Billed for windscreen fitted three years ago

pinkshoes

verityboo wrote: »

It is difficult to blame the insurance company when it is not clear that they were ever involved. It appears to me that the OP contacted the screen company directly, told them the insurance company and they agreed to replace the screen (this is how it works with my insurance company).

I think the Op should have checked their insurance cover before contacting the screen company and the screen company should have okayed the replacement with the insurance company, they both share the blame

So why did the insurance company take the £60 payment if they weren't accepting the claim?

Why did the OP have a number to phone for windscreen replacement if they weren't insured for it.

I think I'd want a £60 refund from the insurance, then only agree to pay the independent price.

shaun_from_Africa

pinkshoes wrote: »

So why did the insurance company take the £60 payment if they weren't accepting the claim?

It sounds as if the excess was paid directly to the windscreen company.
What often happens is that you pay the excess to them and they claim the remainder from the insurers.

pinkshoes wrote: »

Why did the OP have a number to phone for windscreen replacement if they weren't insured for it

Many policy documents will show details of all the entitlements and cover available but will also state something along the lines of "*if applicable to the policy concerned"

This is a good example (Admiral insurance).
http://www.admiral.com/policyDocs/AD116%20_policybook_1212.pdf
There is a section regarding windscreen cover and how to claim (Section 4), but in the applicability section it states:

Third Party, Fire & Theft
Only sections 2, 3, 5 & 6 apply