Chipped front windscreen on QP

[CatmanV2]

Right hen
With Aviva as of 1st March

Approved repairer Screen Replacement Unlimited

Non Approved Repairer £185 per claim

Screen replacemnt xs £75

So does that mean they will only go to £185 of which I have to pay £75?
Confused
I may need to call them

I think you have the right of it, but best check

C

 

[MAF260]

Right hen
With Aviva as of 1st March

Approved repairer Screen Replacement Unlimited

Non Approved Repairer £185 per claim

Screen replacemnt xs £75

So does that mean they will only go to £185 of which I have to pay £75?
Confused
I may need to call them

It means that if you go to a non-approved repairer the maximum claim limit for a new screen is £185 - i.e. way less than the cost of a replacement. If you use one of their approved repairers there is no limit on the cost of the screen.

Excess is £75 either way.

I had Autoglass replace my screen. To say I was nervous is a massive understatement. I called Autoglass and insisted they fit a OEM screen and that they send one of their specialist fitters. They ordered the screen from Maserati (said they didn't get them from anywhere else) and sent a brilliant guy who was thrilled to work on such a car as his usual fayre was Land Rover Evoque glass roofs which are apparently a nightmare to replace. He was as careful as I could have wanted and did a great job that I couldn't fault - no bits of broken glass anywhere, very clean, neat and tidy.

 

[daverichardson]

Thanks mate very interesting

 

[Wack61]

But it's a whole different ball game for a Maserati screen surely? They are hellishly expensive to buy in the first place - top tint, heated, rain & light sensors etc - plus a bit of a pig to fit?

I saw speaking from it doesn't affect your insurance point of view, not a Maserati windscreen cost , ultimately it wasn't a problem but it was the fact that windscreen claims were counted against the automatic renewal, you don't have a choice when it's an exotic , if they can't repair it then it's a claim.

 

[rossyl]

When looking for insurance I have seen that some insurers now do not give the usual low excess for windscreens, instead it is the same as a normal claim. I have also seen a maximum cap on the cost of the windscreen, usually £1k which would not have covered MAF's GS windscreen.

So check your policies!

As for the original post:
- if it is in the Driver's Line Of Sight, unfortunately that's an MOT fail and you need a new windscreen
- if it's not in the line of sight, call Auto glass or similar ASAP to fill the chip with resin, it's their standard repair.

This time of year is bad for windscreen chips, moisture goes in to the chip, freezes, expands, big crack...goodbye windscreen.

 

[Glassman]

Windscreen repair or replacement will NOT affect your bonus or claims record. Only an issue if surrounding bodywork damaged at same time.

Incorrect. Windscreen claims *will* impact NCD with some insurers. In any case, the claim will be recorded *somewhere* and may affect your premium on renewal.

 

[beau]

Claiming for your windscreen does effect your renewal (in my case)

With a windscreen claim admiral wanted thousands more the next year

It didn't effect my ncd, but it's still put down as a claim

 

[Wack61]

That's the reason I don't pay extra for protected bonus any more, insurance for your insurance , and if you claim the NCB stays the same but they just add it on to the renewal

If it really was protected bonus next years premium would be the same price

 

[Zep]

That's the reason I don't pay extra for protected bonus any more, insurance for your insurance , and if you claim the NCB stays the same but they just add it on to the renewal

If it really was protected bonus next years premium would be the same price

I always thought this was a two pronged thing. NCD is a discount off the premium and the premium itself is calculated based on your claim history.

So you have an accident or claim and the premium increases. Your discount off the premium goes down if you are not protected and so you get hit twice. If you protect your NCD then the discount remains but the premium is higher so the price goes up.

This made interesting reading...

http://www.moneysupermarket.com/c/news/maximise-premium-savings-with-or-without-an-NCD/0013554/

 

[Wack61]

I'm quids in then, not paid for protected bonus for 20 years and had no at fault claims

I did find something out from a broker, the prices given for insurance are like any wholesale product, the more you buy the cheaper it gets

Insurance companies will give quotes based on the volume of insurance they buy which is why you get specialist brokers that the bigger companies can't get close to on price.

My courier insurance was £350 cheaper through a specialist broker than any of the comparison sites

 

[Zep]

Indeed, based on those numbers you might be 300 - 400 quid better off!

 

[daverichardson]

Yes interesting article.
So far I have protected my NCD and never really thought about it as I wanted to preserve it for next year. Now I am not sure
My Renault is up for insurance mid March, so I will play with the NCD and see how it goes
In the end it is back to risk v reward