Should I claim for windscreen damage on my insurance or pay for it myself?

I bought a 2005 Ford Focus with a cracked windscreen. It has no MoT and I've not put it on my insurance yet. Is it best for me to pay £160 to replace the windscreen or put the car on my insurance and then claim through my insurance window cover?

Asked on 14 August 2018 by Francesca Crowther-smith

Answered by Tim Kelly
As the windscreen was damaged prior to being placed on your insurance it would be fraudulent to claim for it. We would suggest you pay the £160 yourself.
Similar questions
I had a windscreen replaced by my insurer three years ago. I recently searched for new insurance and was asked if I had a claim in the last five years. Should I say that I have claimed for a replacement...
Yesterday my windscreen was hit by a flying pebble. A 'spider's web' has appeared in the screen and a replacement is required. Can I insist on an OEM replacement?
Trying to get through a narrow gap to get off a garage forecourt, I scraped my car against the bumper of a large lorry. No damage at all to the lorries bumper, but I have a slight depression in the rear...
Related models
Superb blend of keen handling and ride comfort. Seats five in comfort. five-star Euro NCAP crash test rating.

Value my car