As a driver in the UK, you’ve likely worked hard to build up your no-claims bonus. This valuable discount on your insurance premiums is a reward for careful driving, and it’s natural to want to protect it. One common concern is whether making a claim for windscreen damage will affect this hard-earned bonus. Let’s explore this topic in-depth and provide some clarity.
The Good News: Your No-Claims Bonus is Usually Safe
Generally speaking, most UK insurance providers treat windscreen claims differently from other types of claims. This means that in the majority of cases, making a claim for windscreen repair or replacement won’t impact your no-claims bonus. Insurers recognise that windscreen damage is often unavoidable and can happen to even the most careful drivers.
Why Windscreen Claims Are Treated Differently
There are several reasons why insurers take a unique approach to windscreen claims:
- Windscreen damage is incredibly common. From small stones kicked up by other vehicles to extreme temperature fluctuations, there are many ways your windscreen can become damaged.
- A damaged windscreen it’s a significant safety concern. Insurers want to encourage prompt repairs to maintain road safety.
- Unlike many other claims, windscreen damage is rarely the driver’s fault. It’s typically due to environmental factors or simple bad luck.
- For insurance companies, it’s often more economical to cover quick repairs for small chips than to deal with full windscreen replacements later on.
- In many cases, driving with a damaged windscreen can be illegal if it obstructs the driver’s view. Insurers want to promote compliance with road safety laws.
Important Considerations for Windscreen Cover
While windscreen claims are generally ‘no-claims bonus friendly’, there are some key points to keep in mind:
- Policy Specifics: Always review your individual policy terms. 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, though it’s often lower than for other claim types. Some policies even waive the excess for repairs.
- Cover Options: Some policies include a comprehensive windscreen cover as standard, while others offer it as an add-on. Consider your needs and driving environment when choosing your cover.
- Multiple Claims: While a single claim is unlikely to affect your bonus, multiple claims in a short period might raise concerns with your insurer.
- Renewal Timing: Claims made close to your renewal date might influence your new premium, even if your no-claims bonus remains intact.
Advanced Windscreen Technologies and Their Impact on Claims
As automotive technology evolves, so do windscreens. Many modern vehicles now come equipped with advanced driver-assistance systems (ADAS) that rely on cameras and sensors often mounted on or near the windscreen. These systems can include:
- Lane departure warnings
- Automatic emergency braking
- Adaptive cruise control
- Rain-sensing wipers
When windscreens with these technologies need replacement, the process becomes more complex and expensive. Not only does the glass need replacing, but the ADAS systems often require recalibration to ensure they function correctly.
Insurance implications:
- Higher repair costs: Due to the added complexity, repairs or replacements for these high-tech windscreens can be significantly more expensive.
- Potential for higher premiums: While a single claim might not affect your no-claims bonus, the increased cost of these repairs could lead to higher overall premiums in the future.
- Specialised repairers: You may need to use specific repair shops capable of handling ADAS recalibration, potentially limiting your choices.
If your vehicle has these advanced features, it’s worth discussing with your insurer how they handle claims for these more complex windscreen replacements. Some insurers may offer specific coverage options for vehicles with ADAS technologies.
The Importance of Timing
Don’t let concerns about your no-claims bonus delay necessary windscreen repairs. Swift action is crucial for several reasons. Firstly, your windscreen plays a vital role in your vehicle’s structural integrity, contributing up to 30% of its strength in many modern cars. Even small chips can compromise this.
Secondly, a properly installed windscreen is essential for correct airbag deployment during collisions. Thirdly, clear visibility is paramount for safe driving – minor damage can create dangerous blind spots or distortions. From a cost perspective, small chips can rapidly develop into large cracks, especially with temperature fluctuations, turning a simple repair into an expensive replacement.
Lastly, severely damaged windscreens can lead to MOT failures and potential legal issues if they impair visibility. Remember, your safety on the road should always be the top priority.
Understanding the Claims Process
If you need to make a windscreen claim, here’s what you typically need to do:
- Contact your insurer: Many have a dedicated glass claims line.
- Provide necessary details: You’ll need your policy number and information about the damage.
- Use an approved repairer: Most insurers have a network of trusted windscreen specialists.
- Pay any applicable excess: This is usually done directly to the repairer.
Remember, arranging repairs without going through your insurer means you won’t be able to claim on your insurance.
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. If you’re unsure about your coverage or have concerns about making a claim, don’t hesitate to contact your insurer for clarification. Your safety, and the safety of others on the road, should always come first.
For prompt, professional windscreen repairs and replacements, don’t hesitate to contact Jay and Rob’s Windscreens – we’re here to help with all your windscreen needs and can even assist with insurance claims.