does insurance cover chips on windscreen that occured before policy taken out

londonTiger

I'm with admiral fully comp.

londonTiger

by cover I mean will they be willing to pay for repairs from autoglass.

tafelmoneysaver

Probably if you only noticed that it was chipped after you took out the insurance

londonTiger

if they don't I'll just have to keep driving and then hope for another fresh minor chip and then I can get a new windscreen. The problem is the old chips may be beyond repair.

They could be like a year+ old so they will have too much dirt on them already for the resin to stick.

Quentin

HAving windscreen chip repairs done still count as claims (which you will have to declare to any new insurers you approach for quotes), and your premium may be loaded at renewal.

It may be cheaper to pay to get these fixed by a local indepedent windscreen company than fall for autoglass's misleading ads!

forgotmyname

Declare that for upto 5 years. It might not put your premium up but there again it may cost more over 5 years than a new screen costs.

Premier_2

You can't insure against something that is a certainty.

You should be able to claim off insurance held (if any) at the time the event took place.

Don't forget to inform your new insurer of such a claim

wobbley

Quentin wrote: »

It may be cheaper to pay to get these fixed by a local indepedent windscreen company than fall for autoglass's misleading ads!

You get what you pay for-

Pay £30 -40 to an independant and they will repair your chip.
Pay a lot more to Autoglass and as well as repairing the chip they will guarantee it not to crack.

Quentin

wobbley wrote: »

Pay a lot more to Autoglass and as well as repairing the chip they will guarantee it not to crack.

No they won't. (Guarantee it not to crack)

vikingaero

Quentin wrote: »

HAving windscreen chip repairs done still count as claims (which you will have to declare to any new insurers you approach for quotes), and your premium may be loaded at renewal.

It may be cheaper to pay to get these fixed by a local indepedent windscreen company than fall for autoglass's misleading ads!

Not necessarily true. Most glass claims don't affect your No Claims and more often than not you don't have to declare it. Of course there will be exceptions to the rule and these will often be the skankiest cheapo Insurers.

Quentin

vikingaero wrote: »

Not necessarily true. Most glass claims don't affect your No Claims and more often than not you don't have to declare it. Of course there will be exceptions to the rule and these will often be the skankiest cheapo Insurers.

Poor "advice".

You do have to declare all claims to all insurers.

And at least one well known company won't give you any NCD for the year if you have a glass replacement claim!