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Car Insurance Renewal
Hi,
When looking for renewal quotes does Windscreen Replacement count as a claim?
Comments
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Probably depends on the wording but I do know that I’ve been asked about it before now and had to add it as a claim.
Generally speaking, because it is.
All shall be well, and all shall be well, and all manner of things shall be well.
Pedant alert - it's could have not could of.1 -
That is what I thought. On reflection it might not have been worth making a claim for replacement? Could cost me more with increased insurance over the next 5
years than cost to replace the screen :-(
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I asked my insurance company ( Direct Line ) about this some time ago, I dont know if the rules are still the same. I was told to declare it but that it didnt affect the policy. My premiums did not increase and I felt happier knowing that I had informed them.
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Yes. Even stone chip repairs are.
Could cost me more with increased insurance over the next 5
it won't. Glass claims don't cause a pricing increase.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.1 -
Is that true for all insurers?
First Direct premium was £445.47, new quote is £800.37 :-( Nothing else has changed
"A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
Ride hard or stay home :iloveyou:0 -
I suppose there is always an exception to the rule.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.1 -
The only way to know for sure is to get a comparison quote and see how those compare. It may be that first Alternative are penalising you for a glass claim but it could also be that you are no longer in their target market and their pricing is no longer aimed at you.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.1 -
Obviously I will not be using First Alternative, but I believe they are owned by Esure? Interestingly Esure offered a significantly lower quote. I have chosen to renew with Admiral. Better T&Cs for £602.26.
"A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
Ride hard or stay home :iloveyou:0 -
Note that the Admiral Ts&Cs include recovering their costs if the driver is under the influence. I would be wary unless all drivers are teetotal.
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