Anyway back on topic:
2000chf for the windscreen of a Volvo V70 - including rain-sensor.
The claim will count towards the number they allow you before they go to cancel your contract.
I have already bought colour coded paint and lacquer Stift (so they call it auf Deutsch) in two plastic tubes from Bimmer garage for CHF30?and applied in the past in several places already. It works well on minor bumper scratches and etc. but never good enough on stone chips.
Btw: The stone chip on bonnet is so tiny and hardly visible that when mentioned once at the garage they laughed. But I am perfectionist and obsessed with this kind of stuff. Like my car baby's ass smooth...
Back on topic, tiny stone chips also affect the windscreen but I was adviced to have it only replaced when it is really bad. Then you pay an excess of CHf300 or so...
I was talking about the US. Here, I would not have a deductible on glass, especially if a windshield replacement costs that much, but again, it depends on how much the premium would go up.
I'm not sure about the premium increase according to number of claims, etc. We've had one minor accident (no repair) and a windshield replacement. So far I believe we haven't had an increase.
Dan
the whole process is laughable, in the uk, call them, they send a man in a van to ur house, 15mins later its done, costs to insurance company(and thus u in the long term) very little.
here, call the insurance com[any, they give me a garage address, goto the garage, fill in forms, take copies of proof of ownership of car, take milage reading (???) take several photos of said chip. Then advise they will get in contact with me and i may need a new screen!
A week later get a call to make an appointment, arrange for3 weeks time(ok, christmas is in the middle) and ask what size courtesy car i require!! COURTESY CAR FOR A CHIP REPAIR! they advise WHEN they replace the screen it may take 2 days to get another!!
I explain i expect a chip repair only not a screen replacement unless absolutely necessary.
they say 'of course, what size car would you like?'
even if they do repair the chip, how on earth does it take all day to sort out!!!???
sorry, Swiss efficiency, i dont think so!
Worst of all, we are all paying for this in our premiums. Will see how they go, but will send a mail to my insurance company suggesting a cheaper route to repairing windscreen!
But anyway, whenever offered a new windshield take it. My MFK is coming up and for I probably wouldn't have passed with the old (original) windshield, because of all the tiny spec chips on it. Not to mention the comfort of driving with a new windshield
Yet I don't wanna push my luck because maybe one day I might become a victim (touch wood) and report back ...
Even mist due to delamination is a failure if outside the area swept by the wipers.
Insurance company then chased me because I hadn't bothered to get the screen changed, so I made an appointment with the screen people, they wanted the car for 2 days, fair enough, it was freezing cold and snow everywhere and the screen is a glued in one, so temperature is important for a good job. What car do you want to borrow whilst we do it, I don't I said, I have another car so no problem, but you may as well have one the insurance is paying, no I don't need one thank you. But the insurance will pay. I do not need one, thank you. So a 15 minute job in the UK ends up costing CHF1500 plus here, no wonder insurance is so high.