Car insurance excess.

[PoliceMadAd]

Just a query that someone may be able to help me with.

I had a courtesy car after an accident last year, and had a stone crack the windscreen. The charge for repair came out of the excess i had on the car, so does it count as an insurance claim, as the excess was more than the cost of repair, and the excess was my deposit.

Someone clear it up for me please

 

[Vapin' Joe]

Not sure how it stands with a hire car, but in terms of No Claims Bonus there is usually no effect when you claim for windscreen repairs or replacement.

Out of interest, how much did the hire company charge you? They would have had to pay no more than sixty or seventy quid for a replacement screen, nothing for a chip repair.

 

[PoliceMadAd]

Yeah i think my deposit was £50 for damage and £300 for windscreen, i thought very strange, the lady said she'd try but couldn't guarantee to get me the £50 charge, and she did. I may be wrong with the amounts, but i do recall it being odd. I'm not fussed about NCB, just whether it counts as a claim. But thanks for the help.

 

[Night Train]

It is one reason I always pay for the accident damage waiver whenever I hire a car or van. I can do what I like with it (within reason) and there are no come backs.

However, in general windscreen reapir or replacement doesn't count against your NCB.

 

[PoliceMadAd]

So are you saying it's NOT a claim through insurance?

 

[Vapin' Joe]

It is a claim through the insurance, but it doesn't effect your NCB. I've made two claims for replacement screens in the last decade and one for a chip repair. The replacements cost me the £70 excess and the chip repair was free (all through Autoglass who deal with your insurance co for you) but my premiums weren't effected.

 

[PoliceMadAd]

Ok thanks

 

[Black knight]

If you hire regulaly or even a few times a year it's worth buying a additional policy.

Came accross a company last year which covers the excess on hire cars. In fact it covers substantially more and is considerably cheaper than the cover the hirer will sell you.

I paid about £50 for the year

https://www.questor-insurance.co.uk/

Policy details

https://www.questor-insurance.co.uk/questor-insurance-car-hire/guide-to-car-hire-insurance.pdf

 

[AllOverTown]

If you hire regulaly or even a few times a year it's worth buying a additional policy.

Came accross a company last year which covers the excess on hire cars. In fact it covers substantially more and is considerably cheaper than the cover the hirer will sell you.

I paid about £50 for the year

https://www.questor-insurance.co.uk/

Policy details

https://www.questor-...e-insurance.pdf

You can actually get them even cheaper, here:
https://www.icarhireinsurance.com/