Claim windscreen damage on insurance?

Discussion in 'General chat' started by Merc? No. BM!, Jun 30, 2020.

  1. Merc? No. BM!
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    Merc? No. BM! WARLORD Site Supporter

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    Last March, just before the Covid lockdown, while diving on the motorway a stone hit my windscreen and caused a ‘star/bullseye’ of just over a centimetre in diameter.

    Since it’s been a while and I started using the car again it needs repair (or even replacement?).

    I’m wondering if I should claim on my insurance as I’m not sure wether this will actually be treated as a claim whereby affecting my no claims (protected) and/or future premiums.

    My excess is £15 for repair and £75 for replacement.

    Any advice appreciated!
     
  2. Abh29
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    Abh29 Site Supporter

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    Our policy (nfu) the ncd is not effected if we have a glass claim , but
    Glass Replacement. £50. (approved company)
    £70. (all other circumstances)

    Repairs carry no excess
    Our ncd are protected.
    Claimed twice in 5 years and had no effect on the premiums.
     
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  3. slim_boy_fat
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    slim_boy_fat WARLORD Site Supporter

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    If the damage is within the 'proscribed' area, replacement may be the only option. I had a chip on the passenger side repaired on the e39 by Autoglass, all done very efficiently but although it was virtually invisible from the outside, it could just be seen from inside the car
     
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  4. bishbosh
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    bishbosh WARLORD Site Supporter

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    I've had 3 repairs in as many years and none affected my no claims bonus.

    First 2 stone chips were about 8 months apart and both resulted in the windscreen needing replacement. :eek: Excess of £75 each time.

    The last stone chip was a few months ago and was repaired with the resin or whatever it is - didn't cost me any excess.
     
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  5. GunRunner
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    GunRunner Site Supporter

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    I had a resin repair last year. It did not affect anything and I did not pay anything.
     
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  6. snrbrtsn
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    snrbrtsn WARLORD Site Supporter

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    It depends on policy provider, read the notes on your policy and ensure have glass cover some comparison sites are known to exclude to lessen the cost of policy
    Ordinarily, it does effect no claims

    Though it’s now evident I should of read and not skim read your post
    A call to auto glass or similar will effect repair without the need for multiple calls, all they will need is reg/vin, insurance provider and policy number, repair will be at a place of your choice, whether it be home, work or shopping centre on an agreed time slot
     
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    Last edited: Jul 1, 2020
  7. kleynie
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    kleynie WARLORD Site Supporter

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    But, it does depend on the specific policy. My sons Audi A2 required a screen and Admiral (at the time) said that it could affect next years premium, mainly as he was 18 and any excuse to raise the cost. So, the bank of mum and dad paid £225 for a private guy to fit the screen at home to an excellent standard. His windscreen through Admiral would have been £125, so another £100 to not affect his premium for years to come and the choice of using a local independent seemed good value to me.
     
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  8. Merc? No. BM!
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    Merc? No. BM! WARLORD Site Supporter

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    Thanks all.

    I don't seem able to find my insurer's exact conditions on possible claim/premium consequences so tried to 'chat' online with Co-op but this turned out to be a computer and not a person.

    It cut me off halfway my question and told me I'll receive an email with the answer. I'm not expecting a full answer really.

    I wanted to keep the question general and not actually claim yet. I've heard it say (here at BMWLand) that even if you only enquire about a claim it can be recorded as a claim.

    News just in: received email: "This information doesn't match any policies on our system..." This is because I didn't have my policy number at hand.

    They advise me to get in touch with BISL ltd who administer the policy. Anyone know who they are?

    I'll try that now.
     
  9. MDC250
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    MDC250

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  10. MDC250
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    MDC250

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    Would be amazed if a windscreen “claim” impacts on NCB, it would be a terrible motor insurance policy if it did.

    Usually your insurer will have a preferred supplier and if you go to them it will be free or a modest contribution if we are talking about a repair. Go outside of their supplier and usually on your own.

    Have heard some nightmare stories about replacement screens not being quite right as in light and windscreen wiper sensors fouling but that is usually when a generic screen rather than a specific OEM screen is used.
     
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  11. Merc? No. BM!
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    Merc? No. BM! WARLORD Site Supporter

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    Insurers have confirmed that glass repair or replacement doesn’t change NCB and “shouldn’t” change future premiums.

    I booked in a replacement but will check with the fitting company wether they use OEM. Is that likely, you think?

    Otherwise I’ll have to change plans. I don’t want an inferior windscreen. :unsure:
     
  12. slim_boy_fat
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    slim_boy_fat WARLORD Site Supporter

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    I suspect if you chose/specify a BMW replacement, you'll have to stump up for the difference between the cost of that and what your policy covers cost-wise. :pale:
     
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  13. bishbosh
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    bishbosh WARLORD Site Supporter

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    Both of my windscreen replacements were with Autoglass, if you have a HUD then you will get the appropriate glass for that. But I've never pushed for BMW branded glass - it's made in the same factory. In most cases the insurer will ask you to pay more if you want BMW branded glass.
     
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  14. GunRunner
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    GunRunner Site Supporter

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    Additionally, it is wise to contact the windscreen company in advance, otherwise (if they are coming to your premises) they might only have the generic one on the truck.
     
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  15. slim_boy_fat
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    Good point, I was thinking more if he chose to put the car into his Dealership - but then, they probably use A/Glass anyway?
     
  16. Merc? No. BM!
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    Merc? No. BM! WARLORD Site Supporter

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    Cheers for the pointers guys.
    Still not really sure wether to go for BMW, OEM or just with anything the glass company provides... :scratchchin::scratchchin::-(

    Was thinking to go with just a repair, but maybe that’s not an option because of where the damage is?

    Please see photo. Damage is inside the yellow circle.
    What do you think?
    32367FC2-38B7-4384-80E8-F0FF4C959FE4.jpeg
     
  17. bishbosh
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    bishbosh WARLORD Site Supporter

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    If the damage is greater than 10mm within the area above the steering wheel then you should get a replacement.

    Hard to tell but going on that photo you may be able to get it repaired. The worst places on a windscreen for chips and cracks are the corners where the glass is stressed the most.
     
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  18. Carl W
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    Carl W Site Supporter

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    I'm more concerned about the car wash sign than the chip in the screen!
    Stay clear of the 'rag draggers'

    Kindest Regards
    Carl.
     
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  19. Merc? No. BM!
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    Merc? No. BM! WARLORD Site Supporter

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    I think it’s 12 to 15 mm and just left from the steering wheel.
    Close call maybe?
     
  20. bishbosh
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    bishbosh WARLORD Site Supporter

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    See what the insurers say. I had a chip that could have been repaired but it developed into a foot long crack!
     
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