Three months after getting my cracked windscreen replaced via my insurance, today a car overtook me and kicked up a stone that has put a 6” crack in the bottom corner. 
 

Not sure if my insurers will pay out a second time during the same policy, or how it will affect my renewal premium?

Edited 19 September, 20214 yr by Dale_Stevens

13 hours ago, Dale_Stevens said:

Not sure if my insurers will pay out a second time during the same policy, or how it will affect my renewal premium?

I would imagine the only thing you'd pay for would be the excess again.

On 20/09/2021 at 08:41, Urrell said:

I would imagine the only thing you'd pay for would be the excess again.

 

This was the case. I booked a replacement screen via my insurers website and paid the excess, and the new screen was fitted a few days ago.

Now to see how much my premium has increased when it comes to renewal next month!!

On 30/09/2021 at 10:24, Dale_Stevens said:

Now to see how much my premium has increased when it comes to renewal next month!!

It should not affect that.

6 hours ago, Urrell said:

It should not affect that.

 

I hope you are correct.

On 30/09/2021 at 10:24, Dale_Stevens said:

Now to see how much my premium has increased when it comes to renewal next month!!

 

On 04/10/2021 at 17:07, Urrell said:

It should not affect that.

 

You appear to be correct, my renewal has just come through and its the same price as last year (unless the premium would have been cheaper had I not claimed for two windscreens, but I'll never know?)

On 11/06/2021 at 08:30, Urrell said:

As far as I am aware it's not attached to the windscreen but screwed to the A post.

You do indeed learn something every day!

 

I noticed that bracket when I had the A pillar trim off to run the wiring for reversing sensors (display in new rear view mirror) but had no idea what it was for - now I know.

 

Not that I'm likely to use it though as in nearly 4 years living in Spain I've yet to have to pay for parking anywhere!

 

Nearest I 've come is at Alicante airport where the access to departures drop off is free but limited to 10 minutes controlled by barriers for which you have to take a ticket to get out the other end. 

 

BTW here because yesterday I discovered a 2" crack in my screen directly under the rear view mirror fixing point  

Edited 10 October, 20214 yr by KiNeL

I have a cracked windscreen, a 6" star in front of the passenger which was caused by a criminal act for which my local constabulary have declined to take any further action despite statements from me and my passenger;

 

A clever individual threw coins through the open passenger window while I was doing 30mph in a filter lane, the coins hit me, rattled around the dash and caused the crack. Coming the other way at the time was a very large and loaded quarry truck which would have totally flattened us if I'd lost control.  

 

My question; this was not a stone off the road, it was a deliberate random act by someone who needs psychiatric assessment, how will the insurance company see a replacement request in these circumstances?

 

When discussing the incident with police I was put on my guard because they seemed more interested in how I was going to get a windscreen replacement rather than discussing what action they would take against the offender.  

 

 

 

Discussion it with your insurers will let you know their thinking on it.  The windscreen gets fixed you pay the excess and you can tell the Police how much your loss was.    Do you have a Crime report number, officers number etc.   Likely you are stuck with the £75 or whatever. 

Edited 10 October, 20214 yr by e-Roottoot

1 hour ago, e-Roottoot said:

Discussion it with your insurers will let you know their thinking on it.  The windscreen gets fixed you pay the excess and you can tell the Police how much your loss was.    Do you have a Crime report number, officers number etc.   Likely you are stuck with the £75 or whatever. 

 

To be honest I don't feel inclined to assist police any further, we gave them valid details of car and driver, and details of another witness and although a retired officer suggested the incident could amount to criminal damage with intent, the current policy is to only deal with cases that have supporting video footage. 

 

I will discuss with my insurers as you suggest. 

15 minutes ago, b1ackb1rd said:

 

To be honest I don't feel inclined to assist police any further, we gave them valid details of car and driver, and details of another witness and although a retired officer suggested the incident could amount to criminal damage with intent, the current policy is to only deal with cases that have supporting video footage. 

 

I will discuss with my insurers as you suggest. 

Not as easy to identify the offender as you might think. 

Did you get their reg number?

Are there independent witnesses that have the reg number?

Dashcam footage? 
Did the driver or passenger throw the coins?

 

Even with the reg number it only leads to the registered keeper who might not have been the driver, and if not, they don’t have to say who was driving or who the passenger was if they threw them. 
 

Regardless, you or your insurers will have to foot the bill for replacement windscreen. Doubtful any offender would be made to pay. Even if they admit the damage to police, they might just get a verbal caution, or if a court is involved you might get awarded compensation but this could be a trivial amount. But doesn’t change the fact a windscreen needs purchasing first. 
 

My excess for the two windscreens I’ve had this year was £115 each time. 

 

 

Edited 10 October, 20214 yr by Dale_Stevens

2 hours ago, b1ackb1rd said:

My question; this was not a stone off the road, it was a deliberate random act by someone who needs psychiatric assessment, how will the insurance company see a replacement request in these circumstances?

 

They will see it as and process it as just another windscreen claim, they will have no other interest, why do you think that they would?

 

They get to see all sorts of tall stories, most have zero bearing on whether the claim is valid or not, some make it into their secret hall of fame.

Edited 10 October, 20214 yr by J.R.

10 minutes ago, J.R. said:

They will see it as and process it as just another windscreen claim, they will have no other interest, why do you think that they would?

 

It was the police's veiled questioning touching on a possible false windscreen claim that bothered me.

That aspect was entirely driven by police ... and that bothered me. 

Given that the impact damage was on the inside I can see where they are coming from.

 

I don't think the insurers will give a four X but its been 40 years since I made a windscreen claim, for a side window that I in fact broke myself, I don't think that I had to make up any fairy tales simply make a claim.

 

I had in fact replaced it with perspex not wanting to make a claim but my insurance broker told me I was daft.

Coins thrown by a pedestrian or motorist? If the latter travelling in which direction?

 

Coins (plural) came through passenger window missing the passenger (I assume there was one was you said "we") hitting you  rebounded onto the dashboard and broke the windscreen.

 

The above is only from the details that you have given, it may be incorrect but if it is the info given to the Police I can understand their scepticism if you did not report any injury to yourself.

 

Had your insurers requested a Police report or crime number?

13 minutes ago, J.R. said:

Coins thrown by a pedestrian or motorist? If the latter travelling in which direction?

 

Coins (plural) came through passenger window missing the passenger (I assume there was one was you said "we") hitting you  rebounded onto the dashboard and broke the windscreen.

 

The above is only from the details that you have given, it may be incorrect but if it is the info given to the Police I can understand their scepticism if you did not report any injury to yourself.

 

Had your insurers requested a Police report or crime number?

The police might not have even recorded it as a crime if they don’t believe the circumstances presented to them. Even so, there would be an excess payment required to settle any insurance claim regardless of what happened. 

Edited 10 October, 20214 yr by Dale_Stevens

2 hours ago, J.R. said:

Coins thrown by a pedestrian or motorist? If the latter travelling in which direction?

 

Coins (plural) came through passenger window missing the passenger (I assume there was one was you said "we") hitting you  rebounded onto the dashboard and broke the windscreen.

 

The above is only from the details that you have given, it may be incorrect but if it is the info given to the Police I can understand their scepticism if you did not report any injury to yourself.

 

Had your insurers requested a Police report or crime number?

 

The 'full' story with the benefit of information from the witness .. the 'offender' was travelling in the same directions as me, directly behind my Yeti in a 40mph area. 

 

As I approached a right turn I joined a long filter lane and I was still doing 30ish, as I did so the offender drew level with my Yeti on the nearside and whilst matching my speed threw a handful of coins through the open front passenger window, my daughter was in the nearside rear passenger seat she saw him, described him and her story matches that of the witness. 

 

All windows were down as it was a hot day, my attention was on the approaching junction and my attention was not on vehicles passing on my nearside in their own dedicated lane so I didn't see the build up - as you can imagine it was quite a shock to suddenly have things flying around the inside of the car. 

 

The coins came through the front passenger window, some hit me, some hit the windscreen immediately and some are still down the back of the dashboard. 

 

My injury was to the side of my face/head but adrenaline was flowing and I wanted to speak with the driver so the injury wasn't an urgent issue.

 

This was no accident, traffic behind me witnessed what happened and stopped so I had an opportunity to rejoin the main road and to follow him, he knew I was behind him and that we had things to discuss, he drove away very fast (Audi A5, lowered, blacked out etc) and with my child on board there was no way I was going to match his antics so we pulled over an immediately called 999. Luckily? this happened in the village I live in and social media put me in touch with witnesses later that day.

 

I fail to see how the story 'falls down' because I'm not declaring a few cuts and a headache when the bigger concern of a grown 50 something adult thinking they can pick on a random motorist to perform  such a reckless act in moving traffic for no reason - not that any reason would warrant his actions in my opinion. 

 

The 999 operator, the police officer tasked with investigating, and none of my uniformed colleagues have ever heard of such an incident before and in total that is a good few hundred years of experience between them. 

 

I've not spoken to the insurers yet as the large star shaped crack is on passenger side and not immediately an MOT or safety issue. 

I would simply claim for an accident damaged windscreen under the terms of the policy giving as much info as they request but no more, try to seperate your emotions regarding the driver from the insurance claim as giving that sort of information is not likely to help you.

 

I assume that you have the registation number, it sounds like witnesses have contacted you via social media, when you know what your losses are you could ask them firmly one more time if they are going to do anything or if they would prefer you to research the driver yourself by the same social media that has given you your witnesses.

 

I never said the story falls down, did the Police?

 

Don't forget to deduct the value of the change from your losses!

Edited 10 October, 20214 yr by J.R.

It does hinge on having the reg number, and preferably video evidence. A reg number only leads to the registered keeper, who could say it wasn't me and all my mates have access to my car to use at anytime, so must have been one of them. There's no way to disprove that without video footage. The registered keeper only has to disclose who was driving for certain offences committed under the Road Traffic Act 1988. 

The vehicle is local. 

I think I should refund him, along with a blob of superglue on each coin to ensure they don't slide off the bodywork and get lost

When you get the new windscreen in, stick a dashcam to it.

Just now, logiclee said:

When you get the new windscreen in, stick a dashcam to it.

 

He's need one that faces sideways through the front passenger window.

Thats got to be annoying though, someone throwing coins at your car and causing damage.

I would hope if that happened to me that I didn't find where they lived and my dogs poop didn't find its way under the drivers door handle.

3 minutes ago, logiclee said:

When you get the new windscreen in, stick a dashcam to it.

 

Superglue all used up on the coins!

 

Someone vandalised my MK1 Octavia, they had parked blocking me in my driveway like everyone did at the time, this guy was unfortunate to have left his drivers window open at the top and I was fortunate to have a full watering can in my hand at the time - true! I could not resist the temptation

 

He worked at the Airbus factory opposite and a few days later he threw a cup (or some other recipient) of uncured resin over the front of my vehicle, it splashed almost every panel, bumper, bonnet, wing, door mirror, windscreen side window & door pillar etc, I got some off before it had fully cured but after that only acetone would touch it which was attacking my paint as well so I had to live with it. I got it all off the glass mechanically but doing the same on the bodywork was leaving scratches.

 

The car was a shed by then anyway but it would be a really effective measure on a decent vehicle.

Has an excess for a broken windscreen now become the norm with UK insurance, never used to be but having been out of the country now for some 15 years I'm a bit out of touch.

 

No excess here in Spain where insurance comes with basic 'roadside repair or get you to a suitable garage' breakdown cover.

 

Premium for my car was €290 (£244) and insurance is for the car not the driver which means with my permission anyone over 25 can drive it.

 

This is common if not the norm in most European countries, UK (once again) being a bit of an odd man out in insuring drivers.

 

JR: I bet he never parked across your access again though 

 

 

On 12/10/2021 at 20:22, Dale_Stevens said:

 

He's need one that faces sideways through the front passenger window.

Thats got to be annoying though, someone throwing coins at your car and causing damage.

I would hope if that happened to me that I didn't find where they lived and my dogs poop didn't find its way under the drivers door handle.

 

Just need to let a few months pass so he forgets me ... I hear he's making friends locally on a daily basis so I may have to form a queue.