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post #1 of 11 (permalink) Old 25-03-2016, 21:56 Thread Starter
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Stone chip

Who do we call contact for a stonechip repair. Do we need to contact our insurer or ring a repairer direct.

Last edited by samsung; 25-03-2016 at 22:06. Reason: Spelling
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post #2 of 11 (permalink) Old 25-03-2016, 22:29
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Insurance - for a stone-chip?

You gotta be joking - unless it was a boulder that hit you!

Get it sorted locally!
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post #3 of 11 (permalink) Old 25-03-2016, 22:39 Thread Starter
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Stonechips don't carry any excess. The thinking is if it is repaired pronto then it should not need a full windscreen. Is it not better to get it done for nothing through the insurance than paying for a local repair. There is also the possibility that if a local repair went faulty then the insurance may not cover the cost of a new screen.
I'll go down the correct route as stated in the motor home facts insurance booklet.
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post #4 of 11 (permalink) Old 25-03-2016, 23:08
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If you check your insurance booklet you will see that for a windscreen chip that can be repaired you contact the windscreen company and tell them who the insurance is with and they then come out to you and check that they can repair. This may cost you £10 or free.They deal with the insurance company direct.
The same goes for a new screen, but you may have an excess that you pay the screen company.

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Don't be silly all the time ask your question.
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post #5 of 11 (permalink) Old 25-03-2016, 23:30
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Ah, windscreen not bodywork then.
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Paul - was a 2008 Swift Kontiki 669 but now a 2016 caravan.
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post #6 of 11 (permalink) Old 25-03-2016, 23:47
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I have a £50 excess for stone chip repairs on one of my motor policies as I found out a month before the same windscreen got hit again in a different place and had to be replaced at a £60 excess!

It should also be noted that whilst a windscreen claim doesn't affect your no-claims it can affect the renewal premium. Mine went up quite a bit after the two claims even though the no claims discount stayed the same. I switched insurer but many of them specify that you need to declare windscreen claims in the previous claims section.

In conclusion I would probably pay myself to get a chip repaired and have done in the past. On the most recent occasion when the chip was repaired I had thought it was going to be a replacement screen so that is why I contacted the insurers.

Peter
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post #7 of 11 (permalink) Old 26-03-2016, 07:34
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Quote:
Originally Posted by cabby View Post
If you check your insurance booklet you will see that for a windscreen chip that can be repaired you contact the windscreen company and tell them who the insurance is with and they then come out to you and check that they can repair. This may cost you £10 or free.They deal with the insurance company direct.
The same goes for a new screen, but you may have an excess that you pay the screen company.

cabby
We got one last week, bang, crack £75 gone.
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post #8 of 11 (permalink) Old 26-03-2016, 13:23
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I too fell for the bodywork stone chip scenario!

Hence my incredulity at contacting the insurers.
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post #9 of 11 (permalink) Old 27-03-2016, 19:49
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Quote:
Originally Posted by pippin View Post
I too fell for the bodywork stone chip scenario!

Hence my incredulity at contacting the insurers.
n


Me too!! Unclear initial post.

Out of interest most repair companies charge in the region of £60-70 for a screen repair!!!

I had a repair done on my car back in August, two days later BANG another stone and a bloody great crack !!! My screen excess is £60, I asked the guy who came to replace my screen what the actual cost was and he said in the region of £600

My car has all the whizzy bits such as auto lights, auto dipping, auto wipers and lane departure all of which are mounted actually on the inside of the screen so it's an uncommon (special order only) and therefore expensive bit of kit!

Andy

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It's who you share the journey with (even if like me, it’s in a caravan!)
I am very fortunate to have Mrs Plodd to share mine with
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post #10 of 11 (permalink) Old 29-03-2016, 21:17 Thread Starter
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Thanks guys. Sorry for the unclear post. I would do minor bodywork repairs myself or use a local garage. My concern with the windscreen stonechip was the close proximity to the edge of the windscreen. Having phoned motor home facts insurance they put me straight through to auto glass who are coming to my home on Saturday morning. I had to take and forward a photo of the chip with a 2 pound coin sellotaped to the screen next to it and also a photo of the full screen. They said if they don't contact me within 2 hours then the chip is suitable for repair. Apparently the maximum size is a 2 pound coin. My chip is 2 inches from the screen edge and the minimum is one and three quarter inches so I should be ok. Motorhome facts insurance said there is no cost to me but Auto glass would need to see the insurance. It makes sense for the insurance company to cover the cost of a repair as it's a lot cheaper than a full screen. I always test the waters at insurance renewal time and if my policy is increased because of this then in future why bother with a repair, just leave it as long as it doesn't affect the mot and get a new screen if the chip gets worse.
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