Claiming on home insurance for smashed window

rangor gubbins

rangor gubbins

rangor gubbins

Associate
Joined
5 Aug 2006
Posts
1,080
Location
Kent, UK
Hi all,
Anyone got any thoughts or experience with claiming on their home insurance for smashed windows and impact on premiums in subsequent years?
The other weekend I was strimming and a stone flicked up and shattered the outer sheet of a double glazing pane.
I'm thinking to claim on our home insurance to get it fixed. We have another pane in the conservatory with the same problem that a friend of mine did a couple years ago, so was planning to get both done at the same time.
We're with direct line. If we claim will they just put our premiums up next year? I'm not sure if it's worth it for the cost of replacing a couple of panes.
 
Good points. I'll check the excess.
And do a new quote without the excess to see the difference from what we pay now.

@Haze its not a matter of "how hard up" or not we are, but rather what's most cost effective. Where we live finding someone to do the repair will be hard enough and likely cost way more than it should.
 
Blimey, that's a beautiful view.
Thanks for the info. I had a figure in mind that it be £500-800 for two windows. One of them has got wooden beading internally and externally (country Cottage style) plus metal framing between the glass sheets so will inevitably be more expensive than normal panes - what a pain :)
 
Gammawolf said:
Consider replacing it yourself? Probably cheaper than the excess. If its a upvc unit then they are super easy, you just take out the beading, pop the window out and put the new one in. I had a crack in a kitchen window and got a replacement for £36 (90cm high, 51cm wide) from a local glazing company made. You just send them the dimensions of the window and thickness.

Typically thickness will fall into the below categories, with numbers in brackets meaning (Glass - Gap - Glass)
  • 14mm (4-6-4)
  • 16mm (4-8-4)
  • 18mm (4-10-4)
  • 20mm (4-12-4)
  • 22mm (4-14-4)
  • 24mm (4-16-4)
  • 28mm (4-20-4)
Click to expand...
That's good to know, thanks. The conservatory window is pvc but the other window with the glazing bars is wooden
 
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