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New windscreen - No Claims?

Found 22nd Mar 2013

I have to get a new windscreen, have a beautiful crack thanks to a motorway stone.

Now i am fully comp with Hastings direct and my only excess is £75 windscreens.

Will this count against me for my No claims or increase my premium when i come to renewal?

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30 Comments

22nd Mar 2013

abou tree fiddy?

Sensible answer: Only if you claim more than once for the screen - check your policy for details but usually it's 2 or more screens and you may lose your no claims/increase in premium.

22nd Mar 2013

No, no one cares and call insurance.

22nd Mar 2013

ta very much!

22nd Mar 2013

No it won't. Or they say it won't. In effect they can and do increase your premium for whatever reason they want. If it increases next year you can guarantee that if you ask why, it won't be because of your windscreen claim, it will be because of the increase in whiplash claims, general inflation or whatever else they are told to blame.

Me, cynical?

22nd Mar 2013

some will, phone your insurer

22nd Mar 2013

Actually deeky, you are not far off. (Sorry to hijack the thread op)

I phonedto renew my home insurance last week and was told I had 4 'losses' on the account and was told I needed to keep a record and notify other insurers about them, I told her I had never made a claim on the policy ever and i had had it years, and she said that 'losses' counted.
We got in a bit an an argument about it and I wanted to know exactly what these losses were as I never made a claim. Apparently if you phone up to enquire about something, even if you don't make a claim, it's put on as a loss. I once phoned up about a camera lens to ask if it was covered and what the excess was but never claimed, that counted apparently.
I have no idea what or why the others were on there, she said one was 'lost keys', I have never lost my keys and wouldn't phone them if I had!

I don't know whether to complain to them about this or not, enquiries should never count as a claim.

22nd Mar 2013

daturastorm
Actually deeky, you are not far off. (Sorry to hijack the thread op)I … Actually deeky, you are not far off. (Sorry to hijack the thread op)I phonedto renew my home insurance last week and was told I had 4 'losses' on the account and was told I needed to keep a record and notify other insurers about them, I told her I had never made a claim on the policy ever and i had had it years, and she said that 'losses' counted.We got in a bit an an argument about it and I wanted to know exactly what these losses were as I never made a claim. Apparently if you phone up to enquire about something, even if you don't make a claim, it's put on as a loss. I once phoned up about a camera lens to ask if it was covered and what the excess was but never claimed, that counted apparently.I have no idea what or why the others were on there, she said one was 'lost keys', I have never lost my keys and wouldn't phone them if I had!I don't know whether to complain to them about this or not, enquiries should never count as a claim.

That's unbelievable. I never knew that. I know where they're coming from though. They're saying 'well if you broke you camera, whether you claimed or not, you still broke it so that means you're more of a risk so we'll have to charge you more'.
Insurance companies really do employ the most unscrupulous of tactics.

Edited by: "deeky" 22nd Mar 2013

22nd Mar 2013

deeky
That's unbelievable. I never knew that. I know where they're coming from … That's unbelievable. I never knew that. I know where they're coming from though. They're saying 'well if you broke you camera, whether you claimed or not, you still broke it so that means you're more of a risk so we'll have to charge you more'. Insurance companies really do employ the most unscrupulous of tactics.

Well yes, I considered that afterwards, however if that is the case they should make it very clear to you during the phonecall that making an enquiry will affect your policy whether you claim or not, and why am I supposed to notify future insurers if they ask 'have you made a claim in the last 5 years' and I haven't ever made a claim?

The woman was really quite snotty with me then put me on hold to speak to her manager after I confronted her about it, she shrugged it off after that so I'm not really sure if it was her mistake. Maybe I should write and ask exactly what's going on.

23rd Mar 2013

AXA took a year off me for a new windscreen....bas*****!

23rd Mar 2013

Wouldn't trust them, I had a small no fault accident (other party admitted fault) that was settled without any claim for damages or injury. My insurance went up by £200. Any excuse to bend you over.

23rd Mar 2013

craigwhitlow
AXA took a year off me for a new windscreen....bas*****!

Really? I was under the impression you just didn't earn any NCB for the current year if you had a windscreen claim.

23rd Mar 2013

craigwhitlow
AXA took a year off me for a new windscreen....bas*****!

Never heard of that before.. a windsreen replacement should not normally have any adverse effect on NCB's..

23rd Mar 2013

deeky
That's unbelievable. I never knew that. I know where they're coming from … That's unbelievable. I never knew that. I know where they're coming from though. They're saying 'well if you broke you camera, whether you claimed or not, you still broke it so that means you're more of a risk so we'll have to charge you more'. Insurance companies really do employ the most unscrupulous of tactics.

its unbelievable cos its not true

daturastorm was being fed bs in order to encourage acceptance of the renewal

Edited by: "csiman" 23rd Mar 2013

23rd Mar 2013

I still have two chips on my windscreen, but apparently they cant be repaired!

Edited by: "Predikuesi" 23rd Mar 2013

23rd Mar 2013

I received my renewal email and when I was expecting 6ncb there was only 5ncb so I rang them asking why and it was because id had a new windscreen...think I might look into it a bit more...

23rd Mar 2013

I used autoglass and got the offer with free windscreen wipers, they contacted my insurance comany and sorted it out between the two of them. I have not noticed any significant increase in my insurance quote and my no claim bonus was not affected. I insure via churchill.
Ring autoglass and see what they say.

23rd Mar 2013

craigwhitlow
I received my renewal email and when I was expecting 6ncb there was only … I received my renewal email and when I was expecting 6ncb there was only 5ncb so I rang them asking why and it was because id had a new windscreen...think I might look into it a bit more...

From Swiftcover (AXA).....

Comprehensive cover includes windscreen damage. Replacement of broken … Comprehensive cover includes windscreen damage. Replacement of broken glass and repairs to bodywork caused by the window breaking will freeze your No Claims Discount for a year.

So you haven't lost anything. You just didn't gain anything (apart from a new windscreen on the cheap).

23rd Mar 2013

Thanks shengis

23rd Mar 2013

all insurers are sly with their terms and conditions.i was with swiftcover no paperwork all online downloadable.when i had accident (knocked 8 yr old girl down on a crossing ,not my fault,she was fine btw)was told they wudnt touch my car until i paid £300 excess,as per t&c's,clearly stated (v small print on last page.was then told that it would be classed as my liability as because it child they have no way of claiming back the costs,when i queried why this wasnt stated in t&c's was told they limited to wot can be printed in there,so basically they can move goalposts to suit.so now my insurance dearer for 5 yrs as had claim against me,
so be warned this is standard practice ,even if you are not to blame if costs cannot be reclaimed it will count against you

23rd Mar 2013

sparky2076
all insurers are sly with their terms and conditions.i was with … all insurers are sly with their terms and conditions.i was with swiftcover no paperwork all online downloadable.when i had accident (knocked 8 yr old girl down on a crossing ,not my fault,she was fine btw)was told they wudnt touch my car until i paid £300 excess,as per t&c's,clearly stated (v small print on last page.was then told that it would be classed as my liability as because it child they have no way of claiming back the costs,when i queried why this wasnt stated in t&c's was told they limited to wot can be printed in there,so basically they can move goalposts to suit.so now my insurance dearer for 5 yrs as had claim against me, so be warned this is standard practice ,even if you are not to blame if costs cannot be reclaimed it will count against you

You knocked a child over on a crossing and it wasn't your fault? This sounds like a cool story bro, pray continue....

23rd Mar 2013

sparky2076
all insurers are sly with their terms and conditions.i was with … all insurers are sly with their terms and conditions.i was with swiftcover no paperwork all online downloadable.when i had accident (knocked 8 yr old girl down on a crossing ,not my fault,she was fine btw)was told they wudnt touch my car until i paid £300 excess,as per t&c's,clearly stated (v small print on last page.was then told that it would be classed as my liability as because it child they have no way of claiming back the costs,when i queried why this wasnt stated in t&c's was told they limited to wot can be printed in there,so basically they can move goalposts to suit.so now my insurance dearer for 5 yrs as had claim against me, so be warned this is standard practice ,even if you are not to blame if costs cannot be reclaimed it will count against you

how on earth did your car suffer damage from a child and she was 'fine'? oO

23rd Mar 2013

it was a pelican crossing and lights were on green for me , girl was on a kids scooter she pressed button and crossed before waiting for beeps n green man,no chance 4 me to stop.police exonerated me totally but still my fault in eyes of insurance.

23rd Mar 2013

csiman
how on earth did your car suffer damage from a child and she was 'fine'? … how on earth did your car suffer damage from a child and she was 'fine'? oO

23rd Mar 2013

bonnet and grill dented, windscreen smashed,girl had bruised arm and grazed knee,believe me it was a relief to see she was ok and alive.

24th Mar 2013

sparky2076
it was a pelican crossing and lights were on green for me , girl was on a … it was a pelican crossing and lights were on green for me , girl was on a kids scooter she pressed button and crossed before waiting for beeps n green man,no chance 4 me to stop.police exonerated me totally but still my fault in eyes of insurance.

A green light only means that you may proceed if it is clear and safe to do so,

24th Mar 2013

yes but strangely it was just a green light and not a sign saying beware of schoolgirls on scooters arriving from behind bushes on righthand side of road,

24th Mar 2013

sparky2076
yes but strangely it was just a green light and not a sign saying beware … yes but strangely it was just a green light and not a sign saying beware of schoolgirls on scooters arriving from behind bushes on righthand side of road,

Perhaps you may take a look at the Highway Code, you obviously havn't read one.

24th Mar 2013

you obviously comment to invoke a reaction,but i will say this much,the police and insurance assessor both exonerated me of all blame so my conscience is clear,and i am still confidant in my driving abilities.heaven forbid u shud ever do jury service as you seem to appoint yourself ,judge, jury and executioner on the slenderest of evidence.the original post was to highlight the vagaries of the insurance system and to educate other people.

24th Mar 2013

Inactive
Perhaps you may take a look at the Highway Code, you obviously haven't … Perhaps you may take a look at the Highway Code, you obviously haven't read one.

Accidents happen, perhaps the kids parents are to blame, perhaps they should of taught the child to wait for the green man etc... The highway code isn't just for drivers. The children need road sense too.

24th Mar 2013

shauneco
Accidents happen, perhaps the kids parents are to blame, perhaps they … Accidents happen, perhaps the kids parents are to blame, perhaps they should of taught the child to wait for the green man etc... The highway code isn't just for drivers. The children need road sense too.

Another candidate for the Highway Code.