Autoglass - money for nothing and the chips aren't free

Iceweasel

Having read through this thread I've just checked my Aviva policy details as I've now had 2 chips treated by Autoglass's silicon sorcery in the last 2 months.

and NO I do not habitually drive half-way up the rear of the car in front - every time it's been a car coming in the opposite direction, that threw up a sizeable stone, that I even saw coming towards me. :eek:

The Aviva glass cover section is quite clear - the £75 excess does not apply if the glass is repaired, and no loss of NCD for glass repairs or replacements.

Of course no mention is made of increased premiums next year as a result - but they do that anyway regardless of claims.

WTFH

Iceweasel wrote: »

Having read through this thread I've just checked my Aviva policy details as I've now had 2 chips treated by their silicon sorcery in the last 2 months.

and NO I do not habitually drive half-way up the rear of the car in front - every time it's been a car coming in the opposite direction, that threw up a sizeable stone, that I even saw coming towards me. :eek:

Last year we were driving down a country road from our house when a van passed us going the other way. It broke a branch off a tree which then pierced my windscreen. Thankfully it was down near the dash, so no injuries, but it was quite shocking. (new windscreen, £75 excess, no increase in car insurance premium)

Building_Surveyor

I'm confused about declaring a windscreen chip as I claim. I've had a replacement windscreen previously, never declared it, never had an issue. If you have to declare windscreen repairs then surely that would mean you would have to declare breakdown recovery to? After all, it has a cost to the insurance company.... Hmmm I'm not sure what actually needs to be declared and what doesn't now, do ppl know the facts or is this guesswork?

I would have thought the whole insurance wouldn't be void in such cases but rather a reduction in pay out if it even had to be declared??? but I'm just guessing

mademoiselle_2

Thanks to everyone for the comments. Like a lot of things to do with insurance - and motors! - once you start looking into things, and pool everyone's knowledge/experience, it's amazing how much you learn!

As to what I have decided to do: I've contacted my Insurer and declared the chip in the windscreen to them. I await their reply.

If, as has been suggested, I will have to wait and see if they a) play fair and charge me the excess only for a chip; or b) make it into a replacement windscreen case and make me pay the bigger excess:- well, I will let you know what happens!

But I won't make option b) easy for them. I took the car to my local garage as soon as it happened. Their opinion - as MOT testers - was that the chip was 'tiny' and not in an area of the windscreen to cause any wider problem.

colino

Excuse me? The chip is tiny and outwith the prescribed area, then why did you bother to contact your insurer, or better still, start the thread?