Windscreen Chipped. Should I Go with Insurance Claim or Live with It?

Sam J on 07/09/2020 - 11:36

My car was parked next to a high rise and an empty laundry basket came flying on my windscreen. It has made couple of small dots on the windscreen and a scratch on the bonnet. I immediately looked up but couldn't find anyone on the balconies. There was a CCTV in front which would have captured the hit to the car but it wasn't facing up, so can't find out which apartment it came from. Do you think it would be covered on strata insurance, even if the culprit can't be found?

I have Comprehensive insurance with Bingle with optional Windscreen and Window Glass cover added. I would like to know how the windscreen claim work? If I proceed with the claim, would there be an excess? Will it increase my insurance premium for next year?

Automotive

Comments

  • Drakesy on 07/09/2020 - 11:45
    +1

    Some have free windscreen replacement included in their policies that doesn't effect the premium, i think just read the policy info.

    Else get it replaced without chasing insurance, from memory chip fixes are ~$90-100 and $250-$350 for a new windscreen if required.

    • Belistic on 07/09/2020 - 13:25

      Depending on the windscreen…. If the car has rain wiper sensors etc, it's around $800-$1200. Been there, done that, claimed insurance.. lol

      • nubzy on 07/09/2020 - 14:23

        Yes if you have rain sensors and adaptive cruise etc then best to stick with genuine OEM, which are expensive.

      • Sam J on 07/09/2020 - 19:43

        Thanks mate. My one does have sensors.

  • 87percent on 07/09/2020 - 11:47

    You can get the chip filled in some cases, have you checked?

  • boomramada on 07/09/2020 - 11:49
    +2

    with optional Windscreen

    Claim it?

  • nubzy on 07/09/2020 - 11:54
    +2

    You get one excess free glass claim a year if you tick that option, so claim it

  • bobbified on 07/09/2020 - 12:05
    +3

    I would like to know how the windscreen claim work? If I proceed with the claim, would there be an excess? Will it increase my insurance premium for next year?

    These are the sorts of questions that should be directed to your insurer, Bingle. They will give you more definitive answers. That is what you pay them for.

  • Seraphin7 on 07/09/2020 - 12:07
    +3

    Do you think it would be covered on strata insurance, even if the culprit can't be found?

    There's no way a strata building in their right mind is going to pick that up. For starters, it's not the strata's responsibility in any event, it's the responsibility of the specific resident. Also, I'm assuming all you know for sure is that a "flying laundry basket" hit your car, but you have no evidence of where the basket came from. At the very least, you would need to establish this point, but ultimately the first point will override.

  • Euphemistic on 07/09/2020 - 12:11
    +1

    You have paid extra for windscreen protection, you should probably use it.

    Will it increase your premium? Quite possibly, but there will be an inflation/normal increase anyway and it probably won’t be a large increase either.

  • pinchies on 07/09/2020 - 12:33
    +3

    I don't think there is much point going to strata… it's a basket case for sure.

    I have Comprehensive insurance with Bingle with optional Windscreen and Window Glass cover added. I would like to know how the windscreen claim work?

    I'll call up Bingle and ask them for you. Just wait, I'll get back to you soon.

    • Euphemistic on 07/09/2020 - 16:04
      +1

      Still on hold?

      • pinchies on 07/09/2020 - 16:09
        +1

        Look, calling up companies is not as easy as it sounds… it really takes time to do it properly. Maybe I should start an ozbargain thread to help me?

  • Headless on 07/09/2020 - 12:39

    The dots can be fixed without replacing the windscreen - it looks like hot glue goes in under pressure (looks like, check youtube).

    If its a dot its ok, if its a crack it will only get worse

  • pjetson on 07/09/2020 - 13:29
    +1

    a scratch on the bonnet

    I wondered what you meant until I realised that you weren't using the OZBargain Approved(TM) spelling of "bonut".

  • doctordv8 on 08/09/2020 - 22:52

    You will achieve best results with all your questions, first and foremost directly from your insurance co.

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