Worth getting windscreen cover?

newmoneysaver09

Looking to get third party, fire and theft policy, but windscreen cover is optional. Currently with admiral it's £12.95.

Is it worth getting considering repair/replacements costs I have seen are around £70-£150?

forgotmyname

Heated screen for my car is £600.

£12.95 for the cover but whats the excess? A windscreen claim will be recorded against your policy so may affect your
premium later on.

mikey72

Depends on the cost to replace your windscreen. Mine last on average about 6 years, before all the stone chips eventually join up, and I need to replace them.

Having said that, tpf&t usually works out dearer than fully comp with most insurers now.

27col

£12.75 to £75-£150 what do you think. It's a no brainer.

Flyboy152

forgotmyname wrote: »

Heated screen for my car is £600.

£12.95 for the cover but whats the excess? A windscreen claim will be recorded against your policy so may affect your
premium later on.

Since when?

Flyboy152

newmoneysaver09 wrote: »

Looking to get third party, fire and theft policy, but windscreen cover is optional. Currently with admiral it's £12.95.

Is it worth getting considering repair/replacements costs I have seen are around £70-£150?

What is the cost for fully comprehensive? Often, there is little difference in the two.

RichGold

I've had 2 screens in the last 3 years, one car and one van (last week). The cover is worth having I would say.

NiallB

mikey72 wrote: »

Having said that, tpf&t usually works out dearer than fully comp with most insurers now.

I've noticed that in the last couple of years when getting quotes. Makes TPFT kind of pointless doesn't it?

forgotmyname

Flyboy152 wrote: »

Since when?

Probably since people added windscreen cover because they knew they needed a new windscreen fitted. And most likely around the same time windscreens became a part of the MOT.

Similar way now quite a few of the insurance companies are charging for the stonechip repairs. Advertised as usually free on the TV. But mine charge £20 for it.

27col wrote: »

£12.75 to £75-£150 what do you think. It's a no brainer.

Not so clear cut when the excesss maybe £100.

rev_henry

Admiral windscreen replacement excess is £70, chip repairs are free. I am with admiral and found that it was only about £8 more if I got fully comp with max excess rather than TPFT. Thus for the extra £8 you're getting windscreen cover, legal cover and a few other things.

Flyboy152

forgotmyname wrote: »

Probably since people added windscreen cover because they knew they needed a new windscreen fitted. And most likely around the same time windscreens became a part of the MOT.

Similar way now quite a few of the insurance companies are charging for the stonechip repairs. Advertised as usually free on the TV. But mine charge £20 for it.




Not so clear cut when the excesss maybe £100.

http://www.directline.com/motor/windscreen-claims.htm

If you have comprehensive cover, all you have to pay is the excess shown in your policy schedule. Your No Claims Discount won’t be affected when you make a windscreen claim.

http://www.churchill.com/car-insurance/claims/windscreen-claims.htm

If you have comprehensive cover, all you have to pay is the excess shown in your policy schedule. Your No Claims Discount won’t be affected when you make a windscreen claim.

http://www.elephant.co.uk/help/Buying/ncb.php

We don't touch your bonus if you've claimed for windscreen damage, emergency treatment fees or if the claim wasn't your fault, and we've recovered all our money from the other person's insurer

http://support.swiftcover.com/car-insurance-help/windscreen-cover/

With windscreen cover, we will pay to repair or replace broken glass in your car's windscreen or windows, through our approved supplier AA Auto Windshields. You can make a claim without affecting your No Claims Discount and, if the glass can be repaired by them, it won't cost you a penny

http://www.privilege.com/motor/windscreen-claims.htm

Your No Claims Discount won’t be affected when you make a windscreen claim.

http://www.lv.com/insurance/car_insurance/How-to-make-a-claim

Does a windscreen claim affect my No Claims Discount?

No, it doesn't.

Do I need to continue?