Car insurance excess - windscreen

ohreally

Wifes screen has been smashed by falling masonry. £75 excess. If I chose this route, will it reflect in increased premium in future?

Waiting on a local independant coming back with a cash quote.

citykid5

doesn't normaly effect either ncd or future premiums.from my experience.

forgotmyname

It usually wont affect the NCD but it may affect the premium with some insurers.

And you need to declare it for 5 years.

ohreally

forgotmyname wrote: »

It usually wont affect the NCD but it may affect the premium with some insurers.

And you need to declare it for 5 years.

We have 4 cars, I take it this may have to be declared for each individual policy then?

Quentin

ohreally wrote: »

We have 4 cars, I take it this may have to be declared for each individual policy then?

Yes.

Do some dummy quotes online with and without the claim and see what difference it makes to the premiums.

Foxy-Stoat_3

If it is just for the windscreen with no other damage then it should be treated as a windscreen claim only.

I havent or have ever declared any windscreen claims in the whole time I have been driving as when the broker has asked about any losses they always say to exclude windscreen claims.

Quentin

Foxy-Stoat wrote: »

If it is just for the windscreen with no other damage then it should be treated as a windscreen claim only.

I havent or have ever declared any windscreen claims in the whole time I have been driving as when the broker has asked about any losses they always say to exclude windscreen claims.

If you deal with the same broker, then they will have to stand by this advice, and deal with any fallout you ever get.

Windscreen claims are losses and do need to be disclosed.

There are lots of posts here (esp on the insurance forum) and across the net from people who have been (expensively) caught out when non disclosure of windscreen claims has come to light.

Foxy-Stoat_3

Quentin wrote: »

If you deal with the same broker, then they will have to stand by this advice, and deal with any fallout you ever get.

Windscreen claims are losses and do need to be disclosed.

There are lots of posts here (esp on the insurance forum) and across the net from people who have been (expensively) caught out when non disclosure of windscreen claims has come to light.

GULP

I think I have made on average 1 windscreen claim every 2 years.

Foxy-Stoat_3

Bit of an eye opener....just applied for all my information held on the Insurance Database....will report back if their information differs from what I think it is !

ohreally

Won't be going anywhere near the insurance in this case. If necessary I can source a s/hand one and fit it myself, but that will be a last resort.

Foxy-Stoat_3

What, find a secondhand windscreen and fit yourself......I would just get it done on the insurance and pay the £80 excess or whatever it is.

The chances of finding a secondhand windscreen and fitting it and it not cracking are medium to slim.