Replacement windscreen with protected no claims - do you declare it?

nikki1520

Bit of a funny one really - both my husband and I have had our windscreens replaced this year (at different times, due to kicked up stones on the road)

It has occured to me that I have indeed made a claim against my insurance for this. However, I pay extra for no claims discount protection - I'm not due to renew for a while, but did wonder if you then have to declare it to a new insurer as a claim or not?

Obviously if I declare it then my premium will be higher, and also as it was all done via the insurance, I have no idea of the cost other than the excess. However, as I understand it my no claims bonus is still intact, but there is nowhere on a quotation form to say that I had a claim, but it came iunder the protection.

Any thoughts appreciated - thanks guys!

dentedporsche

Hiya, Yes, you have to declare it.
It's there in the list of claims.
When it asks how many accidents or claims, you put 2.
You also have to declare it as "at fault" unless your insurance company was able to reclaim the money from someone else.
I had 2 this year too.
Didn't have too much affect on my premium though.