A question for the car insurance experts please... (I know there are a few on here)
I have a crack spreading down my windscreen (right into driver's eye-line) after a lorry threw up a stone the other day.
I have a £95 excess for a replacement windscreen on my policy (with Flow which has just become part of Allianz) and my main question is whether a claim will affect next year's renewal amount.
I am reluctant to contact Allianz for clarification in case it will up the renewal quote before I even do anything (policy expires in 1 month). That said, I am unlikely to renew as the quote is currently nearly 50% higher (£600-odd to £900) than last year and I have found alternatives for about £675 already.
Relevant policy wording:
You’re covered for damage to the windscreen or window glass including sun-roofs, ADAS recalibration costs and any resultant scratching of the
bodywork.
We may use a suitable replacement not supplied by the original manufacturer but it will be of a similar quality. Your premium may increase following a claim, but as long as there’s no other loss or damage – your NCD won’t be affected.
You’ll need to pay an excess if the windscreen or window glass is replaced or repaired – your personal details show how much you’ll need to pay and also
the additional excess if you choose a non-recommended repairer to complete the replacement – including recalibrations on cars fitted with ADAS.
Am I being dumb by not really getting the bit around NCD but premium maybe increasing anyway because of a claim?
Should I claim on current insurance, or wait until I've got next year's paid for (genuinely without a claim) and then claim on the new insurance (at least delaying a higher premium)?
Lastly, should I go with Autoglass that says they will handle the whole insurance side for me...?
My usual tactic would be to not claim as I generally think the increase in premiums wipes out the saving made by a claim, but in this instance paying the £95 excess and claiming seems a lot better than the c £1000 for a new windscreen (newish A6 Avant).
Thanks in advance NSC's hive mind!
I have a crack spreading down my windscreen (right into driver's eye-line) after a lorry threw up a stone the other day.
I have a £95 excess for a replacement windscreen on my policy (with Flow which has just become part of Allianz) and my main question is whether a claim will affect next year's renewal amount.
I am reluctant to contact Allianz for clarification in case it will up the renewal quote before I even do anything (policy expires in 1 month). That said, I am unlikely to renew as the quote is currently nearly 50% higher (£600-odd to £900) than last year and I have found alternatives for about £675 already.
Relevant policy wording:
You’re covered for damage to the windscreen or window glass including sun-roofs, ADAS recalibration costs and any resultant scratching of the
bodywork.
We may use a suitable replacement not supplied by the original manufacturer but it will be of a similar quality. Your premium may increase following a claim, but as long as there’s no other loss or damage – your NCD won’t be affected.
You’ll need to pay an excess if the windscreen or window glass is replaced or repaired – your personal details show how much you’ll need to pay and also
the additional excess if you choose a non-recommended repairer to complete the replacement – including recalibrations on cars fitted with ADAS.
Am I being dumb by not really getting the bit around NCD but premium maybe increasing anyway because of a claim?
Should I claim on current insurance, or wait until I've got next year's paid for (genuinely without a claim) and then claim on the new insurance (at least delaying a higher premium)?
Lastly, should I go with Autoglass that says they will handle the whole insurance side for me...?
My usual tactic would be to not claim as I generally think the increase in premiums wipes out the saving made by a claim, but in this instance paying the £95 excess and claiming seems a lot better than the c £1000 for a new windscreen (newish A6 Avant).
Thanks in advance NSC's hive mind!
