Insurance......

[hau kola]

My daughter passed her test last week and insured her car fully comp. She has a chip in her windscreen which she can get fixed for free but will it affect her no claims?

[sherrardk]

That's what it says on the adverts for getting your windscreen chips fixed - can't she ring up her insurers and check?

[Milvus]

Most insurance companies allow chips to be repaired under the policy with no effect on your No Claims

[annie0000]

i am sure that the radio advert says that it doesn't for MOST insurers - might be worth checking it out with them before hand. She doesn't want to start off with a claim to her name. Well done to her btw - does that mean that she can start ferrying you about to the pub etc?

[sara3]

hey :o)

when I renewed my insurance they asked if I'd made any claims. I said no, and they said "you had a new windscreen 4 years ago!" I don't even remember, but I guess it counted for something with Axa.

[hau kola]

Thanks both...it was too late to phone tonight and she was eager to know.

[sara3]

maybe repaired is free, replaced is a claim?

[hau kola]

Hi Annie and Sara.....she already had ferried me to the pub..lol
Yeah, fixed has to be different to replaced.

[sara3]

can I ask who she insured with, and was it extortionate?

[hau kola]

She's with Bell and it was £1400.
Not too bad for fully comp.

[sara3]

okay, that's much better than some of the quotes I've seen!

good luck to her :o)

[hau kola]

Thanks Sara.x

[hau kola]

Thats the price is paid in full...its more if you pay monthly.

[annie0000]

I've sen some for £2.5k plus. Think it is going to be extortionate by the time the boys are old enough to drive and I'll have 2 of them at much the same time. Boys are bound to be more expensive than girls too.

[hau kola]

Its the same price for both now Annie.

[annie0000]

I know they had all that new legislation regarding sexual discrimination, but I thought they would probably get round it in other ways. :o)

[R1Geezer]

Assuming it is covered, most are but it must say so. The repair is usually free replacement will carry an excess of £50-£75. This will not effect NCB, it is not actually motor insurance at all it's basically a small separate policy lumped in with the main policy for convenience and of course profit.

[hau kola]

Cheers Geezer.

[SpikeyBush]

When insured in the UK I had to pay a £50 excess if it needed replacement. But in Ireland I have no excess and have had a windscreen replaced now 4 times with no excess and no loss of NCD