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  #1  
Old 16-10-2010, 09:35 PM
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Default Insurance excess

Having never claimed before, where my policy says I have a £75.00 Windscreen excess, does that mean I pay the first £75, or Im covered for the first £75 ??

Bloody lorrys that carry the stuff away from tips/dumps...All should have a cover on them!!
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  #2  
Old 16-10-2010, 09:39 PM
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it means that when you claim, you pay 75 quid. thats it, the rest is covered by the insurance company.
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  #3  
Old 17-10-2010, 12:49 AM
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Yep, what mikey said.

Know how you feel mate, my scoob is on at least its 4th windscreen!
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Old 17-10-2010, 09:49 PM
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Shiney new windscreen coming tomorrow, and their fitting it at work.

Just need a new sunstrip now though...
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Old 18-10-2010, 07:06 PM
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Make sure they change the trim mate, looks so much better with a new one. New screen may make some creaking noises for a day or so, quite normal when changing a subaru screen. Who,s doing it?
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  #6  
Old 18-10-2010, 07:14 PM
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just out of intrest,does any one know how much a new windscreen is plus fitting .They wouldn't add it to my insurance as mines an import(like that makes a differance)
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  #7  
Old 18-10-2010, 08:49 PM
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Well....

To say Im not happy is the understatement of the year.

Found out today, that yes, I may have a just £75 excess....but the Insurance will then only pay for £150.00.

So my bloody windscreen cost me £389.99

Grrrrrr
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Old 18-10-2010, 09:27 PM
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sheysh! i had no idea it cost so much..
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  #9  
Old 18-10-2010, 09:39 PM
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Quote:
Originally Posted by Mortster View Post
Well....

To say Im not happy is the understatement of the year.

Found out today, that yes, I may have a just £75 excess....but the Insurance will then only pay for £150.00.

So my bloody windscreen cost me £389.99

Grrrrrr
£150.00 was that on your insurance quote? I gather you car is an import and that is why it cost so much? think I will be on the phone to A-plan to check if they have a maximum amount on windscreen cover!
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Old 18-10-2010, 09:43 PM
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Did you use the insurers approved repairer?
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Old 18-10-2010, 10:16 PM
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Quote:
Originally Posted by MIDLIFE View Post
£150.00 was that on your insurance quote? I gather you car is an import and that is why it cost so much? think I will be on the phone to A-plan to check if they have a maximum amount on windscreen cover!
Its not a import, just a standard UK WRX. But I would check, Ive looked through all my paperwork, and cant find anything that says its capped.


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Did you use the insurers approved repairer?
I just rang Autoglass on the National number, thats All Ive ever done with the chips before, but this time, it was pretty much a brick that came flying at me. I did call today, and Ive been advised to talk to Summit direct.
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Old 18-10-2010, 10:44 PM
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cheeky gits, i had to have a new windscreen on the mr2 a few years ago, 50 quid is all i paid, the windscreen cost 780!!!!!!
thats a bit of a p*ss take on the part of the insurance company, especially if they say nothing in the t&c's about it being capped.
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  #13  
Old 19-10-2010, 09:59 AM
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For replacement screens (and chips aswell really) it is essential that you use the insurers approved windscreen company unfortunately.

That said i am amazed that Autoglass fitted the screen without speaking to your insurers. They should have checked before fitting the screen IMO
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Old 19-10-2010, 10:00 AM
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Quote:
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especially if they say nothing in the t&c's about it being capped.
It will be in the T&C's
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  #15  
Old 19-10-2010, 10:09 AM
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When mine went in the winter last year, I used Autoglass for mine. They weren't forthcoming with information about anything. In fact it was speaking with Gary that saved me a **** load of money.

Autoglass IMHO will always quote you top dollar, it's up to you to provide paperwork to the contrary. Even though they are supposed to do it differently.
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Old 19-10-2010, 10:15 AM
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Quote:
Originally Posted by worzel View Post
When mine went in the winter last year, I used Autoglass for mine. They weren't forthcoming with information about anything. In fact it was speaking with Gary that saved me a **** load of money.

Autoglass IMHO will always quote you top dollar, it's up to you to provide paperwork to the contrary. Even though they are supposed to do it differently.
Don't get me started about Autoglass..... i'll be ranting for hours!!!!!
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  #17  
Old 19-10-2010, 06:53 PM
Mr Windscreen Mr Windscreen is offline
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Do tell.............
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  #18  
Old 19-10-2010, 08:38 PM
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Do tell.............
Couple of bad experiences myself, and a few disagreements with their call center.
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  #19  
Old 19-10-2010, 09:15 PM
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Quote:
Originally Posted by Moley_WRX View Post
For replacement screens (and chips aswell really) it is essential that you use the insurers approved windscreen company unfortunately.

That said i am amazed that Autoglass fitted the screen without speaking to your insurers. They should have checked before fitting the screen IMO
They did contact the insurers to check and confirm the cover, Monday morning, it was the insurance people that told Autoglass that I have a cap.


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Originally Posted by Moley_WRX View Post
It will be in the T&C's
All I have is the first few leters, then a one explaining the cover type, with excess listed, then the actual insurance note. No where on any them mention anything about a cap.
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  #20  
Old 19-10-2010, 09:23 PM
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Quote:
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They did contact the insurers to check and confirm the cover, Monday morning, it was the insurance people that told Autoglass that I have a cap.
Why did they carry on fitting it if they knew there was a cap?
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  #21  
Old 19-10-2010, 09:28 PM
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By the time I'd made it to work, what with the frost Monday morning, the crack had extended the length of the screen.

So I said just do it, didnt fancy driver all that way home, at night, with a screen at risk of comming into the car.
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  #22  
Old 19-10-2010, 09:30 PM
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I know it's of little use now, but always ring your insurance company to get a windscreen done, as otherwise these things can happen.
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  #23  
Old 20-10-2010, 06:45 PM
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Quote:
Originally Posted by Mortster View Post
By the time I'd made it to work, what with the frost Monday morning, the crack had extended the length of the screen.

So I said just do it, didnt fancy driver all that way home, at night, with a screen at risk of comming into the car.

The screen would not of come into your car mate, they are made to crack and thats it, even if the crack go,s edge to edge or top to bottom the screen would never come in the car.
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  #24  
Old 21-10-2010, 12:08 PM
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Quote:
Originally Posted by Moley_WRX View Post
Couple of bad experiences myself, and a few disagreements with their call center.
That said.... i have just spoken to them to get a chip in my windscreen sorted, and the guy there was ultra helpful and friendly, couldn't fault him at all, so hopefully things have changed.
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