Car windscreen cover affected the cost of my renewal quotes

mlt

I have been searching for new car insurance and added my details into a price comparison site and got the results. However when I went to pay it said you need to contact the provider. When I spoke to them they asked me about my claims etc and I said I have 12 years NCB protected and they said they could see I had made a claim last year in September a no fault claim with no cost obviously. I said I couldn't remember having any accidents apart from having a car windscreen replacement and the adviser said he doubted it was that. He said the provider was Zurich but it did not state what the claim was for.

When I rang Zurich as my Insurance provider was AA they said it was due to the car windscreen being replaced. I paid an excess at the time but at no point did anyone say this will affect your renewal claims for next year. My policy renewal quote went up by over £100 if I had known it would affect my car insurance I would have paid it privately. I said to the adviser so I have made two claims on my Barclays tech pack insurance and they still charge £14.99 a month yet yet I get a Windscreen replaced and pay £50 excess and it affects my car insurance for the next few years. Just another example rip off Britain your not at fault but were going to charge you extra.

lisyloo

Are you sure it is the claim that caused the increase? i.e. you've done quotes with and without the claim?

Car insurance has gone up generally.

elsien

Paying it privately would have cost you a lot more than £100 if it was a full windscreen replacement.

DullGreyGuy

A glass claim is ultimately a claim that needs to be declared. For the majority of insurers they won't care if you've made a single glass claim however getting caught failing to declare a claim is a different matter. 

If you have made a number of glass claims then some insurers will raise premiums, others will simply remove glass cover. 

"Fault" is a very bad choice of term that the insurance industry has been living with for a very long time. Claims, excluding a tiny number of insures, is nothing to do with blame but purely about if the insurer can recover their allocated claims costs or not. If they have a net zero claim its non-fault; if there is a net outlay then its a "fault" irrespective if its because their policyholder ran into 10 cars when high on crack or if their insured's appropriately parked unattended car is hit by a drunk drive who fails to stop. 

IvanOpinion

I can sympathise with you. A delivery van reversed into my car that was parked in front of my house. I was in the house looking out the window at the time (waiting for the delivery van).
Their insurance sorted it all out, but I had to declare it as a no fault/notification-only accident.
It added over £50 onto my renewal premium.

Marvel1

I would say you are lucky if you managed to pay as seems you didn't declare the claim, if they cancelled later down the line, then you would declare for cancelled insurance for life.

Okell

We nearly had our car insurance cancelled for this very reason a few years ago.

We had claimed for a cracked windscreen on my wife's car.  I handled it all and when my wife changed insurers a couple of years later she'd forgotten about it when asked about any previous claims.  (There were none apart from the windscreen).

The new insurer wrote to her saying they would cancel the insurance if we didn't provide an explanation within 14 days.

My wife explained that she had simply forgotten about it as I'd dealt with it all and the new insurer was perfectly happy with that and accepted the explanation.