Does Claiming for a Windscreen Affect Your Insurance?
Reading time 3 minutes
Categories Insurance & Finance »
Does Claiming for a Windscreen Affect Your Insurance?
Reading time 3 minutes
Categories Insurance & Finance »
Windscreen insurance is a type of cover that many car insurance companies offer if a windscreen has been chipped, cracked or smashed.
This means that if your windscreen has sustained damage of any kind, you will not have to pay for the repairs or replacement out of your own pocket.
But does claiming for a windscreen negatively impact your premiums, no-claims bonus or any other insurance policy considerations?
In this article, The Windscreen Company team will take a closer look at how claiming for a windscreen may affect your car insurance.
This will depend on the specifics of your insurance policy.
Not all car insurance policies will automatically include windscreen cover, but if you opted for a fully comprehensive type then it most likely is included. Usually, you will have the choice as to whether the windscreen cover is part of the main policy or as a separate add-on.
It is best to add the windscreen cover separately as this will usually mean a lower excess than adding it under the main policy. Plus, having separate cover means you won’t lose your no-claims bonus on your main policy.
In some instances, windscreen cover may also cover panoramic sun roofs but you should always consult the details of your specific policy.
No, in most cases a windscreen insurance claim will not increase your premium.
Again, this will vary from policy to policy so be sure to check yours carefully. If you’ve had a windscreen repaired or replaced within the last five years you may need to declare it, but this shouldn’t impact your premiums.
Typically, the things that will increase your premiums include:
In most cases, making a windscreen claim will not impact your no-claims bonus. However, this will depend on the specifics of your policy, so it is always worth going through it carefully to make sure.
If your vehicle has sustained any type of windscreen damage, it is essential that you have it fixed as soon as possible.
Even if it seems minor, a chipped, scratched or cracked windscreen compromises the safety of your vehicle and could cause the problem to get worse.
At The Windscreen Company, we offer leading windscreen repairs and replacements to drivers across the West Midlands and South East. Providing a fully mobile service, we make the job as convenient as possible for you including carrying out the work at a place of your choosing.
No matter what the make and model of your vehicle, we’ll take the time to independently assess your vehicle and get you moving again as soon as possible. Plus, with technicians trained to the highest standards you can rest assured that you’re always in the best hands.
Our team can also assist you with insurance claims, so to learn more about our comprehensive service or to get a free quote contact our expert team today.
The Windscreen Company, has over 20 years of experience in windscreen repair and replacement. Since 1998, they have been at the forefront of industry innovation, leveraging the latest technology to ensure customer safety and satisfaction.
The Windscreen Company's, help-and-advice pages offer valuable tips and guidance on maintaining vehicle safety through quality windscreen care, while also featuring updated industry realted content.
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The Windscreen Company is a registered company in England.
Registered Number: 3545701 VAT Number: 720 0628 78
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