windscreen claim
Discussion
hi everybody.
I've never claimed for a windscreen repair before. We have quite a nasty stone chip which is causing de-lamination. Actually it looks like it was two stones or something else from the road which hit at the same time.
It was mentioned on the MOT before we got the car.
Will that mean I can't claim to have it rectified or is it simply a matter of safety that the windscreen be fully intact and should be done regardless to the circumstances?
I've never claimed for a windscreen repair before. We have quite a nasty stone chip which is causing de-lamination. Actually it looks like it was two stones or something else from the road which hit at the same time.
It was mentioned on the MOT before we got the car.
Will that mean I can't claim to have it rectified or is it simply a matter of safety that the windscreen be fully intact and should be done regardless to the circumstances?
It should be done regardless. It's usually a £75 to £100 excess on your insurance, unless you have an unusual policy for some reason. Just call up Autoglass and they'll do the rest.
I've had a couple replaced (including two replacements 10 months apart) and it doesn't make a blind bit of difference to the renewal premium. And yes, I did run consecutive quotes through the likes of GoCompare with and without the claims, and the resulting quotes weren't even one penny different.
Just get it fixed. It's not something to worry about.
I've had a couple replaced (including two replacements 10 months apart) and it doesn't make a blind bit of difference to the renewal premium. And yes, I did run consecutive quotes through the likes of GoCompare with and without the claims, and the resulting quotes weren't even one penny different.
Just get it fixed. It's not something to worry about.
I also hadn't claimed before 2 windscreens on 2 of our cars both developed cracks within literally a week of each other.
Phoned the Insurance company the first time who gave me Autoglass's number and called direct and all sorted.
The second one I called the same Autoglass number and again all sorted.
Phoned the Insurance company the first time who gave me Autoglass's number and called direct and all sorted.
The second one I called the same Autoglass number and again all sorted.
If the damage existed when you bought the car then subsequently claiming on your insurance is dubious at best. You should have either negotiated a discount or got the seller to have the damage repaired.
In the real world most will claim through their insurer and pay the £70 or whatever it is.
In the real world most will claim through their insurer and pay the £70 or whatever it is.
I've had several windscreens over the years, one every year from 2018-20 on different cars. A chip can easily be turned into a crack with some 'persuasion.' 
But I expect they will replace it rather than repair it with resin etc if that's what you'd prefer.
Your insurance documents should list an approved repairer (presuming you are fully comp and do not have a 'budget' policy that doesn't cover it), so you can call them direct.
The excess has crept up in the last few years, mine is now £100.
Some modern cars need 'setting up' afterwards if they have radar cruise control etc.
But I expect they will replace it rather than repair it with resin etc if that's what you'd prefer.Your insurance documents should list an approved repairer (presuming you are fully comp and do not have a 'budget' policy that doesn't cover it), so you can call them direct.
The excess has crept up in the last few years, mine is now £100.
Some modern cars need 'setting up' afterwards if they have radar cruise control etc.ingenieur said:
That's reassuring and if it turns out to be the consensus then I'll give them a bell. You reckon call Autoglass (or National Windscreens) directly and not the insurance company?
Not necessarily. I called Autoglass and made the appointment then got a phone call two days later to tell me that they didn't deal with my insurers and I had to then call National Windscreens and start again.Speak to your insurers. IME they usually have a 'preferred provider'.
It's not normal for insurers to pay out for stuff which has occurred prior to inception & the morning TV programme 'Claimed & shamed' - which coincidentally I'm watching at the moment - shows many claimants being prosecuted and/or put on the insurance company fraudsters list for trying just that.
As has already been mentioned you say the damage was present before you bought the car and your insurer accepted your business to cover.
You've said screen damage is shown on an MOT - which will give your insurer a date prior to the inception should they choose to look.
Having made a few screen claims over the years the companies I've been with have gone into some detail as to where, when & how the damage happened.
Of course, yours may have sustained new & large damage since you got it but be careful.
It's not normal for insurers to pay out for stuff which has occurred prior to inception & the morning TV programme 'Claimed & shamed' - which coincidentally I'm watching at the moment - shows many claimants being prosecuted and/or put on the insurance company fraudsters list for trying just that.
As has already been mentioned you say the damage was present before you bought the car and your insurer accepted your business to cover.
You've said screen damage is shown on an MOT - which will give your insurer a date prior to the inception should they choose to look.
Having made a few screen claims over the years the companies I've been with have gone into some detail as to where, when & how the damage happened.
Of course, yours may have sustained new & large damage since you got it but be careful.
paintman said:
Having made a few screen claims over the years the companies I've been with have gone into some detail as to where, when & how the damage happened.
I've had the opposite experience and there have never been any questions about when or how the damage occurred and the windscreen chap offers to try a repair for free and then fit a replacement if it doesn't work.Biggest concern when replacing a screen is that it's a like-for-like replacement so any sensors for things like rain-sensing wipers continue to work.
Chris
Damage existed before policy inception, evidenced by the MOT advisory.
The reality is, insurance - windscreen cover - is wide open to such abuse. Nobody checks or thinks twice about banging in a claim regardless. Start a thread about having a scratched windscreen on PH and within a few responses someone will suggest accidentally dropping a hammer on it.
It's ethically/morally wrong, but the 'approved' windscreen companies are focusing on their numbers; the policyholder can see a win in getting something for next to nothing, and the insurance company has already written off a %age in windscren claims.
Crack on.
The reality is, insurance - windscreen cover - is wide open to such abuse. Nobody checks or thinks twice about banging in a claim regardless. Start a thread about having a scratched windscreen on PH and within a few responses someone will suggest accidentally dropping a hammer on it.
It's ethically/morally wrong, but the 'approved' windscreen companies are focusing on their numbers; the policyholder can see a win in getting something for next to nothing, and the insurance company has already written off a %age in windscren claims.
Crack on.
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