Windscreen repair, insurance claim???

[tldevon]

Have just had a chip in windscreen repaired through insurance had to pay £10, Now insurance is due in the next few weeks do I have to declare this as a claim when getting quotes from other insurers ? :?

 

[2alpsade]

No

Windscreen repairs and replacements do not affect NCD and do not need declaring.

Don't worry...

 

[mmm-five]

I'd check with your own insurer now to be sure. It depends on what your insurance T&Cs state.

In most instances it won't be classed as a claim, but if you're with one of the few companies that do class it as a claim then you'll have to declare it.

 

[IK.]

It doesn't count as a claim usually, but importantly now insurance companies typically ask if you have had any claims in the past 5 years INCLUDING windscreen repair claims.

 

[pvr]

Whatever next ...

 

[original guvnor]

No

Windscreen repairs and replacements do not affect NCD and do not need declaring.

Don't worry...

I'm sorry but that isn't correct. I have just had a major bust up with More Than Insurance because I didn't declare a windscreen claim and when my proof of NCD came through from my previous insurers it was on there as a claim. It might not affect your NCD but you must declare it.

 

[DrNick]

No

Windscreen repairs and replacements do not affect NCD and do not need declaring.

Don't worry...

I'm sorry but that isn't correct. I have just had a major bust up with More Than Insurance because I didn't declare a windscreen claim and when my proof of NCD came through from my previous insurers it was on there as a claim. It might not affect your NCD but you must declare it.

Agreed - you must declare it as a claim, it won't affect your premium though (well it didn't mine). Always best to be totally upfront and honest with insurance, they will find ANY excuse not to pay out should the time to claim ever come...

 

[tldevon]

Have just had a chip in windscreen repaired through insurance had to pay £10, Now insurance is due in the next few weeks do I have to declare this as a claim when getting quotes from other insurers ? :?

Eventually renewed insurance £200!!, told them about chip windscreen claim, no problem it does'nt affect no claims with us he said but there are some companies that will class it as a claim,

So all OK But like all insurers there only good when you get a claim settled!

 

[Adamski]

With insurance, best to declare all. You may need to make a substantial claim (touch wood you never do), and in these cases insurance companies will look for anything to avoid paying out. Sad, but true...

 

[AlanJ]

Not sure any insurance company fails to pay out when you comply with their terms and conditions - sad fact is that all too often we fail to read the small print or ask the relevant questions when we take out a policy. Happened to me some time ago (not in the Zed) when my son had an accident and in the T & C it said any accident must be reported in the 24 hours after the accident. With one thing and another I left it 36 hours - result insurance not interested but with some reasoned argument etc they agreed but they didn't have to. AND perhaps worth remembering the more they [the Insurers] pay out the more our next renewals cost - they're not a charity but in it to make money.

 

[Taz]

AND perhaps worth remembering the more they [the Insurers] pay out the more our next renewals cost - they're not a charity but in it to make money.

so they should allows us settle things ourselves and not penalize us for doing so

 

[AlanJ]

AND perhaps worth remembering the more they [the Insurers] pay out the more our next renewals cost - they're not a charity but in it to make money.

so they should allows us settle things ourselves and not penalize us for doing so

Couldn't agree more.

 

[AlanJ]

AND perhaps worth remembering the more they [the Insurers] pay out the more our next renewals cost - they're not a charity but in it to make money.

so they should allows us settle things ourselves and not penalize us for doing so

Couldn't agree more.

But in any assessment of risk it’s the history that unfortunately reflect the premium. Bit like going to a health insurance company and telling them that you had a heart attack a year ago but paid the doctors fees for treatment yourself and now expect a cheap annual premium for potential future treatment.