We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Car insurance - replace window
Hello,
My car was broken in to earlier and the driver's window needs replaced.
This is covered under windscreen damage through my insurance company, Diamond and the repair company is Autoglass.
Diamond said that the excess would be £70 but it would not affect my no claims. Autoglass said they could do the repair outside of the policy for £140.
I am wondering by how much this type of claim could affect future premiums. I have full no claims and my insurance is approx £300 per year.
My car was broken in to earlier and the driver's window needs replaced.
This is covered under windscreen damage through my insurance company, Diamond and the repair company is Autoglass.
Diamond said that the excess would be £70 but it would not affect my no claims. Autoglass said they could do the repair outside of the policy for £140.
I am wondering by how much this type of claim could affect future premiums. I have full no claims and my insurance is approx £300 per year.
0
Comments
-
Check the policy. Normally glass claims do not affect the no claims bonusDogs have owners...my cat has slaves...0
-
If the broken window will affect your premium in future, then it's immaterial whether you claim off your insurer or not to pay for the repair.
All incidents like this have to be declared to insurers whether or not you made a claim, so you might as well make use of your insurer - it's what you paid your premium for!0 -
If the broken window will affect your premium in future, then it's immaterial whether you claim off your insurer or not to pay for the repair.
All incidents like this have to be declared to insurers whether or not you made a claim, so you might as well make use of your insurer - it's what you paid your premium for!
I thought the question from insurers was something along the lines of "have you made a claim for loss, theft or fire in the past 3 years" in which case I could say no if I was paying for the repair myself?0 -
It won't make the slightest difference to your premium.0
-
With some Insurers a windscreen claim can make a difference to the premium, it can even effect it with some Insurers if you do not now claim through the Insurance as Quentin has mentioned0
-
I thought the question from insurers was something along the lines of "have you made a claim for loss, theft or fire in the past 3 years" in which case I could say no if I was paying for the repair myself?
No.
Motor insurers have to be informed of all losses (even if no claim ensued from the loss).
eg. This is how Direct Line define what they mean when asking about "claims":Details of Claims should include any accidents, claims or losses made by you or any additional driver irrespective of fault0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.5K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.6K Work, Benefits & Business
- 603K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards