quality windscreen chip repair

Will I Lose My No Claims Bonus If I Claim For Windscreen?

For many UK drivers, the no-claims bonus is a prized possession. It’s a reward for careful driving that can significantly reduce insurance premiums. So, it’s natural to worry about anything that might jeopardise this hard-earned discount. 

One common concern is whether claiming for windscreen damage will affect your no-claims bonus so let’s clear up any confusion.

The Short Answer: Usually Not

Good news! In most cases, making a claim for windscreen repair or replacement won’t affect your no-claims bonus. Most UK car insurance providers treat windscreen claims differently from other types of claims. They understand that windscreen damage is a common occurrence and often unavoidable.

Why Windscreen Claims Are Different

Insurers take a unique approach to windscreen claims for several reasons:

  1. Frequency: Windscreen damage is one of the most common types of car-related issues. Small stones, debris on the road, or even extreme temperature changes can cause chips or cracks.
  2. Safety Concerns: A damaged windscreen isn’t just a cosmetic issue – it’s a safety hazard. Insurers want to encourage drivers to repair the damage quickly rather than delay due to fears about their no-claims bonus.
  3. Fault: Unlike many other insurance claims, windscreen damage is rarely the driver’s fault. It’s usually down to random chance or environmental factors.
  4. Cost-Effective: For insurers, it’s often cheaper to repair a small chip quickly than to deal with a full windscreen replacement later.

The Ins and Outs of Windscreen Cover

While windscreen claims are generally ‘no claims bonus friendly’, there are some important points to consider:

Check Your Policy 

Insurance policies can vary, so always review your specific terms and conditions. While most UK insurers don’t count windscreen claims against your no-claims bonus, it’s not a universal rule.

Excess Payments

 You may need to pay an excess for a windscreen claim. However, this is often lower than the excess for other types of claims. Some policies even waive the excess for windscreen repairs (as opposed to full replacements).

Standalone or Add-On Cover

 Some car insurance policies include comprehensive windscreen cover as standard. Others offer it as an optional extra. If you live in an area prone to windscreen damage (e.g., rural areas with lots of loose gravel), it might be worth ensuring you have this cover.

Impact of Multiple Claims 

While a single windscreen claim is unlikely to affect your no-claims bonus, multiple claims in a short period might raise eyebrows. Insurers might see this as a pattern and could adjust your premium at renewal time, even if your no-claims bonus remains intact.

Timing Matters

 If you make a windscreen claim close to your policy renewal date, it might influence your new premium quote. The claim will be on your recent claims history, which insurers consider when calculating premiums.

The Claims Process

If you need to make a windscreen claim, here’s typically what you’ll need to do:

  1. Contact your insurer: Many have a dedicated glass helpline.
  2. Provide details: You’ll need your policy number and information about the damage.
  3. Use an approved repairer: Most insurers have a network of approved windscreen specialists.
  4. Pay any excess: This is usually done directly to the repairer.

Remember, if you arrange repairs without going through your insurer, you won’t be able to claim on your insurance.

The Importance of Prompt Repairs

It’s crucial not to delay windscreen repairs out of fear for your no-claims bonus. Here’s why:

  1. Even small chips can compromise the structural integrity of your windscreen. In a collision, a weakened windscreen may not protect you as it should.
  2.  Severely damaged windscreens can lead to MOT failures. You might also be pulled over by the police if your visibility is impaired.
  3. Small chips can quickly turn into large cracks, especially in cold weather. What starts as a simple repair job could turn into a costly full replacement.
  4. Many insurers will repair small chips for free (minus any excess). Waiting until you need a full replacement will likely cost you more.

The Bottom Line

In most cases, claiming for windscreen damage won’t affect your no-claims bonus. However, it’s always worth checking your specific policy details. Don’t let fear of losing your no-claims bonus prevent you from addressing necessary windscreen repairs. Safe driving should always be your top priority.

Remember, a well-maintained windscreen is crucial for your safety on the road. It provides up to 30% of your car’s structural strength and is vital in airbag deployment. So, keep an eye on your windscreen’s condition and address any issues promptly.

Ultimately, your no-claims bonus is important, but it shouldn’t come at the cost of compromising your safety or breaking the law. If in doubt, a quick call to your insurer can clarify any concerns about how they handle windscreen claims. 

If you’re in need of windscreen repairs or replacements, don’t hesitate to reach out to us at Fleet Motorglass. We offer professional, reliable repairs to keep you safe on the road while helping you navigate any insurance concerns.


Tags: No tags

Comments are closed.