Windscreen replacement, counted as a claim at renewal?

shelly

Have never had to have a window replaced in a car so am unsure of the answer to my question.

We had a rear windscreen replaced by Autoglass on Wednesday. We called them direct and they have sorted everything out. I understand that NCB isn't affected for windscreen claims (we have protected anyway even if they were affected) but its bugging me in my mind that when renewal comes up and they ask "Have you had any accidents, claims or losses in the last 5 years?" Do I count this as a loss/claim?

Hubby and I are quite sure it doesn't have to be mentioned but theres just a little doubt in my mind that it might, so I wanted to clear it up.

Thanks

Justicia

I've always believed that it doesn't count as a claim...

?

Quentin

It's not a claim for ncb purposes, but still has to be mentioned as an incident.

shelly

Thanks. I'll mention it at renewal and see what they say.

scorpiolady

We had a windscreen replaced and when the time came for the insurance renewal, they asked my husband if he had any accidents claims or losses he said no and they said what about your windscreen, so they knew about it anyway, they then said he would lose 1 year off his ncb

shelly

scorpiolady wrote: »

We had a windscreen replaced and when the time came for the insurance renewal, they asked my husband if he had any accidents claims or losses he said no and they said what about your windscreen, so they knew about it anyway, they then said he would lose 1 year off his ncb

I know for sure having glass replaced shouldn't make you lose 1 yr NCB as when I spoke to the lady at Autoglass on Monday night I asked her.

If I was your hubby I'd get back onto the insurers and query it. Ask them to point out in the T&C's where it says this.

raskazz

shelly wrote: »

I know for sure having glass replaced shouldn't make you lose 1 yr NCB as when I spoke to the lady at Autoglass on Monday night I asked her.

If I was your hubby I'd get back onto the insurers and query it. Ask them to point out in the T&C's where it says this.

It does with some insurers. Notably Swiftcover.

edda

Unfortunately, I've just had my 2nd windscreen replaced in the last 4 years.

It's best to mention it when you ask for quotes next time. I found a mixed response.

Some ignored it altogether; others said it didn't affect my no claims but did count as an incident.
One company refused to quote - because I'd had 2 incidents (windscreen + a no fault accident).

So, as always, shop around.

Plus - windscreen excess is now more commonn on policies than a few years ago. Last time my excess was £0 - its now £70. Something to watch out for.

Justicia

Am not the OP'er, but thanks for the replies - I did not expect some of the cases mentioned.

Having my windscreen replaced on Wednesday and did not realise that it *may* cause me a bit of grief with future quotes/policies. Very useful to know.

shelly

raskazz wrote: »

It does with some insurers. Notably Swiftcover.

Thanks.
Now I think about it she did answer no to my query of NCB loss AFTER I told her who our ins co was.