Windscreen [glass] cover? It's a 'claim',

Dellowman

Hello folks....I have a broken rear window on my tailgate [don't ask]...Autoglass can replace, using my insurance. However, although a glass claim doesn't affect one's NCD, come time for renewal, it counts as a 'claim'. Can anyone out there tell me exactly how a glass claim can affect future premiums, please?

JGB1955

I can tell you that my husband having 4+ 'glass' claims in 5 years didn't make any difference to either his, or my insurance premiums (him being an additional driver), but can't comment on how it might affect YOUR premiums.  Perhaps play with some figures - just don't use your postcode!

Dellowman

JGB1955 said:

I can tell you that my husband having 4+ 'glass' claims in 5 years didn't make any difference to either his, or my insurance premiums (him being an additional driver), 

 Were the claims for 'repairs?' Or were they claims for glass replacement?  I ask because I have had, in the past, had Autoglass repair chips in windscreens, with no effect on my ongoing premiums...but I wondered if complete replacement [new screen] would change matters?  The difference in up-front costs being around £100, my excess, via Autoglass & insurance....and £550 from Autoglass without  going through my insurance.  It's a 'phew' moment, indeed!

Manxman_in_exile

I don't think it should noticeably affect your premium at renewal.

But if you change insurer, don't forget to declare it to the new insurer as a claim.  We forgot once and nearly got our insurance cancelled... !

Shakin_Steve

Manxman_in_exile said:

I don't think it should noticeably affect your premium at renewal.

But if you change insurer, don't forget to declare it to the new insurer as a claim.  We forgot once and nearly got our insurance cancelled... !

If you wait to get your renewal proposal through the post, it will tell you whether it counts as a claim or not. I did not declare a claim for a windscreen when I renewed a couple of years ago because there was nothing on the renewal notice.

Sandtree

Glass claims tend to be fully outsourced to the likes of Autoglass... the telephone number in your policy book for Glass will go directly to them irrespective what the salutation you hear when they answer. Their systems only allow them to check that you have a valid policy, they cannot directly load a claim in. Once the job is done they send through a monthly (or so) list of all the repairs/replacements in a bordereau with an invoice for all the claims that month. The insurer will then, ultimately, process the claims into their system.

Whilst there are common practices in the industry in reality each insurer can choose to do their own thing if they want to. Therefore you need to check what your own policy book states rather than assuming your insurer follows the norm. Typically a glass claim will count as a claim but wont impact NCD at all but I have seen at least 1 insurer where they wont reduce NCD for having a glass claim but you wont earn an extra years NCD for that year... given something like 80% of drivers have Max NCD already this isn't really a problem for most even if many will think it is.

A glass claim should be declared when getting new business quotes but the impact is likely to be small to none. Indeed if you go direct to an insurer/broker rather than via an aggregator (which has to cater for all insurers needs) then you may find glass claims dont need to be declared at all. The worst impact of glass claims I've seen is that some insurers will exclude glass cover if you've had multiple recent glass claims.

diystarter7

OP
Ask your insurance outfit but the outfits may differ.
When completing an insurance form/etc if unsure, don't guess seek guidance.
Best to be 100% clear at the outset and if you make a genuine mistake, most ins outfits are good
and will only charge you extra if appropriate.