Windscreen cracked - Aviva insurance

Steve_xx

My brother has his car insured with Aviva, comprehensive cover. His windscreen has cracked from the bottom edge on the passenger side, for about 8 inches. He thinks a stone hit it the other day.

He has an excess on his policy of £350, and in the section for glass claims it says there is an excess of £75 if the windscreen has to be replaced. He's wondering whether Aviva in this instance will charge him £350 + £75, or will they just charge him £75 windscreen replacement excess? He has checked the policy and in this case his NCD would not be affected if he claimed.

DonnySaver

There should be just the £75 to pay for the windscreen replacement. Won't hit his NCB.

benham3160

Yes, normally it's just the separate glass excess, some sneaky insurers make this declarable, but as long as his NCB isn't affected go for it.

If it's a very old cheap banger though, ask around local firms, I've had windscreens fitted for less than an excess on a few occasions by local independent windscreen companies.

Regards,
Andy

Quentin

DonnySaver wrote: »

There should be just the £75 to pay for the windscreen replacement. Won't hit his NCB.

Although it won't hit his NCB its a claim that will have to be disclosed to other insurers and could load his premium.

He can do some dummy virtual quotes online to see what difference having a windscreen replacement makes to his premium, and then weigh up the cost of using a local independent v paying the excess plus increased premiums for the next 3/5 years.

Steve_xx

Quentin wrote: »

Although it won't hit his NCB its a claim that will have to be disclosed to other insurers and could load his premium.

He can do some dummy virtual quotes online to see what difference having a windscreen replacement makes to his premium, and then weigh up the cost of using a local independent v paying the excess plus increased premiums for the next 3/5 years.

Are you sure he would have to declare it? Also, how would he run a dummy quote and mention the windscreen as an item?

Quentin

Steve_xx wrote: »

Are you sure he would have to declare it? Also, how would he run a dummy quote and mention the windscreen as an item?

Yes, all claims/losses have to be disclosed.

You do quotes with the claim and compare it with others without a claim in the claims history.

Steve_xx

Quentin wrote: »

Yes, all claims/losses have to be disclosed.

You do quotes with the claim and compare it with others without a claim in the claims history.

Interesting. He renewed his insurance in April and it was £265. He had a claim in February because a girl ran into the back of his car. Her insurer settled the claim and all was well and he suffered no loss of NCD. He declared it to his current insurer of course.

He just ran a dummy quote, as you suggested, and declared both the February 'not at fault' claim and the windscreen claim. He was surprised to see that the best quote came back from LV at just £205. It seems odd to me! He then removed the windscreen claim and left the February 'not at fault' claim, and the best quote remained at the same price with LV.

malkyh

He should only have to pay the £75 windscreen excess.

[Deleted User]

Hi Steve_XX

Your brother will only have to pay the £75 excess and the claim will not affect his no claims in any way. He will need to call 0844 891 1111 and select option 3 then option 1 and this will put him through to the glass claim team who can arrange for an engineer to come out.

I hope this helps

Dave Hyam

Steve_xx

Aviva_company_representative wrote: »

Hi Steve_XX

Your brother will only have to pay the £75 excess and the claim will not affect his no claims in any way. He will need to call 0844 891 1111 and select option 3 then option 1 and this will put him through to the glass claim team who can arrange for an engineer to come out.

I hope this helps

Dave Hyam

Hi and many thanks for your comment here. I will pass this information to my brother. It seems though that he should declare this when he get fresh insurance quotes? Is that correct?

[Deleted User]

You're welcome, I'm glad I could help.

I can't speak for any other insurers but at Aviva we do not record down glass claims ourselves. It's always advisable to metion any claims including those for glass, on any future quotes with other companies as each insurer may differ and wish to note them down. It's always better to declare them than not.

I hope that's of some use

Dave