Shite Windscreen Cover Question

[EssDeeWon]

My 75 has a cracked screen, been like it since I bought it but its now getting much worse and creeping across the screen.

 

I have never claimed a penny from an insurance company in 15 years driving.

 

My question is should I claim on the insurance? They say it doesn't affect your no claims bonus but I know what insurance companies are like, they always look to get their money back somehow.

 

Has anyone claimed on their insurance then found their premium increase next year? Or am I better off just shopping around for a new screen supplied and fitted and leaving the insurance alone? I believe my screen excess is £70.

 

It was cracked during PBK's ownership but they don't need to know that 

[Angrydicky]

Try a company called Discount Windscreens. They're based Chelmsford/Maldon area, but cover the whole of Essex. Very friendly, knowledgeable guy came to my house and supplied/fitted a new screen to the Maestro for £130 cash, I'm not sure how much a 75 one would be though. I didn't want to go through the insurance either. All the other places I tried wanted around the £200 mark!

[Matt]

On this subject does anyone know if windscreen companies will be happy to fit a customer supplied screen? The Swift could do with one thanks to the daft previous owner clearing the inside with the back of her hand while wearing a ring or something and am I hell paying near £200 when I can get a good used one for a third of that.

[stripped fred]

I would definitely claim on the insurance. You'll have to pay the first £50 or £75 but it doesn't affect your ncb. Have a look at your policy details if you want to be sure but I've never known it have any effect.

[mat_the_cat]

I've never known you to lose your NCB, but with Swiftcover you're NCB is frozen for any year you make a windscreen claim. I think that's pretty unusual though.

 

I've had fitters install screens I supplied before, although they recommended a new 'seal' (whether I supplied it or them) to minimise the risk of water getting behind it and sitting against the bond - which is the real water seal.

[tooSavvy]

Whilst robbing my window winder mech for MrSavvy I got tugged by a guy, lookinn well dodgy - "Oi m8, can yuss give a lift wi this... been on effinn ages and don't want to knakk it!"

 

Megane front screen.... Mintolla & weighed eff all!

 

Oikked it onto his shoulder and toddled off....

 

 

TS

[dave21478]

I had a run of (genuine) bad luck years back and went through something like 3 screens in 4 months. My policy never went up.

 

Its really quite amazing what a difference a brand new screen makes - you think your old one is fine (damage aside) until you get a new one and its a revelation, especially at night, without all the tiny little flaws that you kind of tuned out on the old screen.

[Pillock]

I claimed for three in 18 months and never had a query or a policy increase.

[stephen01]

just claimed for one my van, 10 days before the insurance ran out. 

 

In the past I've been asked have you claimed for a window, the last few renewals though I've not been asked.. 

[EssDeeWon]

Cheers for the replies, sod it I will claim then, after all I've probably spent thousands on car insurance and never seen a penny back.