Insurance claim for broken windshield

anky · 28th September 2011, 20:35

The m800 windscreen is an exact match to the original .I checked the markings and the are standard for all windshields . The glass was Asahi Lamisafe with a green tint and had the exact same markings as my older windshield . W.E. Mahim Mumbai .

null · 2nd October 2011, 04:53

My wagonr(old model)'s rear windshield has been smashed by somebody with a stone.

Are Windshield Experts available on Sunday morning (Bangalore) for fixing it? Also, any feedback on what should be checked after the fixing?

anky · 2nd October 2011, 23:57

To my best knowledge windshield experts at least in mahim mumbai work mon to sat .

mjothi · 3rd October 2011, 00:32

Quote:

Originally Posted by null

Are Windshield Experts available on Sunday morning (Bangalore) for fixing it? Also, any feedback on what should be checked after the fixing?

Mainly water leakage - Check it without fail to avoid surprises later.

Good luck.

forbhaskarm · 3rd February 2012, 18:48

Bumping the thread with my query & seeking help from all experts here --

There is a huge crack, about 6" x 6" on the driver side of 2005 Scorpio windscreen. I contacted WE & the Service Station. The cost quoted by the two is Rs. 7200 & Rs. 8000 resp.

I am in a dilemma to claim insurance or not as -

1. I have never claimed insurance on my 6 years ownership of Scorpio, which means that my NCB is at all time high @ 50%.
2. Insurance renewal is due in March
3. I plan to sell the car sometime later this year, & wish to transfer the insurance to the new car, thereby transferring the NCB, if available.

Please suggest what the best route.

SirAlec · 6th February 2012, 20:47

Quote:

Originally Posted by forbhaskarm

...I plan to sell the car sometime later this year, & wish to transfer the insurance to the new car, thereby transferring the NCB, if available.

Please suggest what the best route.

You can follow a dedicated thread created by an Auto Insurance Expert member in the forum.

http://www.team-bhp.com/forum/indian...sk-me-106.html

GranvilleDsouza · 12th June 2016, 16:25

Hi All,

Need serious advice on the following.
There was some residue on my windshield and so, was trying my best to remove it with colin glass cleaner. It was not coming out and that patch always caused a problem.

Tried my best with other cleaning material to no use. Finally, took an old scotch brite and tried rubbing it gently. As a result, the patch is become whitish and now is even worse.

I have a 50% NCB on my insurance (Have not claimed insurance in the last 7 years, once 7 years ago when my mom hit the rear bumper)
The plan is to sell the Swift Dzire Zxi 2008 this year and buy the S-Cross 1.6 Alpha.
Also, would need to probably change the compressor since there seems to be some noise and that maybe have to be done before giving the car away.

I earlier wanted to transfer my NCB to the new car. Need to know, what is the best option? Claim the insurance? Pay for the windshield myself?
What would make most sense? As of now, I'm thinking to claim it under insurance. Please advice, many thanks!

sgiitk · 12th June 2016, 16:29

By and large the windshield is not worth the loss of NCB! So check carefully.

sdp1975 · 12th June 2016, 16:38

I don't think insurance will cover this. This was a patch made worse by rubbing, there's no accident involved here. Even if covered by insurance, I think it will be cheaper to pay for it yourself and transfer the NCB to the new car.

Try to find out if this can be repaired instead of a full replacement, although looking at those scratches repair looks unlikely.

for_cars1 · 12th June 2016, 16:44

Quote:

Originally Posted by GranvilleDsouza

....
The plan is to sell the Swift Dzire Zxi 2008 this year and buy the S-Cross 1.6 Alpha.

I earlier wanted to transfer my NCB to the new car. Need to know, what is the best option? Claim the insurance? Pay for the windshield myself?

I had a similar situation in an earlier car with 50% NCB and I had opted to pay for the windshield myself.

The calculations are a no-brainer. Assuming that the OEM windshield replacement is going to cost you about 8 to 10 K max (would cost lesser with third party vendors). You're going to straight away getting this money back via the NCB transfer to your new car.

Based on your past record of being able to gather and maintain 50% NCB (the max allowed), it is more probable that you would be able to continue to retain the same on your newer car and chances of saving about 8 to 10K per year on premium payment (with 50% NCB) always exists.
Unless the repairs are going to be greater than 15K (for a typical C2 segment car), you stand to lose more via the insurance route (if you have an NCB of 50%)

PS: Are you pretty sure that those scratches can't be removed/minimized by a professional? Its worth checking with windshield experts or other vendors. You might be able to avoid going for replacement altogether.

GranvilleDsouza · 12th June 2016, 16:58

Quote:

Originally Posted by for_cars1

PS: Are you pretty sure that those scratches can't be removed/minimized by a professional? Its worth checking with windshield experts or other vendors. You might be able to avoid going for replacement altogether.

Not too sure, have not checked, this happened a few hours ago itself.
I also have to get the AC compressor et al replaced, wondering what would be the best route. MASS says they will "do the needful" and claim under insurance

Tanveer_2558 · 12th June 2016, 17:20

There is no point loosing 50% of NCB over a windshield, Specially when we can't be sure if the insurance company will approve the claim since it has not happened by an accident, Simply save time and money (By saving NCB) and get it changed by paying up front, Thats my advice.

dhanushs · 12th June 2016, 18:57

You should've gone to windshield experts in the first place. However, you can still try that option. If they can't work on it, replace it without claiming insurance.

Even though insurance gives 100% value of the glass and you will only have to pay for the sealants and claim charges, I think paying from hand will work out cheaper. Get quotes from the company and do the math yourself.

Akib Khan · 12th June 2016, 19:07

First thing you should do it visit a professional and see if they can restore the windshield to near original condition or not. If it is not possible for them to rectify the scratches then you should get the glass replaced from MASS with cash. Even i had my cracked windshield of Hyundai i20 changed at A.S.S. The service advisor tried his best to persuade me for a insurance claim but i denied and paid approx 6500/-

samaspire · 12th June 2016, 19:08

Calculate the costs and then decide.

1. Get an estimate for replacing the glass and compressor from MASS. Also ask them the amount that you will have to bear.

2. Get the cost of insurance for the new S-cross from the latest price list. Calculate how much you would save if you had 50% NCB.

Now whichever saves you more money, go that route.

You might have to factor in Free Insurance offers, if any, on the new car. Also 50% NCB will continue to benefit you during every renewal (if I'm not mistaken).

28th September 2011, 20:35	#31
anky BHPian Join Date: Apr 2006 Location: Mumbai Posts: 402 Thanked: 115 Times	Re: Insurance claim for broken windshield The m800 windscreen is an exact match to the original .I checked the markings and the are standard for all windshields . The glass was Asahi Lamisafe with a green tint and had the exact same markings as my older windshield . W.E. Mahim Mumbai .
	() Thanks

2nd October 2011, 04:53	#32
null BHPian Join Date: Aug 2007 Location: Paradise (wish it was) Posts: 434 Thanked: 333 Times	Re: Insurance claim for broken windshield My wagonr(old model)'s rear windshield has been smashed by somebody with a stone. Are Windshield Experts available on Sunday morning (Bangalore) for fixing it? Also, any feedback on what should be checked after the fixing?
	() Thanks

2nd October 2011, 23:57	#33
anky BHPian Join Date: Apr 2006 Location: Mumbai Posts: 402 Thanked: 115 Times	Re: Insurance claim for broken windshield To my best knowledge windshield experts at least in mahim mumbai work mon to sat .
	() Thanks

3rd February 2012, 18:48	#35
forbhaskarm BHPian Join Date: Dec 2007 Location: Greater Noida Posts: 218 Thanked: 44 Times	Re: Insurance claim for broken windshield Bumping the thread with my query & seeking help from all experts here -- There is a huge crack, about 6" x 6" on the driver side of 2005 Scorpio windscreen. I contacted WE & the Service Station. The cost quoted by the two is Rs. 7200 & Rs. 8000 resp. I am in a dilemma to claim insurance or not as - 1. I have never claimed insurance on my 6 years ownership of Scorpio, which means that my NCB is at all time high @ 50%. 2. Insurance renewal is due in March 3. I plan to sell the car sometime later this year, & wish to transfer the insurance to the new car, thereby transferring the NCB, if available. Please suggest what the best route.
	() Thanks

12th June 2016, 16:25	#37
GranvilleDsouza BHPian Join Date: Apr 2016 Location: Mumbai Posts: 138 Thanked: 312 Times View My Garage	Change the windshield? Insurance or Payment Upfront? Hi All, Need serious advice on the following. There was some residue on my windshield and so, was trying my best to remove it with colin glass cleaner. It was not coming out and that patch always caused a problem. Tried my best with other cleaning material to no use. Finally, took an old scotch brite and tried rubbing it gently. As a result, the patch is become whitish and now is even worse. I have a 50% NCB on my insurance (Have not claimed insurance in the last 7 years, once 7 years ago when my mom hit the rear bumper) The plan is to sell the Swift Dzire Zxi 2008 this year and buy the S-Cross 1.6 Alpha. Also, would need to probably change the compressor since there seems to be some noise and that maybe have to be done before giving the car away. I earlier wanted to transfer my NCB to the new car. Need to know, what is the best option? Claim the insurance? Pay for the windshield myself? What would make most sense? As of now, I'm thinking to claim it under insurance. Please advice, many thanks! Attached Thumbnails Last edited by GranvilleDsouza : 12th June 2016 at 16:50. Reason: added another point of compressor to be changed
	() Thanks

12th June 2016, 16:29	#38
sgiitk BANNED Join Date: Dec 2007 Location: Gurugram Posts: 7,969 Thanked: 4,788 Times	Re: Change the windshield? Insurance or Payment Upfront? By and large the windshield is not worth the loss of NCB! So check carefully.
	() Thanks

12th June 2016, 16:38	#39
sdp1975 Senior - BHPian Join Date: Aug 2009 Location: Bangalore Posts: 1,700 Thanked: 1,273 Times View My Garage	Re: Change the windshield? Insurance or Payment Upfront? I don't think insurance will cover this. This was a patch made worse by rubbing, there's no accident involved here. Even if covered by insurance, I think it will be cheaper to pay for it yourself and transfer the NCB to the new car. Try to find out if this can be repaired instead of a full replacement, although looking at those scratches repair looks unlikely.
	() Thanks

12th June 2016, 17:20	#42
Tanveer_2558 Senior - BHPian Join Date: Apr 2015 Location: Mumbai Posts: 1,701 Thanked: 3,375 Times View My Garage	Re: Change the windshield? Insurance or Payment Upfront? There is no point loosing 50% of NCB over a windshield, Specially when we can't be sure if the insurance company will approve the claim since it has not happened by an accident, Simply save time and money (By saving NCB) and get it changed by paying up front, Thats my advice.
	() Thanks

12th June 2016, 18:57	#43
dhanushs Distinguished - BHPian Join Date: Oct 2009 Location: Chennai Posts: 4,282 Thanked: 10,178 Times	Re: Change the windshield? Insurance or Payment Upfront? You should've gone to windshield experts in the first place. However, you can still try that option. If they can't work on it, replace it without claiming insurance. Even though insurance gives 100% value of the glass and you will only have to pay for the sealants and claim charges, I think paying from hand will work out cheaper. Get quotes from the company and do the math yourself.
	() Thanks

12th June 2016, 19:07	#44
Akib Khan BHPian Join Date: Jan 2016 Location: Mumbai. Posts: 213 Thanked: 388 Times	Re: Change the windshield? Insurance or Payment Upfront? First thing you should do it visit a professional and see if they can restore the windshield to near original condition or not. If it is not possible for them to rectify the scratches then you should get the glass replaced from MASS with cash. Even i had my cracked windshield of Hyundai i20 changed at A.S.S. The service advisor tried his best to persuade me for a insurance claim but i denied and paid approx 6500/-
	() Thanks

12th June 2016, 19:08	#45
samaspire Senior - BHPian Join Date: Sep 2015 Location: Manipal / Udupi Posts: 1,629 Thanked: 4,859 Times	Re: Change the windshield? Insurance or Payment Upfront? Calculate the costs and then decide. 1. Get an estimate for replacing the glass and compressor from MASS. Also ask them the amount that you will have to bear. 2. Get the cost of insurance for the new S-cross from the latest price list. Calculate how much you would save if you had 50% NCB. Now whichever saves you more money, go that route. You might have to factor in Free Insurance offers, if any, on the new car. Also 50% NCB will continue to benefit you during every renewal (if I'm not mistaken).
	() Thanks