Windscreen claim a big issue for insurers?

Windscreen claim a big issue for insurers?

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Discussion

CorvetteConvert

Original Poster:

7,897 posts

227 months

Wednesday 15th July 2015
quotequote all
Even with 39 years' no claims bonus (20 actually counted for discount purposes) my insurance company are all agitated because i failed to admit to 'a claim in 2013'. (The windscreen i had replaced as the MOT showed it was just and only just 'in my line of vision'.)
So let me get this right, replacing a windscreen that was chipped by road grit makes me a higher risk to an insurance company?

DocJock

8,591 posts

253 months

Wednesday 15th July 2015
quotequote all
More likely that (in their eyes) being dishonest is spooking them.

Zoobeef

6,004 posts

171 months

Wednesday 15th July 2015
quotequote all
I've only ever had 1 insurance company ask me for claims including windscreen ones. I said how the fook do I know when they were as no-one else asked so why would I remember.
So they just logged the last one (no increase in premium) I moved companies the next year.

DJP

1,199 posts

192 months

Wednesday 15th July 2015
quotequote all
I didn't realise that you had to declare windscreen claims.

Most policies state that windscreen claims won't affect your NCD etc.

Based on that, I never thought they were bothered.

Glassman

23,562 posts

228 months

Wednesday 15th July 2015
quotequote all
CorvetteConvert said:
Even with 39 years' no claims bonus (20 actually counted for discount purposes) my insurance company are all agitated because i failed to admit to 'a claim in 2013'. (The windscreen i had replaced as the MOT showed it was just and only just 'in my line of vision'.)
So let me get this right, replacing a windscreen that was chipped by road grit makes me a higher risk to an insurance company?
An old thread which touched on this very thing a few times. Gets a bit livelier (and current) towards the latter pages.