Windscreen replacement claim

AdrianC

The reason the latch has failed is poor maintenance - when was it last lubricated? Same for the secondary safety catch...

Of course it'll be an at-fault claim, so NCB will be hit and an at-fault claim will have to be declared for five years.

System

judlding wrote: »

If I were to cancel the windscreen claim would I be able to put through and standard claim and get the bodywork, windscreen and bonnet catch replaced? and would this affect my no claims? (I have paid for protected no claims)

Your NCB won't be affected as you have protected NCB however your insurance WILL go up if you put in a claim. Many people don't understand how protected NCB works. They mistakenly think that it means their insurance won't go up when all it means is you'll get the same discount on the base quote that you currently do. If the base quote rises because of a claim then your insurance will still go up with protected NCB, its just that you'll get the same discount applied.

Example: Full NCB 70% discount.

Insurance quote without claim and no NCB applied: £1000. Apply your full protected NCB you pay £300

Insurance quote with claim and no NCB applied: £1500. Apply your full protected NCB and you pay £450.

What you have to do is work out whether the increase in future premiums will cost more or less than paying out for the repair yourself. As you've admirably found out breakers can be a great source of parts and bring the costs down considerably. You've found a bonnet now to find some wings if they're bolt on.

Warwick_Hunt

Tarambor wrote: »

Your NCB won't be affected as you have protected NCB however your insurance WILL go up if you put in a claim. Many people don't understand how protected NCB works. They mistakenly think that it means their insurance won't go up when all it means is you'll get the same discount on the base quote that you currently do. If the base quote rises because of a claim then your insurance will still go up with protected NCB, its just that you'll get the same discount applied.

Example: Full NCB 70% discount.

Insurance quote without claim and no NCB applied: £1000. Apply your full protected NCB you pay £300

Insurance quote with claim and no NCB applied: £1500. Apply your full protected NCB and you pay £450.

What you have to do is work out whether the increase in future premiums will cost more or less than paying out for the repair yourself. As you've admirably found out breakers can be a great source of parts and bring the costs down considerably. You've found a bonnet now to find some wings if they're bolt on.

It’ll probably go up anyway now they know.