Should I believe insurance company?

Kewreeuss

Went for a walk in the park and found side window smashed when I got back to the carpark. Mine wasn't the only one either. Seems it was just the joy of smashing that the cretins got off on as nothing was taken or disturbed in any of the cars.
I rang the insurance company and they said that for glass breakage there is no excess (unlike windscreen breakage), will have no impact on my NCB and when I specified it, they said nor on my next premium.
I don't particularly trust them. I am afraid that if I go ahead with the claim, they will shunt up the premium next time by more than if I just go to a breakers yard and get it sorted myself.
The company is AXA.
What do you think? Am I just cynical? Has anyone claimed for glass breakage and come through the process without getting burnt?

keithclancy

Kewreeuss wrote: »

Went for a walk in the park and found side window smashed when I got back to the carpark. Mine wasn't the only one either. Seems it was just the joy of smashing that the cretins got off on as nothing was taken or disturbed in any of the cars.
I rang the insurance company and they said that for glass breakage there is no excess (unlike windscreen breakage), will have no impact on my NCB and when I specified it, they said nor on my next premium.
I don't particularly trust them. I am afraid that if I go ahead with the claim, they will shunt up the premium next time by more than if I just go to a breakers yard and get it sorted myself.
The company is AXA.
What do you think? Am I just cynical? Has anyone claimed for glass breakage and come through the process without getting burnt?

That is the case however its still a claim and while it will not affect your premium with AXA, another insurer may still see it as a claim.

Difference being in Ireland they call it a No Claims Bonus.
Here in Holland they call it Schadevrijjaar (Accident Free Years) which does mean something different :pac:

Idleater

I had a windscreen replaced under my Axa policy and when I got my NCB cert the following renewal, it said No. of claims: 1 and Years NCB: 5 or some such. I didn't query it, and at renewal (during the usual ring around) I mentioned it and everyone understood what the "Claim" was and didn't apply anything to reduce the NCB.

Wudyaquit

Kewreeuss wrote: »

Went for a walk in the park and found side window smashed when I got back to the carpark. Mine wasn't the only one either. Seems it was just the joy of smashing that the cretins got off on as nothing was taken or disturbed in any of the cars.
I rang the insurance company and they said that for glass breakage there is no excess (unlike windscreen breakage), will have no impact on my NCB and when I specified it, they said nor on my next premium.
I don't particularly trust them. I am afraid that if I go ahead with the claim, they will shunt up the premium next time by more than if I just go to a breakers yard and get it sorted myself.
The company is AXA.
What do you think? Am I just cynical? Has anyone claimed for glass breakage and come through the process without getting burnt?

I have and there's nothing to worry about.
If they shunt up your premium, move insurers - when they ask have you made a claim in the last 5 years, just say no.

stevenmu

That's fairly standard for glass breakages. Though I think some only treat accidental breakages like that, vandalism falls under a theft claim. But then some don't count that as a claim either.

But in short I'd believe what they say.

robtri

not 100% sure but is the usual cover on policies for windscreen breakages???

as this is a side window someting makes me think it can effect your NCB

challengemaster

If they're saying it wont affect your premium/NCB, Ask for it in writing. Atleast then you've something to back you up if they do shunt it

Kewreeuss

Thank you everyone for replying.
Will ask them for written confirmation and meanwhile will check out the breakers.

Keith186

Windscreen (glass) doesn't usually effect NCB I wouldn't worry about it.
Had one myself and renewal still went cheaper couple of years ago.

CreepingDeath

Even reporting the incident but not claiming can affect your "NCB" !

My first car was an old 1992 Opel Corsa.
Long story cut short, it went on fire and was a write-off. (Don't perform DIY on fuel line leaks in perished rubber hoses)

I rang up Quinn Direct, just to see whether it was worth claiming or not.
In the end, I didn't.
I have never claimed off of motor insurance.

But on my "no claims" certificate says 9 years NCB for Quinn Direct, but 6 years actual NCB. So they recorded the incident even when I just enquired about claiming.

Gophur

Wudyaquit wrote: »

I have and there's nothing to worry about.
If they shunt up your premium, move insurers - when they ask have you made a claim in the last 5 years, just say no.

And thereby making any policy null and void, any policy for which you would have lied on the proposal. You have to disclose everything when applying for insurance. Should you have need to have a claim on an insurance policy, and it;'s found you have not disclosed a claim, even one so small, you could end up in very serious trouble.

KamiKazi

CreepingDeath wrote: »

Long story cut short, it went on fire and was a write-off. (Don't perform DIY on fuel line leaks in perished rubber hoses)

:pac:

opinion guy

Keith186 wrote: »

Windscreen (glass) doesn't usually effect NCB I wouldn't worry about it.
Had one myself and renewal still went cheaper couple of years ago.

Did you read the OP ? It wasn't his windscreen

Anan1

Kewreeuss wrote: »

Thank you everyone for replying.
Will ask them for written confirmation and meanwhile will check out the breakers.

I've never heard of glass claims affecting an NCB, but your policy document will confirm.

Our man in Havana

It might not affect your NCB with your existing company but it will be down as a claim. Should you ever move it will be there to bite you in the arse.

Our man in Havana

CreepingDeath wrote: »

Even reporting the incident but not claiming can affect your "NCB" !

My first car was an old 1992 Opel Corsa.
Long story cut short, it went on fire and was a write-off. (Don't perform DIY on fuel line leaks in perished rubber hoses)

I rang up Quinn Direct, just to see whether it was worth claiming or not.
In the end, I didn't.
I have never claimed off of motor insurance.

But on my "no claims" certificate says 9 years NCB for Quinn Direct, but 6 years actual NCB. So they recorded the incident even when I just enquired about claiming.

That is typical. Same for a no fault accident, even thou you did nothing wrong they punish you for it for 5 years.

Same scam with protected NCBs. Only protected for one company.

Keith186

opinion guy wrote: »

Did you read the OP ? It wasn't his windscreen

That's why I put glass in brackets.

mailforkev

I had a front side window replaced with no impact on my NCB with Zurich a couple of years ago after some knuckle dragger smashed it in.

It was covered under the Windsreen cover.

Anan1

Our man in Havana wrote: »

It might not affect your NCB with your existing company but it will be down as a claim. Should you ever move it will be there to bite you in the arse.

Honestly, most if not all will be fine with a glass claim.

Del2005

Our man in Havana wrote: »

It might not affect your NCB with your existing company but it will be down as a claim. Should you ever move it will be there to bite you in the arse.

I had a chip repaired last year. My renewal came with full NCB but with 1 claim. When I rang around all I was asked was how much was the windscreen claim, I'd no idea so told them it was a chip repair and had no issues.

Wudyaquit

Gophur wrote: »

And thereby making any policy null and void, any policy for which you would have lied on the proposal. You have to disclose everything when applying for insurance. Should you have need to have a claim on an insurance policy, and it;'s found you have not disclosed a claim, even one so small, you could end up in very serious trouble.

Any attempt by an insurance company to get out of a claim in this circumstance would be laughed out of court.