You have a star in the windscreen of your car and you are insured under WA Limited Casco or WA Casco. With that you have also covered window damage. But what are the consequences of window damage for the no-claim?
It is of course a thing, a star or worse: a crack in the window. What do you do with that? You can often still have a star repaired for free, it is covered by your insurance if you have a limited liability hull. But the question is whether the window damage has consequences for the no-claim. What’s up with that?
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Repair star in the window
It’s easiest if you see a star in your window. It is useful to have it repaired as soon as possible. A star can get bigger, especially when the weather is cold. Due to, among other things, temperature differences when using the heating, the asterisk can develop into a crack. Repair of a star in the window is usually doable if it is no larger than a two-euro coin. The window specialist can arrange this quickly and you can make an appointment online or by phone. And it costs you nothing if you have a WA Limited Casco or WA Casco insurance. You also do not fall back in no-claim with this window damage.
So you actually only lose time with it and that is often manageable. You simply make an appointment with a car window specialist nearby. It can be useful to ask your insurer whether they have agreements with a company. Because sometimes you have to pay a deductible if you have it done at a different company than what the insurer designates.
Replace window
If the damage to the window is greater than an asterisk, the window will soon have to be replaced. That too falls under the cover of a Limited Casco WA or Casco WA Casco insurance. And you can claim it, without it costing you extra premium via the bonus-malus ladder. That’s great because with all the coatings and equipment built into or against the window pane, a new window can still be quite expensive.
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Own risk with new window
However, you should pay particular attention to who you let do the repair. Ask your insurer whether there are glass repairers with whom agreements have been made. That can make a lot of difference. Depending on the requirements of your insurance, you may or may not have to pay a deductible. Your policy may include window replacement. Then you do not pay any deductible. But it is also possible that you have a deductible of 30, 50, 75 or 150 euros with a new window. That deductible can then increase if you have the window replaced by a company with which the insurer does not have a contract. And that’s sour!
– Thanks for information from Autoweek.nl