Insurance Claim!
Author
Discussion

Robsti

Original Poster:

12,241 posts

223 months

Thursday 5th April 2012
quotequote all
Just got a large stone chip on windscreen which is to big to repair!

If I claim through insurance it doesn't affect no claims bonus but does it put the premium up and do you have to declare it as a claim when you are getting quotes?

Cheers Robsti.

Agrilla

834 posts

200 months

Thursday 5th April 2012
quotequote all
Wont affect NCD, might or might not affect premium (depending on underwriters rating criteria) and should be declared as a claim at renewal when shopping around for quotes.

Glassman

23,811 posts

232 months

Sunday 8th April 2012
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Robsti said:
Just got a large stone chip on windscreen which is to big to repair!
You think, or have been told?

5678

6,146 posts

244 months

Sunday 8th April 2012
quotequote all
It will effect your premium. Unless its a lot to pay out, I'd do it myself.

Glassman

23,811 posts

232 months

Sunday 8th April 2012
quotequote all
SV8Predator said:
...and when it doesn't work, ie, won't fill all the damage?

Robsti

Original Poster:

12,241 posts

223 months

Sunday 8th April 2012
quotequote all
Glassman said:
Robsti said:
Just got a large stone chip on windscreen which is to big to repair!
You think, or have been told?
Went to Autoglass and they said it could not be repaired!

Glassman

23,811 posts

232 months

Sunday 8th April 2012
quotequote all
Robsti said:
Went to Autoglass and they said it could not be repaired!
Get this a lot. Not always the case.

Robsti

Original Poster:

12,241 posts

223 months

Sunday 8th April 2012
quotequote all
Glassman said:
Robsti said:
Went to Autoglass and they said it could not be repaired!
Get this a lot. Not always the case.
How do I find out if it can be repaired?

Glassman

23,811 posts

232 months

Monday 9th April 2012
quotequote all
Robsti said:
How do I find out if it can be repaired?
If you could draw a circle around it, what would the diameter of that circle be? Or what size coin would cover it?

(and where, in relation to the driver/wiper swept area, is the damage?)

Robsti

Original Poster:

12,241 posts

223 months

Monday 9th April 2012
quotequote all
Glassman said:
Robsti said:
How do I find out if it can be repaired?
If you could draw a circle around it, what would the diameter of that circle be? Or what size coin would cover it?

(and where, in relation to the driver/wiper swept area, is the damage?)
A 10p would easily cover the entire damage including 3 tiny cracks!

The damage is dead centre about 5 inches from the bottom!

Glassman

23,811 posts

232 months

Monday 9th April 2012
quotequote all
Robsti said:
A 10p would easily cover the entire damage including 3 tiny cracks!

The damage is dead centre about 5 inches from the bottom!
It's those three wee cracks that an automated system will find hard to fill (not without running the risk of sending one of them across the windscreen as soon as the repair 'head' makes contact with the screen!).

A manually operated system will allow much more human intervention and manipulation - you can try one of those DIY disposable kits that our friend has linked to above, or you could have an acknowledged professional have a look at it.

Let me know where you are and I'll recommend someone. (YHM)

mat777

10,660 posts

177 months

Monday 9th April 2012
quotequote all
Glassman said:
Robsti said:
A 10p would easily cover the entire damage including 3 tiny cracks!

The damage is dead centre about 5 inches from the bottom!
It's those three wee cracks that an automated system will find hard to fill (not without running the risk of sending one of them across the windscreen as soon as the repair 'head' makes contact with the screen!).

A manually operated system will allow much more human intervention and manipulation - you can try one of those DIY disposable kits that our friend has linked to above, or you could have an acknowledged professional have a look at it.

Let me know where you are and I'll recommend someone. (YHM)
This.

I have a 50p-sized stonechip surrounded with spider-web cracks in my Landy windscreen that was there since I've had it - autoglass et al refused to try doing it in case they put the screen through, so i bought one of those little DIY kits as linked. Whilst it hasnt visibly healed any of it (it still looks untreated), the wound is jammed full of resin forced right into it and is probably stronger than the surrounding triplex glass.

my advice therefore, if you are not overly concerned about aesthetics, have been informed by the pros that they wont do it, and plan on keeping the car for a while, is to DIY it yourself

Robsti

Original Poster:

12,241 posts

223 months

Monday 9th April 2012
quotequote all
Glassman said:
Robsti said:
A 10p would easily cover the entire damage including 3 tiny cracks!

The damage is dead centre about 5 inches from the bottom!
It's those three wee cracks that an automated system will find hard to fill (not without running the risk of sending one of them across the windscreen as soon as the repair 'head' makes contact with the screen!).

A manually operated system will allow much more human intervention and manipulation - you can try one of those DIY disposable kits that our friend has linked to above, or you could have an acknowledged professional have a look at it.

Let me know where you are and I'll recommend someone. (YHM)
I am near Inverness.

Glassman

23,811 posts

232 months

Monday 9th April 2012
quotequote all
Robsti said:
I am near Inverness.
Highland Windscreen Services - 'Titch': 01463 710940

Bungleaio

6,510 posts

219 months

Monday 9th April 2012
quotequote all
I've had qutie a few windscreen replacements and I've not noticed any increases in my premium because of them.

Glassman

23,811 posts

232 months

Monday 9th April 2012
quotequote all
Bungleaio said:
I've had qutie a few windscreen replacements and I've not noticed any increases in my premium because of them.
Same insurer?

Bungleaio

6,510 posts

219 months

Monday 9th April 2012
quotequote all
Yes, been with Greenlight since 2006. It has gone up slightly since then but I have been involved in fault and none fault accidents but they say these are not attributable to glass claims.

Robsti

Original Poster:

12,241 posts

223 months

Monday 9th April 2012
quotequote all
Glassman said:
Highland Windscreen Services - 'Titch': 01463 710940
Cheers Glassman, I will give him a try.

66comanche

2,369 posts

176 months

Monday 9th April 2012
quotequote all
5678 said:
It will effect your premium. Unless its a lot to pay out, I'd do it myself.
Eh? How does it affect your premium? Doesn't count as a claim and doesn't have to be declared when getting quotes, I've had 3 or 4 windscreens and a drivers window done under glass cover and just always paid the £60 excess.