliox

[SMB]

My policy document from Norwich Union says it doesn't count as a claim if just for glass. Is that not the case if Autoglass don't do it I wonder. I can't blame you for wanting to avoid autoglass though.

>> Edited by SMB on Friday 7th March 08:54

[julianhj]

AFAIK if you want to claim on your ins. for glass, you have to use the company contracted by your ins. co. If the worst happens and they make a balls up, you just keep sending it back until they get it right. I'm told TVR screens can be an absolute pain to fit correctly.

[leszekg]

heliox said:

EdT said: Dont think a windscreen claim counts as a 'real' claim. Believe you can claim again & again for windscreen damage without affecting yout NCD. Have you spoken to your insurers and checked ?

Ed

Ed,
yes i have spoke to them and unfortunately in my case the windscreen does count as a claim.

I got that quote from Kerridges in October last year.

heliox

Why don't you try another insurer who does not have this restriction? Even with 1 genuine recent claim you may find a comparable or better quote so worth a try.

[alex.mcintosh]

You don't always have to go with the insurance co's recommended glass repairer.

My policy is with Cornhill via A Manning and when I said I wanted to use a dealer to replace the windscreen, there was no problem at all

[joust]

Total twaddle.

From NUD's web site T&C's of car insurance


Section 8
Glass in windscreens, sunroofs or windows
=========================================
Any payment we make for repairing or replacing glass in your car’s windscreen, sunroof or windows (or for any scratches on the bodywork caused directly by the broken glass) will not affect your no-claim discount.

J

[pebbledash]

My cover for the GRIFF is with Norwich Union Direct and it states that "Claims for windscreen breakage and emergency treatment will not be counted in the above situations" humm clear as mud but seems to mean they Don't count..

Also recently had the windscreen changed was a bit of a hassle. Wanted the dealer to do it and they would not budge. After some hassle they told me to pay and clam it back which I did. When I then put the clam in I was told they would get a price from there fitters, and that’s what my claim would be based on argued the proverbial but got know where so just sent then the paperwork.. After 3 months and having not seen any money I rang them back found out they had lost the paperwork and the person i had spoken with had not even entered/raised a claim on my policy . In the end I just told them I wanted a check for the amount less the excess. And it was raised there and then and I got the check the next day total cost £390 less excess...... (The new screen gained 5 chips the next day)

[Psychobert]

Checked mine and I'm ok; NCD not affected.. Insurer insisting on using their people for the replacement which might cause me a problem as they can't do it in a sensible time. I am starting to hear things like 4-6 weeks, but waiting on another phonecall this afternoon..

[trefor]

heliox said:

EdT said: Dont think a windscreen claim counts as a 'real' claim. Believe you can claim again & again for windscreen damage without affecting yout NCD. Have you spoken to your insurers and checked ?

Ed

Ed,
yes i have spoke to them and unfortunately in my case the windscreen does count as a claim.

I got that quote from Kerridges in October last year.

heliox

Wow, the windscreen should not be a claim - most companies don't log this as a claim. I suggest changing insurers when your policy is up for renewal - there are a number of good places for TVR policies - Sunninghill, A Manning and Peart come to mind.

Just had my screen replaced without affecting my A Manning policy.

T/.

[Tripps]

All the full comp policies I've have always included winscreen insurance, and in theory you could have a new one each year, as AFAIK the claims databases don't record these claims.

However, with all the problems I've had (see here), you might be better off getting it fitted at a specialist and biting the bullet with the cost.


>> Edited by Tripps on Friday 7th March 13:10