Insurance Dilemma
Discussion
I 2019 I had 2 non fault claims, my first for several years. One was a car park scrape and another when someone drove out of a petrol station without looking and hit my car. As I said no fault claims so I still have my NCB but I have to inform my insurers at renewal.
Yesterday a stone hit the windscreen of my 2020 BMW. It has auto headlights, camera and head up display so a new screen comes to £780 including the VAT. So do I pay or claim on insurance with a £115 excess?
I know I’ll keep my NCB but just don’t want to have to declare lots of claims.
Yesterday a stone hit the windscreen of my 2020 BMW. It has auto headlights, camera and head up display so a new screen comes to £780 including the VAT. So do I pay or claim on insurance with a £115 excess?
I know I’ll keep my NCB but just don’t want to have to declare lots of claims.
I would claim.
We pay a not insignificant sum for insurance, but many seem reluctant or reticent when it comes to claiming. Unless I felt that I'd incur a 'surcharge' or loss of discount that exceeded the amount claimed I don't see why anyone wouldn't claim what's rightfully theirs...
We pay a not insignificant sum for insurance, but many seem reluctant or reticent when it comes to claiming. Unless I felt that I'd incur a 'surcharge' or loss of discount that exceeded the amount claimed I don't see why anyone wouldn't claim what's rightfully theirs...
I had a no-fault claim that was fully recovered from the third party. Declaring it has made no impact on subsequent premiums.
I've also claimed a windscreen once and that made no difference to any premiums.
Fault claims or unrecovered claims I suspect will have an impact on premiums, but if it's paid for £k's worth of repairs, it's still worth it unless you're very young.
I've also claimed a windscreen once and that made no difference to any premiums.
Fault claims or unrecovered claims I suspect will have an impact on premiums, but if it's paid for £k's worth of repairs, it's still worth it unless you're very young.
A windscreen claim shouldn't impact your premium. I've done 3 windscreens in the past year (insisting on OEM glass every time).
SuperPav said:
I had a no-fault claim that was fully recovered from the third party. Declaring it has made no impact on subsequent premiums
Technically even a no-fault claim makes you statistically a higher risk than someone who hasn't claimed, but the impact on premium tends to be minimal to none.plenty said:
A windscreen claim shouldn't impact your premium. I've done 3 windscreens in the past year.
Blimey, that’s really unlucky. When I bought my previous TVR the screen went on the way home from buying it new. I’d liked to have at least got it home before something happened to it.
bad company said:
I 2019 I had 2 non fault claims, my first for several years. One was a car park scrape and another when someone drove out of a petrol station without looking and hit my car. As I said no fault claims so I still have my NCB but I have to inform my insurers at renewal.
Yesterday a stone hit the windscreen of my 2020 BMW. It has auto headlights, camera and head up display so a new screen comes to £780 including the VAT. So do I pay or claim on insurance with a £115 excess?
I know I’ll keep my NCB but just don’t want to have to declare lots of claims.
Windscreen claim is in nearly all cases not anything to do with your accident NCB, windscreens aren't declared as claims. Yesterday a stone hit the windscreen of my 2020 BMW. It has auto headlights, camera and head up display so a new screen comes to £780 including the VAT. So do I pay or claim on insurance with a £115 excess?
I know I’ll keep my NCB but just don’t want to have to declare lots of claims.
CarCrazyDad said:
Windscreen claim is in nearly all cases not anything to do with your accident NCB, windscreens aren't declared as claims.
My NCB is protected but I think I’d still have to declare the claim to any new insurer. I’m currently with Aviva.https://www.confused.com/car-insurance/guides/wind...
bad company said:
CarCrazyDad said:
Windscreen claim is in nearly all cases not anything to do with your accident NCB, windscreens aren't declared as claims.
My NCB is protected but I think I’d still have to declare the claim to any new insurer. I’m currently with Aviva.https://www.confused.com/car-insurance/guides/wind...
I've had 3 windscreens replaced in the last 15 years and never declared it as a claim, because I'm not asked " have I claimed" , I'm asked if i have had any accidents or incidents within the last 5 years etc.
If you are that concerned, ring Aviva Customer Service and get a firm answer, not ask on here where us idiots will just end up in a 15 page argument about whether a windscreen replacement counts as a claim or not.
CarCrazyDad said:
Check your policy documents , and T&C , not Confused.com which is a generic web site
I've had 3 windscreens replaced in the last 15 years and never declared it as a claim, because I'm not asked " have I claimed" , I'm asked if i have had any accidents or incidents within the last 5 years etc.
If you are that concerned, ring Aviva Customer Service and get a firm answer, not ask on here where us idiots will just end up in a 15 page argument about whether a windscreen replacement counts as a claim or not.
Fair enough, thank you. This is all I can find on the Aviva website:-I've had 3 windscreens replaced in the last 15 years and never declared it as a claim, because I'm not asked " have I claimed" , I'm asked if i have had any accidents or incidents within the last 5 years etc.
If you are that concerned, ring Aviva Customer Service and get a firm answer, not ask on here where us idiots will just end up in a 15 page argument about whether a windscreen replacement counts as a claim or not.
CarCrazyDad said:
I've had 3 windscreens replaced in the last 15 years and never declared it as a claim, because I'm not asked " have I claimed" , I'm asked if i have had any accidents or incidents within the last 5 years etc.
Surely your windscreen being damaged beyond repair and replaced under insurance is an 'incident'?I've never had a problem with a windscreen claim.
Although I woke up one morning in 2016 to find that there was a crack the width of the screen on my almost new Mustang.
Autoglas wanted to source an aftermarket screen as the original was £2000
a 15th the cost of the car.
As it was so new, one couldn't be found so they went for an original. Took a few days then a guy fitted it only for him to spot an aberration in the glass between the layers that caused a distortion.
Well done him for spotting it and pointing it out.
Meant that I had to go away without the car and it was sorted a few days later.
So a big cost and I didn't have to pay the excess due to the inconvenience and there was no subsequent loading on my premium.
Although I woke up one morning in 2016 to find that there was a crack the width of the screen on my almost new Mustang.
Autoglas wanted to source an aftermarket screen as the original was £2000
a 15th the cost of the car.As it was so new, one couldn't be found so they went for an original. Took a few days then a guy fitted it only for him to spot an aberration in the glass between the layers that caused a distortion.
Well done him for spotting it and pointing it out.
Meant that I had to go away without the car and it was sorted a few days later.
So a big cost and I didn't have to pay the excess due to the inconvenience and there was no subsequent loading on my premium.
Mark V GTD said:
CarCrazyDad said:
I've had 3 windscreens replaced in the last 15 years and never declared it as a claim, because I'm not asked " have I claimed" , I'm asked if i have had any accidents or incidents within the last 5 years etc.
Surely your windscreen being damaged beyond repair and replaced under insurance is an 'incident'?CarCrazyDad said:
I guess not, because millions of people are not declaring windscreen replacements are claims on their renewals.... as I said, OP need to check his policy documents and contact Aviva.
My point would be that just because others are not doing it, if an insurance company requires that you state any 'incidents' then windscreen replacement (in my opinion) should count as an incident and be reported to them, regardless of whether or not its considered a claim. Just my point of view!Reckon you'll be better claiming.
When we renewed insurance last year, we'd had a windscreen claim in previous policy. Got a cheap quote from another insurer but hadn't declared the windscreen claim (Didn't know we had to!)
Rang current insurer to cancel auto renewel and got the usual hard sell. They asked if we had told new insurer about windscreen claim and said didn't realise had to. Rang new insurer back to let them know about it and actually knocked £6 off the quote!
When we renewed insurance last year, we'd had a windscreen claim in previous policy. Got a cheap quote from another insurer but hadn't declared the windscreen claim (Didn't know we had to!)
Rang current insurer to cancel auto renewel and got the usual hard sell. They asked if we had told new insurer about windscreen claim and said didn't realise had to. Rang new insurer back to let them know about it and actually knocked £6 off the quote!
LordGrover said:
I would claim.
We pay a not insignificant sum for insurance, but many seem reluctant or reticent when it comes to claiming.
Actually, or the 30m or so private cars on the roads, most of us do pay an insignificant amount for insurance. My insurance costs me the same as about 3 full tanks of fuel. We pay a not insignificant sum for insurance, but many seem reluctant or reticent when it comes to claiming.
bad company said:
Blimey, that’s really unlucky.
When I bought my previous TVR the screen went on the way home from buying it new. I’d liked to have at least got it home before something happened to it.
I once had a windscreen replaced on my MK2 MR2. The next day the replacement got smashed by a stone. When I bought my previous TVR the screen went on the way home from buying it new. I’d liked to have at least got it home before something happened to it.
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