Will a Windscreen Claim Raise Your Insurance Premium?

Will a Windscreen Claim Raise Your Insurance Premium?

It’s a common worry when making any insurance claim. Here’s general information to help you understand the factors involved – for advice on your specific policy, always check with your insurer.

It Depends on Your Insurer and Policy

Whether a windscreen claim affects your premium varies between insurers and policies. Some insurers offer windscreen or glass cover that doesn’t count against your no-claim bonus, while others may treat it like any other claim. There’s no single answer that applies to every policy.

Questions Worth Asking Your Insurer

Before making a claim, it can help to ask your insurer: does this policy include no-claim-bonus protection for glass claims? Does a windscreen claim count toward my claims history? Is there a separate, lower excess for glass? Getting clear answers upfront means no surprises later.

Repair vs Replacement

Some insurers treat a small stone chip repair differently from a full windscreen replacement, sometimes waiving the excess or not counting it against your record to encourage early repairs. This is a good reason to get chips fixed quickly rather than waiting.

Weighing Up Whether to Claim

For a straightforward replacement, some people choose to pay privately rather than claim, particularly if their excess is high relative to the repair cost or they’re concerned about how a claim might be recorded. This is a personal decision based on your specific policy and circumstances – we’re not insurance advisors, so please treat this as general information rather than financial advice, and speak with your insurer or a financial adviser for guidance specific to your situation.

FAQ

Does a stone chip repair affect my premium?

This varies by insurer – many treat repairs favourably since they prevent a bigger claim later, but check your specific policy to be sure.

Should I pay privately instead of claiming?

It depends on your excess, the cost of the job and your policy terms. Weigh up the numbers for your situation, or ask your insurer for guidance.

Can you provide documentation for my claim?

Yes, we’re happy to provide a quote or invoice to support an insurance claim.

Get a Quote First

Before you decide how to proceed, get a clear quote from us so you can weigh up your options. Make an appointment or call 0405 412 951.