windscreen damage - use insurance or not ?

sscrabble

I have a crack on my ten year old Mercedes 200clk windscreen , going to check with garage but I think I will have to replace it- I am insured with saga - I believe I can get a new windscreen if I pay the £75 excess - but wonder how it will affect my no-claims -- if I will have to pay hundreds extra for new insurance when I renew then I would be better paying for it myself - can anyone advise ?

neilmcl

It makes practically zero difference to your premium.

wongataa

sscrabble wrote: »

I have a crack on my ten year old Mercedes 200clk windscreen , going to check with garage but I think I will have to replace it- I am insured with saga - I believe I can get a new windscreen if I pay the £75 excess - but wonder how it will affect my no-claims

Read your insurance documentation. Often windscreen claims don't affect the NCD.

sscrabble wrote: »

-- if I will have to pay hundreds extra for new insurance when I renew then I would be better paying for it myself - can anyone advise ?

A windscreen claim won't push up your renewal quote by hundreds.

Norman_Castle

5 seconds on google https://www.saga.co.uk/insurance/car-insurance/your-cover-in-detail


Phone your insurer to confirm.

sscrabble

Thank you all - I had found that link --- was just worried as I once had an accident - not my fault - but you still have to declare it - and my quotes from other companies than my own were all a fair bit higher when I tried to shop around at renewal time - so I wondered if this had a similar impact.

redux

It depends on insurer; they almost all say that the no claims discount will not be affected, but some do add some loading to the actual premium.

Getting sample quotes declaring and not declaring a windscreen claim might answer the question, but this might be tricky on your existing insurer.

When I moved to Saga about 3 or 4 years ago a windscreen claim and a no-fault accident made no difference, but Axa had added loading (which I'd made a fuss about, saying my 'free' star crack repair was going to cost me about £20 in 3 years, I might as well have paid at the time or done it myself; they resolved this by giving goodwill free legal cover for a year)

Glassman

Some NCD will be affected, others won't; some insurers are however asking for disclosure on previous claims and are asking specifically about glass claims.

You should also consider that instigating a replacement via your insurance means the repairer will throw in a copy glass (ie, not an original 'OE' product).



http://www.glasstecpaul.com/motor-insurance-windscreen-cover/


Some other notes here:


http://www.glasstecpaul.com/insurance-questions-windscreen-cover/