Does anyone know roughly how much my premiums for buildings contents might go up if I put in a claim?

[Neolara]

My DH was mowing the lawn and a stone flew up and smashed a pane in our bi-fold doors. I'm trying to work out if it will be a good idea to make a claim. We are covered for accidental damage to windows and doors.

The cost to fit and replace the pane is £470. Our excess is £200.

I'm interested in getting a sense of how much our premiums may go up by when we renew in November if we make a claim for the remaining £270. The insurance company wouldn't give me even a hint.

My wife dropped her mobile in the bath. Our excess was £100, annual premium £250 and claim was £450. Made the claim and used the £350 to pay out the phone contract and to get a new phone.

Next year my premium was £400.

I made a claim that ended up being over £40k between building and contents (house fire). Fully expected my premiums to skyrocket the following year - but my renewal was actually £30 a year lower!

Underwriter here hides under chair. I’m afraid it totally depends on the company’s policy. The call centre staff won’t have a clue as they don’t get to see the ratings.
Personally I don’t load for a one off claim (I work in commercial though which isn’t so computer driven), but in your situation I wouldn’t have claimed mainly in case you need to claim for something more serious.
2 claims (even small ones) in 3 years youll start to be seen as high risk.
General rule is 3 claims in 5 years and you’ll get declined off a standard scheme and have to start looking for specialist insurance which will start getting VERY expensive.
Having said all that - it’s now reported as an incident and as it’s low cost loading will likely be the same Now whether you proceed or not (unless you’ve got NCD which isn’t much on home insurance). So - phone them, ask them is you’ve got any no claims discount. If you haven’t go ahead. Then think very carefully next time about disclosing any incidents lol

Sorry about random words/ punctuation on phone and trying to cook tea 😂

@Ginismyfriendx really helpful explanation, thanks for that.

Thank you all and especially ginismyfriend.. We've decided not to claim and if our premiums go up at renewal because we've disclosed an incident, we will shop around.. We've only been with this insurance company a year so don't think we have built up any ncb.

@dancingLedge Ah... thanks both. Only just seen this not very mumsnet savvy lol
@neolara just as a disclaimer, any incidents also need to be disclosed to your next insururer or could lead to a policy being voided/claim being reduced. I doubt they’d investigate enough to find out or underwriter will give a shit but it is on record so really should be disclosed. This is why I say be careful what incidents you report!!!!