Windscreen claims and renewal time

bartelbe

I have a second classic car that needs a new screen. Now the classic policy covers glass repairs/replacement with £70 excess.

Will this count as a claim when I come to renew insurance on my main car? The only way I can get the ripoff insuance companies to give me a reasonable quote is to use the comparison sites and force the price down.

However if I have to declare a glass claim, and the sites are unable to distinguish that from an accident claim, that by replacing the windscreen I will be giving the thieving insurance companies an excuse to ripoff me off.

So would I have to declare such a claim to a new insurance company, assuming my current insurer tries to me rob me at renewal time?

rs65

bartelbe wrote: »

However if I have to declare a glass claim, and the sites are unable to distinguish that from an accident claim

Yes you need to declare it. If you find a website that doesn't distinguish, don't use that website.

Aretnap

Most comparison sites can distinguish between accidents and windscreen claims in my experience. Having just checked, GoCompare certainly do. Try them.

InsideInsurance

When you select that you have a claim it then asks further questions one of which will be if it is a glass claim or accident etc. That is how it distinguishes

bartelbe

InsideInsurance wrote: »

When you select that you have a claim it then asks further questions one of which will be if it is a glass claim or accident etc. That is how it distinguishes

So it is safe to put in a screen claim, without it being used as an excuse to massively hike the quotes?

rs65

bartelbe wrote: »

So it is safe to put in a screen claim, without it being used as an excuse to massively hike the quotes?

It's essential you show the claim. Whether it has an effect will vary from insurer to insurer.

Quentin

bartelbe wrote: »

So it is safe to put in a screen claim, without it being used as an excuse to massively hike the quotes?

Irrespective of what it does to your quote you have no choice but "put in" the claims as part of your history!

ie. It is not safe to not put them in.

Aretnap

bartelbe wrote: »

So it is safe to put in a screen claim, without it being used as an excuse to massively hike the quotes?

Insurers can set their prices any way they like. If they want to massively hike your quote they can do it - they don't need an "excuse". By and large they don't hike massively it for no good reason because it's a competitive market and they don't want to lose perfectly good business by giving you a hopelessly uncompetitive quote.

A single windscreen claim wil not usually add a lot to your premium. Not including it, on the other hand, could cost you everything you own if you cause a bad accident and your insurer refuses to cover you because they find out hat you lied to them. So it's definitely not safe to leave it out.

InsideInsurance

bartelbe wrote: »

So it is safe to put in a screen claim, without it being used as an excuse to massively hike the quotes?

You dont have a choice.

Most dont, I forgot to declare mine last year when switching insurers but remembered before it incepted and called them back and they noted it and said no impact on premium.

What used to be more common was if you had had a few of them was to exclude cover for glass rather than load the premium