Introduction
A small crack or break in your car’s windscreen can quickly become a bigger problem if ignored. Windscreen claim without affecting NCD ensures that drivers can repair their car without losing their annual insurance discount. This article explains the important steps to claim windscreen safely, the necessary documentation, and approved panel workshops.
1. Why Windscreen Claim Without Affecting NCD Matters
Claiming your windscreen incorrectly can reduce your NCD by 25–55%. By following the correct process:
- NCD remains safe even after repairs
- Insurance fully covers the repair costs.
- No complications during next year’s renewal
- Small cracks left untreated can grow, increasing repair costs and safety risks
2. When It’s Appropriate to Claim Windscreen
You can make a claim if:
- Detect small cracks before they grow larger.
- Your car is still covered under an active comprehensive policy
- Damage occurs accidentally without negligence
- Early claims are more worthwhile since minor repair costs are covered and NCD can be preserved
3. Steps for Windscreen Claim Without Affecting NCD
- Take clear photos of the crack from multiple angles
- Contact BJAK or your insurer through official channels
- Choose an approved panel workshop for windscreen replacement
- Ensure your report includes date, location, and cause of damage
- Follow the adjuster’s instructions; do not repair the windscreen yourself before the claim is approved
- If you follow the procedure, a windscreen claim without affecting NCD is usually successful
4. Additional Tips to Protect Your Windscreen
- Inspect your windscreen weekly for new cracks
- Avoid driving on bumpy roads or heavy vehicle areas
- Consider add-ons or extra coverage if frequently hit by flying stones
Conclusion
By following this guide, you can complete a windscreen claim without affecting NCD easily and safely. Follow this guide to complete a windscreen claim. Submit early claims, provide proper documentation, and use BJAK or insurer-approved channels to keep your NCD intact, control repair costs, and maintain your vehicle in good condition.
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