Insurance Renewal - Windscreen claim by named driver on their own car

GreenLightRedLight

Hi

I just had my renewal through.  My partner, who is a named driver, recently had his windscreen replaced, so I stated this on my renewal because I wasn't sure if not doing so would invalidate my insurance.  My quote hiked up another £111 .  How so since this a claim that he made for his own car and has absolutely nothing to do with the car insured.  I have seen various conflicting statements about windscreen claims, saying they would either not affect it or only affect slightly, but no results when it is about a car that is not part of the policy.

Any advice, help or at least smidgen of knowledge towards my understanding of this would be greatly appreciated.

Thanks

GreenLightRedLight

Also, there isn't a telephone number to discuss this with anyone as it is all digitised.  I have to rely on emails where I am likely to keep repeating myself.  They only take calls where it comes to making a claim.  Very irritating when you just want to discuss your renewal.

MeteredOut

Why not just go to a comparison site and see if anyone else is cheaper? Or is it set up to auto-renew?

GreenLightRedLight

MeteredOut said:

Why not just go to a comparison site and see if anyone else is cheaper? Or is it set up to auto-renew?

I shall be.  It is habit to compare each year.  I had done a comparison before, but this was before I realised that I need to state windscreen claims - I also made a claim on my windscreen for a chip, but I don't think it really affected my renewal, because it only slightly increased (I also changed my car 4 months into the policy, so cannot accurately calculate this, but is almost where I expected it to be given how insurance has been lately).  It is set to auto renew, but I can change this.

I am just trying to figure out how a windscreen replacement on another car, can affect my premium so drastically.  It is not a option to not have my partner on my insurance as my car is ULEZ compliant, so he uses it once a week to go to into the outskirts of the zone.

Slinky

That's the annoying thing about car insurance. OH had a couple of no-fault claims with people who hit him, about 6 months apart and consequently I had to declare them on my insurance for the next 5 years. Finally got past the 5th anniversary.

Always shop around at renewal though, there's little to be gained by loyalty to an insurance company these days.

MeteredOut

It's simple actuarial risk. Statistically, people who have had a claim, even if through no fault of their own, are more likely to have another claim. But, different insurers treat previous claims in different ways, hence the (often vastly) different prices they offer.

GreenLightRedLight

Slinky said:

That's the annoying thing about car insurance. OH had a couple of no-fault claims with people who hit him, about 6 months apart and consequently I had to declare them on my insurance for the next 5 years. Finally got past the 5th anniversary.

Always shop around at renewal though, there's little to be gained by loyalty to an insurance company these days.

Agree. It is so frustrating.  Now I am wondering if I bother declaring it at all!  But, again, it would probably invalidate even though it was windscreen.  I'll do my usual have a look around then go through a cashback site to buy the best option.  I will wait a week though... best time is 26 days before according to MSE

GreenLightRedLight

MeteredOut said:

It's simple actuarial risk. Statistically, people who have had a claim, even if through no fault of their own, are more likely to have another claim. But, different insurers treat previous claims in different ways, hence the (often vastly) different prices they offer.

Personally, not including windscreen chip, I haven't made any claims for 18 years (driving for 30.... I'm old).  

The only claims my partner has ever made is this year and the already stated windscreen and a claim on his motorbike when someone pulled out on him... (oh.... do I have to declare that too although it is motorbike insurance?)

MeteredOut

GreenLightRedLight said:

MeteredOut said:

It's simple actuarial risk. Statistically, people who have had a claim, even if through no fault of their own, are more likely to have another claim. But, different insurers treat previous claims in different ways, hence the (often vastly) different prices they offer.

Personally, not including windscreen chip, I haven't made any claims for 18 years (driving for 30.... I'm old).  

The only claims my partner has ever made is this year and the already stated windscreen and a claim on his motorbike when someone pulled out on him... (oh.... do I have to declare that too although it is motorbike insurance?)

Yup, feels unfair, but that's what happens when computers make the decision based on the actuarial algorithms.

Re. the bike claim, read the questions carefully, but I suspect that would have to be reported too, even though its on a separate policy and vehicle.

@DullGreyGuy is probably a good person to confirm that.

DullGreyGuy

Are you sure you correctly called it a glass claim and not an accidental damage claim? Glass rarely impacts premiums

GreenLightRedLight

It doesn't ask fault when saying windscreen/ glass (drop down box)