In Singapore, filing a claim for damages to your car’s windscreen will not typically affect your no claims discount on your car insurance policy.
A no claims discount, also known as a no claims bonus, is a discount on your car insurance premium that is given to policyholders who have not made any claims on their policy over a certain period of time. This discount is typically given as a percentage of the total premium, and the longer you go without making a claim, the higher the discount will be (Maximum up to 50% for private vehicles, while it is capped at 20% for commercial vehicles).
Windscreen damage is typically considered to be a “minor claim” and is usually covered under a comprehensive car insurance policy as a standard feature. Making a claim for windscreen damage, will not affect your no claims discount, as the insurer will typically cover the cost of the repairs or replacement without it impacting your no claims discount.
However, some insurance companies may require policyholders to pay a fee when making a claim for windscreen damage. This fee, known as an excess fee, is a set amount that the policyholder must pay out of pocket before the insurer will cover the cost of the repairs or replacement. The amount of the excess fee will vary depending on the insurance company.
It’s important to check with your insurance company about the specific terms of your policy, including how much excess fees (if any), that may apply to the windscreen claims. You should also be aware of what is covered and what is not covered in your policy. Some policies may have exclusions or limitations on coverage for windscreen damage, so it’s important to understand these before making a claim.
It’s worth noting that some insurers in Singapore will also waive the excess fee for windscreen claims if you choose to have the repairs or replacement carried out at one of their approved workshops. So, it’s always best to check with your insurer for the best option.