Is it worth claiming on insurance for rear windscreen

robdex1

Somehow I was reversing out of a parking space and I hit I gate post and it's dented the back of my car and unbelievably somehow completely smashed my rear windscreen. Checked my insurance and it's a £115 excess for windscreen. I imagine would cost me around £250 to pay for it myself. Is it worth going through the insurance I have protected no claims and I can't imagine would increase the premium that much when it's up for renewal. On a second nkt I'm more concerned that they may not be able to fit a new windscreen and it is dented just below where the glass would go 

Car_54

robdex1 said:

Somehow I was reversing out of a parking space and I hit I gate post and it's dented the back of my car and unbelievably somehow completely smashed my rear windscreen. Checked my insurance and it's a £115 excess for windscreen. I imagine would cost me around £250 to pay for it myself. Is it worth going through the insurance I have protected no claims and I can't imagine would increase the premium that much when it's up for renewal. On a second nkt I'm more concerned that they may not be able to fit a new windscreen and it is dented just below where the glass would go 

Don’t imagine - get a quote! It may be surprising, and not in a good way.

Anyway, it sounds like a body repair is needed, so probably best to just let the insurer sort the whole thing out.

twopenny

How new and smart if this car?

I managed to dent the back right on the lock from a bit of metal stuck out of a small trailer and was invisible to me. It took someone 5mins to knock it back out in exchange for a box of chocolates.

I've had a second hand rear window when the heating element went. That was a lot cheaper than new.

But if you've got a lovely newish car and it would affect the value it would be worth either going through the insurance or paying it yourself and getting a few quotes.

Protected NC will allow a certain number. You need to read your insurance documents to see how many and if it's worth it.

maman

In my experience, even if you do pay for the repair yourself, you have to inform the insurance company. Your premium is likely to increase despite it costing the insurance company nothing. I'm told it's because you've proved yourself risky. ☹️

robdex1

twopenny said:

How new and smart if this car?

I managed to dent the back right on the lock from a bit of metal stuck out of a small trailer and was invisible to me. It took someone 5mins to knock it back out in exchange for a box of chocolates.

I've had a second hand rear window when the heating element went. That was a lot cheaper than new.

But if you've got a lovely newish car and it would affect the value it would be worth either going through the insurance or paying it yourself and getting a few quotes.

Protected NC will allow a certain number. You need to read your insurance documents to see how many and if it's worth it.

Its a 2007 car with already some damage to the bumper due to someone going in to the back of me which resulted in a cat s write off so not worth much at all

HillStreetBlues

robdex1 said:

Somehow I was reversing out of a parking space and I hit I gate post and it's dented the back of my car and unbelievably somehow completely smashed my rear windscreen.

You reversed into a stationarily object and you don't know how it happened and how the damage occurred!

robdex1

HillStreetBlues said:

robdex1 said:

Somehow I was reversing out of a parking space and I hit I gate post and it's dented the back of my car and unbelievably somehow completely smashed my rear windscreen.

You reversed into a stationarily object and you don't know how it happened and how the damage occurred!

Oh come on that's not exactly helpful it was pouring with rain and dark and I couldn't see the post. No need to mock me I'm not stupid I know it was my fault just can't believe my luck that the window scratched. Been driving for almost 30 years and never had an accident I'm looking for advice not unhelpful comments

rollingmoon

I'd take it to a windscreen fitters, see what they say regarding the cost & viability of fitting a new window and take it from there. I certainly wouldn't be telling the insurance company anything at this stage.

HillStreetBlues

robdex1 said:

HillStreetBlues said:

robdex1 said:

Somehow I was reversing out of a parking space and I hit I gate post and it's dented the back of my car and unbelievably somehow completely smashed my rear windscreen.

You reversed into a stationarily object and you don't know how it happened and how the damage occurred!

Oh come on that's not exactly helpful it was pouring with rain and dark and I couldn't see the post. No need to mock me I'm not stupid I know it was my fault just can't believe my luck that the window scratched. Been driving for almost 30 years and never had an accident I'm looking for advice not unhelpful comments

I wasn't mocking you, it was your statement, if you don't understand how something occurred then how do you prevent it from happening again.
It does seem to do know what happened and why, which means you're far less likely to make the same mistake.