While on motorway on 60mph, suddenly heard a loud bang and by the time i realize there was a round smash around 1cm circle towards bottom passenger seat on windscreen. could be a stone from recent potholes. initially there was a small crack towards top of around 2cms, continued the journey for another 20 miles and pulled over at a services station went for a cup of coffee and muffin and by the time i returned, the crack has propogated to nearly half the screen now.
Now it is certain that i need to replace it, although it does not cause obstruction to my visibility i understand it is dangerous. now hte question is whether to use the insurance to replace. I read my insurance policy which says i need to pay £75 excess. Question is does it count towards a claim?
i have maximum no claims protected. however i had 2 claims in the past 3 years one was a hit and run by uninsured driver which fallen on me (self claim) as a claim and another incident i was at fault. the uninsured driver hit as a self claim is going to be 3 years in 4 months time. as i had been a careful driver and built up maximum NCB discount really dont want to loose it.
if i claim on my insurance for windscreen replacement, do I have to mention this every time i apply for quotes? I definitely dont want to do that as i already have two claims and 1. worried that windscreen replacement counts as another claim and forfeits all my NCB as this is going to be my 3rd claim in 3 years
2. I will have to mention it on quotes for next 4 years and already having 2 claims on me in less than 3 years and this now could push me into a category of risk drivers and therefore increases premiums for next few years.
i had enquired locally and the cheapest quote including fitting is £135, i understand it is only £60 more than my insurance excess. but I am currently cash strapped and £60 is a big money. please suggest what is my best option not to cause increase in my premiums for next few years and forfeiting my NCB discount.