The insurance industry operates based on utmost good faith; in order for us to better serve you in the future it is to your benefit that you declare any kind of claim you had in the past 5 years, in order to avoid future problems and misunderstandings. It is then up to the Insurance Company to decide whether or not this will be charged.
In our case, there will be no loading; you will not be charged for the windscreen claim. You will also be entitled to a discount; given that you have a claims-free history. This applies both for new and existing customers.