When a windscreen repair or replacement company says they can direct bill insurance companies, or that they’re ‘insurance approved’, there’s something else you should know.
Insurance companies do not like dealing with multiple suppliers. It’s far easier to deal with one two or three nationwide repairers which in turn makes dealing with any claims a much more manageable task for them. Typically, those repairers will be Autoglass, Auto Windscreens and National Windscreens. None of these companies use subcontractors or a supplier network. They operate in their own individual ways using their own employed staff. The exception to this used to be AA Autowindshields (now acquired by and operated by the same parent company as Auto Windscreens) who, in an attempt to cover areas in which they did not have a presence, would appoint a local company as a sub contractor to act on their behalf. Contracts are designed on service delivery, coverage and price.
Autoglass parent company Belron also operates (among its other businesses) Glasscare which acts as a price mechanism designed to profit from those who use it, and also to act as a (price) comparator in the interests of their sister windscreen fitting concern. The Supplier Invoice Control Program ( “SICP” ) allows smaller companies (those who do not have direct billing arrangements with the insurers for whom Glasscare are acting as agents) to invoice insurance companies for windscreen (and glass) repair and replacement jobs. The SICP system is a price regulator, and will also take steps to ensure that the claim is genuine. Each user of the system is required to input details specific to each claim – or job – before a prescribed rate is given. The rates are often questionable, but remain subjective to purchase price (of parts) and each individual business in terms of their size and operation. As its name suggests, the control program is tailored around the arrangement Autoglass has with each respective insurer. It does not entitle anyone using the system (other than the nominated supplier, Autoglass) direct access to any of those insurers. By this, the claim of having to ‘direct bill’ insurance companies is not true. Another false claim is for anyone – other than the prevailing preferred repairer – to claim they are insurance approved. Whilst Glasscare will occasionally and periodically audit its users, no checks are carried out on the work itself.
National Windscreens also operates a similar system. Whilst the brand is essentially nationwide, the company is made up of smaller independent companies who operate under the National Windscreens banner. Another similar network of suppliers quite new to the industry is Nationwide Windscreen Services. This is a group independent companies covering designated and predetermined areas of the country. Whilst National Windscreens or Nationwide may be better qualified to an insurance approved claim, it still does little more than delegate tasks to sub contractors who remain as third parties throughout.
There are no exceptions to the direct billing and insurance approved claims. There are however, some companies who do have a direct billing, or nominated supplier arrangement with some insurance companies, such as Silver Shield Windscreens and Catlin Insurance and Nationwide Motorglass and Hastings Insurance.