Do windscreen / windshield claims impact my car insurance rates?
Do windscreen / windshield claims impact my car insurance rates?
Depending on your insurance company, this may upset a delicate balance of claims loss. Most insurance companies use rating factors in their algorithms, such as age, postcode, and previous losses. Some insurance companies claim that people who turn in multiple windshield glass repair claims have an overall higher loss rate and cost them more money in future claims. Furthermore, your insurance rate depends, in part, on how many claims you have over a certain period of time. For instance, if you file a theft claim, and then have a rock chip claim the next week, your policy may be flagged for filing too many insurance claims in a short period of time, leading to a rate increase.
So, the question is: Can a rock chip claim impact my insurance rates? Short answer is yes, it is possible.
How much does it cost to replace a windshield without insurance? Typical windshield replacement costs range from £100 – £600, including the cost of labour. For collectible and luxury cars, the price tag can be a little heftier up to £1,500. Factors like your car’s make, year and model, type and location of the damage and the type and brand of glass help determine the cost of a windshield repair.
When you see a chip, you may be able to avoid a windshield glass repair claim if you act quickly.
Remember the rule of thumb is as follows:
A windscreen / windshield chip less than 3mm (smaller than a matchstick head) does not usually need to be repaired.
A windscreen / windshield chip less than 25mm (smaller than a £2 coin) is repairable.
A windscreen / windshield chip over 25mm is usually non-repairable.
Call Us Today
We offer repairs that are fast and convenient. If your windscreen / windshield has a chip we’re here to help. We cover the whole of the midlands – Birmingham, Nottingham, Derby, Leicester, Stoke on Trent, Sheffield, Solihull, Coventry, Mansfield, Chesterfield, Lichfield, Cannock, Wolverhampton, Walsall, Redditch, Newark on Trent, Uttoxeter, Stafford, Burton Upon Trent, Dudley, Nuneaton, Melton Mowbray, Bromsgrove.
For a repair that you know will be done right, call Centre Glass today. Call or WhatsApp on 07923 449354 email centreglass@mail.com visit www.centreglass.org