Windscreen cover

paddedjohn

Car insurance includes windscreen cover, free repairs and £75 x/s if new screen is required. Bonnet flew open on the motorway smashing the screen, if a claim is made does it go down as a claim at renewal? Will it affect future premiums? Insurer is Direct Line btw.

Quentin

Yes, it's a claim and has to be disclosed.

Do some dummy quotes online with and without the claim to see if it affects the premium.

(Though if you already reported it then you will have to disclose it whether or not you eventually put in a claim)

paddedjohn

Only just happened 1/2 hour ago, will get a couple of quote first before I call the insurers. Looks like it may be cheaper to just stump up myself.

Quentin

Avoid the nationals and get quotes from local independents who don't work for the insurers - much cheaper!

InsideInsurance

It is a claim and does have to be declared however some insurers may load the premium for it and some will ignore it other than for the purpose of any maximum number of glass claims they may allow before removing glass cover at the next renewal

paddedjohn

I've got a couple of quotes this morning and am going to pay myself. My policy only started 2 weeks ago and I have full no claims protected but rather than pay £75 and get my premiums loaded for the next 5 years I've opted to pay £140 all in and have done with it. Cheers.

paddedjohn

Just to recap on the above, after doing a bit of ringing around I've now got the price down to £115 all inc and its getting fitted tomorrow.