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Is there a time limit for car insurance claims?

m2010
m2010 Posts: 1 Newbie
in Motoring
About a week ago I got a small crack in my windscreen due to a stone hitting it. Since I have busy I have not had time to put in an insurance claim for it yet. I was going to phone today. Do you have to claim within a certain number of days of the damage for the claim to be successful? If so, what is the time limit? Does it differ for different companies? Would waiting a week effect the chance of a successful claim in this situation?

Comments

  • Hintza
    Hintza Posts: 19,420 Forumite
    10,000 Posts Combo Breaker
    Just call an autoglazing company (I prefer the smaller local ones) and ask if they deal with your insurer if they do then they will sort the whole thing out all you will need is any excess (£50 +/-) and your insurance policy when they arrive.
  • vaio
    vaio Posts: 12,287 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    But check to see whether excess, (possible) loss of NCB and future premium loads for a fault claim will be more expensive than just giving the windscreen firm cash.

    We had a cracked screen on our van last year and the cash price to the windscreen company was only £40 more than the insurance excess so we left the insurance company out of the loop.
  • Kilty_2
    Kilty_2 Posts: 5,818 Forumite
    vaio wrote: »
    But check to see whether excess, (possible) loss of NCB and future premium loads for a fault claim will be more expensive than just giving the windscreen firm cash.
    None of this should apply for glass claims.......
  • jwil
    jwil Posts: 23,397 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kilty wrote: »
    None of this should apply for glass claims.......

    It does with my insurance co, so I recently found out. You need to check your policy to find out.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • vaio
    vaio Posts: 12,287 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Kilty wrote: »
    None of this should apply for glass claims.......

    Correct, it shouldn't (and didn't used to) but with an increasing number of companies it does these days
  • Kilty_2
    Kilty_2 Posts: 5,818 Forumite
    vaio wrote: »
    Correct, it shouldn't (and didn't used to) but with an increasing number of companies it does these days

    Fair enough, wasn't aware - thanks :T
  • wealdroam
    wealdroam Posts: 19,180 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    OP, just tell them it happened earlier today, instead of a week ago, if you are worried about it. :beer:
This discussion has been closed.
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