windscreen insurance claim - did it increase your premium?
Discussion
In 10 years my wife’s Fabia has had two windscreen claims (both cracks that started to grow). On the last one, the mobile fitter even had to call for a replacement to the replacement, because that had cracked on his preparation trestle! No increase in premiums for these windscreen claims.
I had an E36 for 19 years, and it had so many small chips, I was almost thinking of putting a hammer to it to get a nice clear screen again.
I had an E36 for 19 years, and it had so many small chips, I was almost thinking of putting a hammer to it to get a nice clear screen again.
Dingu said:
No, generally doesn’t impact it.
I think more and more Insurers are classing glass claims as a claim and having an impact. Certainly windscreens are getting more complex with the need to reset and realign sensors and software in all the electronics from ACC, auto lights, auto wipers, lane departure etc.djneils98 said:
I have windscreen cover with 1st central and they've said that claiming won't affect my no-claims bonus but I just wondered for those that have claimed on their windscreen cover before (replacement screen not just chip repair) did your premium go up drastically the next year?
It shouldn't, although some do have an impact. Insurance will always be on the rise when there are people claiming because they can, not because they need to. What gets me is that I have never claimed for a windscreen replacement or repair; I've done the work myself. Whenever I've asked for windscreen cover to be removed, 'computer says no' is always the answer.
Dingu said:
No, generally doesn’t impact it.
I had to make 2 claims with my insurer (General Accident) although that was for 2 separate cars and a few years apart; the second one was 24 hours after my policy with them started as a stone was flicked up and cracked the windscreen driving away from the dealer! In both cases there was no impact on my premium; I remember double checking the info at the next renewal and it showed I had zero claims the previous year. I've just been getting renewal quotes on Compare the Market for our M240i, the best quote was £523 (Aviva). I then remembered we had a windscreen claim last July (stonechip near to edge, winscreen replaced). I didn't think windscreen claims affected your insurance but thought I'd better declare it. Same quote now £575. 
parabolica said:
Dingu said:
No, generally doesn’t impact it.
I had to make 2 claims with my insurer (General Accident) although that was for 2 separate cars and a few years apart; the second one was 24 hours after my policy with them started as a stone was flicked up and cracked the windscreen driving away from the dealer! In both cases there was no impact on my premium; I remember double checking the info at the next renewal and it showed I had zero claims the previous year. I almost had insurance on my van cancelled a couple of years ago due to me not informing them I had 3 windscreen claims in the past 5 years!
Insurance was taken via Compare the Market website, all sorted after a phone call and thankfully only charged an extra £30 ( I think it was)
Got Adrian Flux to quote for my van this year and asked if they needed the dates of windscreen claims, their reply....no thanks not something we take an interest in.
I gave them anyway just to be safe
Insurance was taken via Compare the Market website, all sorted after a phone call and thankfully only charged an extra £30 ( I think it was)
Got Adrian Flux to quote for my van this year and asked if they needed the dates of windscreen claims, their reply....no thanks not something we take an interest in.
I gave them anyway just to be safe
5s Alive said:
I've just been on Compare the Meerkat and didn't realise until I'd finished that I had to include windscreen replacements in 2020 and 2022.
Price without notifying £335. Went back in and completed the claims section £335.
Thanks, was going to ask for a before and after comparison.Price without notifying £335. Went back in and completed the claims section £335.
Good to know.
Old thread but maybe worth posting as it came up when I searched.
My insurance quotes for both our cars, which were on a multicar policy, increased by about £100 when I was a named driver on my wife's car and about £50 as the main driver, when I remembered to put in the windscreen replacement for my Mercedes, compared to when I hadn't mentioned the windscreen replacement. Some companies wouldn't even quote.
This was on compare the market. I went through to one of the cheapest quotes, Budget Insurance, and changing it on their site they wanted £120 extra just for declaring the windscreen replacement.
My insurance quotes for both our cars, which were on a multicar policy, increased by about £100 when I was a named driver on my wife's car and about £50 as the main driver, when I remembered to put in the windscreen replacement for my Mercedes, compared to when I hadn't mentioned the windscreen replacement. Some companies wouldn't even quote.
This was on compare the market. I went through to one of the cheapest quotes, Budget Insurance, and changing it on their site they wanted £120 extra just for declaring the windscreen replacement.
djneils98 said:
I have windscreen cover with 1st central and they've said that claiming won't affect my no-claims bonus but I just wondered for those that have claimed on their windscreen cover before (replacement screen not just chip repair) did your premium go up drastically the next year?
They said it will not effect your ncb!! but they have not said if it will increase your premium due to having a claim, i have seen severalinsurers that now ask if you have made any windscreen claims and this can increase premiumsGassing Station | General Gassing | Top of Page | What's New | My Stuff