Car insurance

[simon]

Hello all. 

I have an issue. 
So unfortunately a stone has cracked my windscreen and i have had a professional out to inspect the damage. The out come is that the windscreen will need replacing. 

I currently do not have windscreen cover on my insurance and i pay my insurance annually. 
I have the money to replace the windscreen. 
Now my question is,  is it worth adding windscreen cover to my insurance policy and claiming it. Will it cost me more in the long run if i did this? 

Or Is it better for me to use my own money to pay for it ? 

MalMonroe

It's better for you to use your own money to pay for it. Especially as you have the money. If you start trying to amend your insurance policy, you'll be charged. Every amendment costs. I'd just get it replaced, pay and then make sure you get windscreen cover with your insurance policy next time. And every other time after that, too! I'd never take out a car insurance policy that doesn't have windscreen cover. You can google all these things, or I'm sure it's all in your insurance policy documents. They charge every time you sneeze, it seems to me!

Hasbeen

Do you not think suddenly adding windscreen cover to your policy and then shortly after that claiming might be not an ideal thing to do? 

I am sure your insurance company would be very interested especially in the fraud aspect?

Are you positive you do not have cover? Looked at your policy?

Also remember there is always an excess charge for you to pay, and you would have to declare claim for I think 5 years?

Potentially leading to increases in your yearly policy.

davidmcn

[simon] said:

is it worth adding windscreen cover to my insurance policy and claiming it.

You do realise that's not how insurance works?

RobM99

You can't claim for something before you had insurance!

Sandtree

RobM99 said:

You can't claim for something before you had insurance!

Ordinarily you are absolutely correct, but there are some exceptionally badly written policy wordings out there. Once found an Excess Insurance policy which stated you must not have paid the excess prior to purchasing the policy. Several of the people there had an accident or theft etc, bought the excess cover after the event that would trigger the excess but before having paid it and then claimed off their car/home/PMI etc. Did speak to the head of underwriting (wasn't their product) who said he knew of the issue but was waiting for his knee operation under PMI to be done so he could benefit and then he'd tell the policy underwriter.


To the OP - as has been said, excluding mistakes in wordings insurance covers what hasn't happened yet and as such if you were to buy windscreen protection, phone the insurers and tell the truth they would decline the claim as the damage is pre-existing. If you were to call up and lie saying it happened after you bought the insurance then that's fraud.