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Voluntary Excess...Windscreen Cover/Replacing ... Elephant Insurance
JustAnotherSaver
Posts: 6,709 Forumite
Not sure if the insurance company matters any, but onwards...
On a Fully Comprehensive policy, if you had your voluntary excess set at £250 & you required your windscreen to be replaced, would you have to pay £250 towards it?
I could be wrong but the way i understand it is if you're in an accident claim then you would pay the £250, but not for windscreen?
I remember a few years ago, i was fully comp myself (this Q is for someone else) and my windscreen ended up being cracked badly. I >think< at the time my voluntary was £150, yet i only paid £70 for the windscreen to be changed.
Person in question just wanted me to check for them.
On a Fully Comprehensive policy, if you had your voluntary excess set at £250 & you required your windscreen to be replaced, would you have to pay £250 towards it?
I could be wrong but the way i understand it is if you're in an accident claim then you would pay the £250, but not for windscreen?
I remember a few years ago, i was fully comp myself (this Q is for someone else) and my windscreen ended up being cracked badly. I >think< at the time my voluntary was £150, yet i only paid £70 for the windscreen to be changed.
Person in question just wanted me to check for them.
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Comments
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Windscreen excess is normally different.
Read your policy schedule.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
It'll be in the policy paperwork but there is generally a different excess for glass claims.
Also, (generally) glass claims don't affect NCB0 -
Unless it's Swiftcover (IIRC).I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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Ahh policy thing has just been checked & the charge is £0.00.
Less than mine when i was with Admiral @ £70.0 -
Zero excess for glass? Are you sure?
Although you wont lose any no claims. You still need to declare this claim for upto 5 years.
So it may affect your premium with some insurers.Censorship Reigns Supreme in Troll City...0 -
Before you say, i know you said "up to", but i wasn't too bad with Admiral - only had to declare it for 3 years.forgotmyname wrote: »You still need to declare this claim for upto 5 years.
And yes, i'm sure. It said £0.00.0 -
No such thing as "Fully comprehensive" Its comprehensive.
Windscreen usually has a £50 excess £0 on repairs.0 -
No such thing as "Fully comprehensive" Its comprehensive.
Windscreen usually has a £50 excess £0 on repairs.
Not usually £50, it varies between insurers. I'd say I can find more at £60, £70 and £75 etc than you can find at £50. Also some have a minimal excess for repair now too.0 -
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It was cheaper to pay a local chap to do my wife's windscreen than to pay the excess. (normal little hatchback).0
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