Understanding the Impact of Windshield Insurance Claims on NCB

Car insurance policies protect your car and savings in times of accidents and other emergencies. However, when you don’t make any claims on your car insurance during a policy year, your insurer rewards you with a discount called a No Claim Bonus (NCB).

It is a great way to save money on your insurance premiums. But the real question is, ‘Can replacing or fixing your windshield affect your NCB?”

Let’s dig deeper and assess whether a windshield insurance claim can impact your No Claim Bonus.

What is a No Claim Bonus (NCB) Discount?

The No Claim Bonus (NCB) is a reward from your insurer for not making any claims on your car insurance during the policy year. It is a discount on your renewal premium, reducing your final premium payout. The longer you go without making a claim, the bigger your discount.

For example, you could get a 20% discount after the first claim-free year, which might increase to 50% or more after the fifth consecutive year. This can lead to significant savings on your insurance, making it worth keeping your claims to a minimum.

Does Windshield Claim Affect NCB?

In most cases, a windshield claim will not impact your NCB. Windshield insurance partners or companies usually do not count windshield-only claims against your NCB. This is because they want drivers to get cracks or chips fixed quickly, since damaged windshields can be a safety risk.

But there are a few exceptions you should know:

• If you make multiple glass claims, some insurers might count that against your NCB.
• If the claim amount is high, it could impact your bonus.
• If your windshield damage is part of a larger claim (like an accident), your NCB might be affected.

It really depends on your insurer and the kind of claim you are making.

When Should You Use Insurance for Windshield Damage?

Using insurance for windshield damage depends on the situation. If the damage is major, like a completely shattered windshield, or if the replacement cost is very high, using your insurance makes sense. This is especially true if you want original (OEM) parts, which can be more expensive.

But if the damage is small, a minor crack or chip, paying out of pocket might be smarter. The repair could cost less than your deductible, and by not making a claim, you can keep your No Claim Bonus (NCB) intact.

Before deciding, always check the cost of your repair and your insurance deductible. If the repair cost is close to or lower than the deductible, claiming might not be worth it. A little planning now can save you more on your future premiums.

How to Preserve NCB While Handling Windshield Damage?

If your windshield is damaged, it is best to take a smart approach to avoid losing your No Claim Bonus (NCB).

• First, get quotes from professionals before deciding to file a claim. Sometimes, paying for small repairs out of pocket is more economical in the long run.
• Also, check with your insurer; some claims may not affect your NCB, and you might even have an NCB protection add-on.

At AIS Windshield Experts, we follow a “Windshield Repair First” policy. If the crack is not too serious, our skilled team will fix it, saving the effort and cost of a complete car windshield replacement. Trained in global safety and repair standards, our experts ensure your car gets the best care, without unnecessary expenses.

Conclusion

Before claiming insurance for windshield damage, it is important to weigh the pros and cons. A quick claim might save money now, but could affect your No Claim Bonus (NCB) later. This is why expert help matters.

AIS Windshield Experts is a trusted name in auto glass care. It is known for honest advice, affordable solutions, and clear pricing. With over 100 service centres across 60+ cities and a fleet of mobile vans, our trained team helps you with the right windshield repair support any time, anywhere!