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Ford Ka windscreen damage?

greensalad
Posts: 2,530 Forumite


I have a crack in my windscreen and I was wondering if anyone knows how much roughly this costs to replace? I have no idea as it seems like it could be incredibly expensive... There is a crack in the bottom left corner of the screen.
I looked into getting it replaced through my insurance, but they want £255 for the repair.
Alternatively, I could wait until my boyfriend turns 25 in August and have him added to the policy. As it states that £195 of the cost is only because I am 23 years old, and a 25 year old would not pay as much.
Is that fraud? Because I'm aware it's already broken? It seems different from an accident/damage because it occurred over time not after one specific incident...
This is the policy wording:
Excess Applicable:
Windscreen/window excess £65
Young or Inexperienced Drivers Excess
In addition to the above excesses the below will also be applicable:
£195 when your vehicle is being driven by or is in the charge of any person aged 21 to 24.
I looked into getting it replaced through my insurance, but they want £255 for the repair.
Alternatively, I could wait until my boyfriend turns 25 in August and have him added to the policy. As it states that £195 of the cost is only because I am 23 years old, and a 25 year old would not pay as much.
Is that fraud? Because I'm aware it's already broken? It seems different from an accident/damage because it occurred over time not after one specific incident...
This is the policy wording:
Excess Applicable:
Windscreen/window excess £65
Young or Inexperienced Drivers Excess
In addition to the above excesses the below will also be applicable:
£195 when your vehicle is being driven by or is in the charge of any person aged 21 to 24.
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Comments
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I'm of the opinion that only the £65 excess will be levied for a windscreen replacement. You need to check with your insurance company.0
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check local garages and windscreen specialistsand see how much they charge. If the excess for insurance is £65 and a professional fitted reconditioned windscreen is about £150 I'd dig deeper to pay because the windscreen claim is a disclosure for insurance renewal.0
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londonTiger wrote: »check local garages and windscreen specialistsand see how much they charge. If the excess for insurance is £65 and a professional fitted reconditioned windscreen is about £150 I'd dig deeper to pay because the windscreen claim is a disclosure for insurance renewal.
Where are you getting this ridiculous information from? I'm a windscreen fitter it does not affect your premiums at all!0 -
mariechrisbulll wrote: »Where are you getting this ridiculous information from? I'm a windscreen fitter it does not affect your premiums at all!
Don't worry, londonTiger professes to know loads about motoring (or you'd think so by the number of posts on the motoring board) but doesn't let fact, truth or accuracy get in the way of his posts.0 -
mariechrisbulll wrote: »Where are you getting this ridiculous information from? I'm a windscreen fitter it does not affect your premiums at all!
This is probably the lies you are fed to tell your customers.
Windscreen claims do affect premiums if not why do they ask you to dislose it?
It can be as small as a fiver or it can be more depending on circumstances of course,0 -
TadleyBaggie wrote: »I'm of the opinion that only the £65 excess will be levied for a windscreen replacement. You need to check with your insurance company.
That's what I thought initially but it seems it might be attached to the windscreen too? At least that's how it appears on the above... it has the three excesses (glass, F&T, anything else) and then that disclaimer below...
I'm going to call up but of course this means paying god knows what to call their expensive premium rate number...0 -
londonTiger wrote: »This is probably the lies you are fed to tell your customers.
Windscreen claims do affect premiums if not why do they ask you to dislose it?
It can be as small as a fiver or it can be more depending on circumstances of course,
I've never disclosed it on mine!0 -
I can't see a Ka windscreen being particularly expensive. Have a ring round the local windscreen fitters in your phone book, generally, the smaller the advert the better. The big chains do tend to take the mick with their pricing somewhat.londonTiger wrote: »check local garages and windscreen specialistsand see how much they charge. If the excess for insurance is £65 and a professional fitted reconditioned windscreen is about £150 I'd dig deeper to pay because the windscreen claim is a disclosure for insurance renewal.
And what the hell is a reconditioned windscreen?Yes it's overwhelming, but what else can we do?
Get jobs in offices and wake up for the morning commute?0 -
I can't see a Ka windscreen being particularly expensive. Have a ring round the local windscreen fitters in your phone book, generally, the smaller the advert the better. The big chains do tend to take the mick with their pricing somewhat.
And what the hell is a reconditioned windscreen?
I was wondering that too.0 -
mariechrisbulll wrote: »Where are you getting this ridiculous information from? I'm a windscreen fitter it does not affect your premiums at all!
It depends on the insurer and how they apply claims for windscreens and how they manage them.
the knock on affect of a windscreen claim can have different impacts per insurer, some wont apply that years NCB if protected, some will take 2 years NCB if not protected on renewal.
some will increase the premium by a small amount on the next renewal but leave your NCB intact.
Windscreen cover is a claim on the insurance policy and you have to declare it for the time period an insurer asks for.
Your then put into a class of statistics of people who are most likely to claim on their policy for little things such as radio or windscreen and more likely to claim again in the near future.
with some insurers, the policy excess and windscreen excess are rolled into each other because of age 17-24.
A claim for windscreen cover with most insurers wont affect your premium immediately but time to renew it kicks in.0
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