insurance renewal - is a windscreen claim classed as a 'claim'

pd52

Ok stupid question probably, ive had car insurance for the last 13 years however in the summer I had to make a claim for my windscreen for the first time. Im due to renew and getting quotes on line, when it asks if I have made any claims in the last 5 years do I need to say yes because of the windscreen claim?:o

Quentin

Yes .

pd52

Quentin wrote: »

Yes .

just re-quoted with windscreen claim and its now £25 a year less lol :undecided

pd52

sorry another Q do I need legal cover & personal accident?

Jane-_3

pd52 wrote: »

sorry another Q do I need legal cover & personal accident?

get legal cover if you can if you dont already have it my friend now has to pay 25% of her injury compensation see my next thread

yan101_2

i used to work for an insurance company, most these days log the claim for windscreen but it does not affect premiums as it is not classed as a real claim with regards to no claims discount as your ncd isnt usually affected. so i would say put it down on a new claim but dont worry about it affecting premiums.

Quentin

yan101 wrote: »

i used to work for an insurance company, most these days log the claim for windscreen but it does not affect premiums as it is not classed as a real claim with regards to no claims discount as your ncd isnt usually affected. so i would say put it down on a new claim but dont worry about it affecting premiums.

This is not always the situation.

(Elsewhere you tell us your insurance job had nothing to do with claims!)

yan101 wrote: »

i worked for car insurance. setting up policies, nothing to do with claims......

Well......all claims are "real" (how can you have a pretend one?)

All claims (including glass) usually do alter your profile, with a premium loading a possibility.

And can affect your NCD, Eg with swiftcover, no ncd is awarded for the year if you make a windscreen replacement claim.