Introduction
You should not overlook a small crack on your windscreen. Even minor damage can spread and compromise safety. More importantly, the way you file a windscreen claim can directly affect your No Claim Discount (NCD) on your car insurance policy. This article explains the types of cracks, the correct way to file a claim, and preventive tips to keep your NCD intact.
1. Understand the Types of Cracks
Small cracks usually appear as chips or fissures less than 5 cm in size.
- They do not compromise the overall structure of your windscreen.
- Most of the time, they can be repaired without replacing the entire glass.
BJAK Tip: Take photos of the crack immediately to serve as proof before submitting your claim.
2. Smart Claiming to Preserve Your NCD
You can protect your NCD even if the windscreen cracks by:
- Filing a minor claim or panel repair that does not affect your main policy.
- Sending your car to a BJAK-recognized panel repair workshop.
- Preparing complete documentation, including your insurance report and photos of the damage.
BJAK emphasizes that minor claims will not impact your NCD as long as the damage is categorized as minor and all procedures are properly followed.
3. Preventive Tips & Windscreen Care
- Avoid driving on gravel roads or areas that can increase stress on the glass.
- Regularly check for damage to prevent small cracks from spreading.
- Use BJAK reminders to renew your insurance on time, ensuring there’s no coverage gap that could affect your NCD.
Conclusion
A small crack on your windscreen does not necessarily affect your NCD. By taking the right steps, providing complete evidence, and using BJAK-recognized workshops, you can ensure your insurance discount remains safe. Act early to protect your car without risking high costs or losing your NCD.
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