windscreen cover

xxxxxxxx

Do any insurers have better policies on glass than the others? 
My last policy said they treat a glass claim as a "a claim" as well as an excess of £100 for replacement.  A claim will affect no claims and premium renewal.   
Seems to me to be futile to pay an excess of £100 and have a claim recorded against you when you can have the glass changed independently probably not far from £200 - £250 
Are there any who do not treat replacement as a claim and with less or no excess for glass replacement?
EDIT ideal solution is a company that does not treat glass replacement or repair as a claim and who have little to no excess.

 

Ebe_Scrooge

xxxxxxxx said:

Seems to me to be futile to pay an excess of £150 and have a claim recorded against you when you can have the glass changed independently probably not far from £200 - £250 

 

In that scenario I'd definitely be reaching into my own pocket rather than making a claim.  Some windscreens are more expensive than others, though.  Last year my son had to have his replaced on his Yaris, we paid £150 for a local independent guy who did a great job.  But some cars will be many times that amount to replace a screen.

To answer your question, all companies are different.  Many will offer a repair for free (if it can be repaired), but a replacement is usually classed as a claim, with an associated excess.  It's just a case of shopping around and seeing what's on offer.

neilmcl

xxxxxxxx said:

Do any insurers have better policies on glass than the others? 
My last policy said they treat a glass claim as a "a claim" as well as an excess of £100 for replacement.  A claim will affect no claims and premium renewal.   
Seems to me to be futile to pay an excess of £100 and have a claim recorded against you when you can have the glass changed independently probably not far from £200 - £250 
Are there any who do not treat replacement as a claim and with less or no excess for glass replacement?

 

Most insurers will treat a glass replacement as a claim which you will have to declare, although it won't usually affect your NCD.

Flight3287462

Op how many screens have you broken to have this issue as a major factor in who you insure your car with?

AdrianC

Hunyani_Flight_825 said:

Op how many screens have you broken to have this issue as a major factor in who you insure your car with?

My record is two in a month, in the same car.

I think I've had a total of four, in 30+ years driving.

mgfvvc

xxxxxxxx said:

Are there any who do not treat replacement as a claim and with less or no excess for glass replacement?

I don't think there are any insurers who don't have an excess for glass replacement. I think the excess with Direct Line is £70.

I had a windscreen replaced a year or two back and it did not appear as a claim on my renewal paperwork or affect my NCD with Direct Line. I think that's normal, but I don't have a lot of experience with broken windscreens.

AdrianC

mgfvvc said:

xxxxxxxx said:

Are there any who do not treat replacement as a claim and with less or no excess for glass replacement?

I don't think there are any insurers who don't have an excess for glass replacement. I think the excess with Direct Line is £70.

Last time I looked, they tended to be about £75 if you used their preferred installer, £150 if you didn't.

Last time one of the national big-names did a screen for me, they made a right mess of it - took hours, and it leaked terribly afterwards.

mgfvvc

AdrianC said:

mgfvvc said:

xxxxxxxx said:

Are there any who do not treat replacement as a claim and with less or no excess for glass replacement?

I don't think there are any insurers who don't have an excess for glass replacement. I think the excess with Direct Line is £70.

Last time I looked, they tended to be about £75 if you used their preferred installer, £150 if you didn't.

Last time one of the national big-names did a screen for me, they made a right mess of it - took hours, and it leaked terribly afterwards.

You are partly right, it's £75 in both cases but if you don't use Autoglass they won't pay more than £125. I couldn't fault the replacement screen I had from Autoglass.

Ganga

Just realised that windscreen replacement was classed as a claim ,i had mine replaced last year and as my renewal is due next month went on comparison sites for prices and said  NO CLAIMS ! guess i had better try again and admit i have had one .