Cracked Windscreen - Claim on Insurance or not?

Hussman

Hussman

Hussman

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Joined
1 Nov 2003
Posts
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Location
Maidstone, Kent
Driving home tonight on the motorway, I heard a small thud on the windscreen. No vehicles particularly close in front of me, and only a small thud. Not one of those clouts that make you flinch.

Anyway, I thought no more of it.

Then, about 2 miles down the road, a crack begin to work its way across the screen on the drivers side. In the 10 miles from the impact to arriving home the crack has grown to about 6 inches.

Clearly then, I need a new screen.

The question is do I do this via insurance or get it replaced independently? After some googling I'm none the wiser, as some say claim it on insurance, and others say don't.

Be grateful for any advice re next steps.

Thanks in advance.

Hussman.
 
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Claim unless you'd rather pay hundreds of pounds out of pocket. Generally glass claims don't come under the "have you had any accidents or made any claims in the last 5 years" question either.
 
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tom_e said:
Generally glass claims don't come under the "have you had any accidents or made any claims in the last 5 years" question either.
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it does, you'd have to declare it as a fault claim on the comparison websites (i had a windscreen claim 3 years ago)
whether it has any effect on the premium, however, idk, i haven't tried...
 
Last renewal I was asked about windscreens as a separate question. I'd just claim for a new windscreen, I've had no premium loadings for windscreens in the past.
 
If you're that worried, why don't you go to a insurance comparison site and get a quote with and without a windscreen claim?
 
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I didn't think you had to declare windscreen changes and I never have. Luckily it's never been an issue even when I made a claim for theft of vehicle and had a windscreen claim a couple of years prior. But I will declare it in future.
 
Depends on the car (or rather the cost to replace it yourself).

If it's a modern car with loads of sensors then it's probably going to cost ££££ (my Niro is about £1,500), if it's an older car then it may be significantly cheaper.

tom_e said:
Generally glass claims don't come under the "have you had any accidents or made any claims in the last 5 years" question either.
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Yeah.... ignore this. There's usually a specific category for glass claims, but you still need to declare it.
 
Depends on the car. Just be aware your insurance company will usually use autoglass.....they use cheap as possible made in china OEM clone glass not the OEM originals! plus they will want the car for 4 hours to recalibrate the ADAS equipment as they are not using the OEM part!

Find out the part number source the screen yourself pay some experienced fitter to come do on your driveway it takes them 20 mins or so and as OEM original windscreen no need for ADAS to be recalibrated either!

Insurance company wanted £2572 to provide the OEM original on mine. I declined that got it done privately for £1100 (£700 trade price for the screen £400 fitting as 2 people hired by me to speed the process up) including fitting did not touch the insurance at all. Almost everytime the insurance company will not let you have an OEM like for like replacement due to the immense cost.
 
If your not bothered much about the car & happy to let autoglass :rolleyes: have it for 4 hours to drive around in it giving it a good thrashing.......let them do via insurance :eek:
 
Claim. You don't declare windscreen/glass repairs at renewal time.

Some of windscreens on modern cars are ridiculously expensive. Try and insist on OEM though as most of the time, the made in China "it's as good as OEM" reproductions aren't really as good as OEM. They are thinner or they don't quite line up as nicely, or the heating elements (if it has some) are crap. There is a reason they are much cheaper :/
 
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Penfold101 said:
Why would they be driving the car for 4 hours…?:confused:
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If its a rare high performance car how else would they ever get their grubby little mitts on it ;) do you seriously believe they spend 4 hours recalibrating ADAS LOL! Replacing an entire windscreen for an experienced fitter is like a 10-15 mins job if that :eek:
 
AWPC said:
If its a rare high performance car how else would they ever get their grubby little mitts on it ;) do you seriously believe they spend 4 hours recalibrating ADAS LOL! Replacing an entire windscreen for an experienced fitter is like a 10-15 mins job if that :eek:
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Yes, and that’s all it took when I had mine done on my driveway for the £70 policy excess. What on earth are you blabbering on about?
 
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