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Glass and financial exposure
markdartj
 

Posts: 63
Joined: Sep 2014
Location: Anacortes, WA, USA
Post: #1
Glass and financial exposure

Had a mishap with my 14 Pure Premium. When washing the car after a ski trip (Whistler- fantastic), I noticed a crack on the glass roof. Fortunately, I have a glass rider w/my insurance with 0 deductible. Best decision I've made. Replacement is ordered. Only one in North America. When this was offered with my insurance, I thought at the time, with all of the glass, it's a good idea as I was told a replacement roof cost $2,700.00. I strongly reccomend anyone with the glass roof to look at their policy and add a rider for glass. If you end up having to use it, don't let the insurance company tell you sun roof is not included. They tried that with me, and I told them to check again (young new guy adjuster). After double checking, strongly encouraged by some harsh words from me, he found out that yes, it is covered. Blood pressure went down. Happy motoring!

2014 Fuji White Pure PremiumWink
(This post was last modified: 25-01-2015 11:00am by markdartj.)
25-01-2015 10:59am
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XFullFatTim
Bat wielding forum enforcer

Posts: 9,295
Joined: Oct 2010
Location: Somewhere between here and there.
Post: #2
RE: Glass and financial exposure

Very few UK insurers will cover a panoramic roof, break and you pay , not them! They claim is a roof and not a window.........

A Pangea Green New Defender 110 First Edition is now sitting on my drive alongside British Racing Green Electric Mini Cooper SE Level 3. After 21 years in my hands my TDI300 90 was handed on to the next custodian on 15 July 2022.
(This post was last modified: 25-01-2015 11:09am by XFullFatTim.)
25-01-2015 11:07am
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markdartj
 

Posts: 63
Joined: Sep 2014
Location: Anacortes, WA, USA
Post: #3
RE: Glass and financial exposure

(25-01-2015 11:07am)XFullFatTim Wrote:  Very few UK insurers will cover a panoramic roof, break and you pay , not them! They claim is a roof and not a window.........

Could be that since the Evoque is rare over here, at least my insurer didn't differntiate between panoramic roof and sun roof. I guess I lucked out. Not sure how the damage happened. Possibly ice dropping off edge of roof when I was parked to unload. Maybe vandalism (some people in Canada have an anti-U.S. sentiment- however shouldn't have been a problem, since Whistler is mainly populated with Australians.) Cheers

Also in my documentation, the key word is "glass". Doesn't matter where it is on the car, and it specifically mentions sun roof. This is from a major company in the US. They may change their definitions if this happens to them often enough.

2014 Fuji White Pure PremiumWink
(This post was last modified: 25-01-2015 11:24am by markdartj.)
25-01-2015 11:19am
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XFullFatTim
Bat wielding forum enforcer

Posts: 9,295
Joined: Oct 2010
Location: Somewhere between here and there.
Post: #4
RE: Glass and financial exposure

My insurer covers it but I loose my no claims protection!

A Pangea Green New Defender 110 First Edition is now sitting on my drive alongside British Racing Green Electric Mini Cooper SE Level 3. After 21 years in my hands my TDI300 90 was handed on to the next custodian on 15 July 2022.
25-01-2015 11:26am
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Mark^^
 

Posts: 241
Joined: Dec 2012
Location: Australia
Post: #5
RE: Glass and financial exposure

I grilled my insurer, here in Australia, and all glass including the roof is covered.

Fuji White Dynamic SD4 – auto, with Energy interior and pano roof.
25-01-2015 11:58am
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DVFlyer
 

Posts: 86
Joined: Aug 2014
Location: USA
Post: #6
RE: Glass and financial exposure

Hmmmm. Might have to rethink the glass rider on my insurance. Would not be fun to pay to replace that roof.

2014 Zanzibar Pure Premium. Black roof, black wheels, black interior.
25-01-2015 06:12pm
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XFullFatTim
Bat wielding forum enforcer

Posts: 9,295
Joined: Oct 2010
Location: Somewhere between here and there.
Post: #7
RE: Glass and financial exposure

Just make sure that you get it in writing on the policy documents that they will cover a glass sunroof.

A Pangea Green New Defender 110 First Edition is now sitting on my drive alongside British Racing Green Electric Mini Cooper SE Level 3. After 21 years in my hands my TDI300 90 was handed on to the next custodian on 15 July 2022.
26-01-2015 05:34am
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J77
 

Posts: 1,272
Joined: Jul 2011
Location: Fife
Post: #8
RE: Glass and financial exposure

My Disco Sport is coming with a pano roof as standard. I've just renewed my insurance on the Disco 4 with admiral I'll need to check that out before the DS arrives.

18MY Range Rover Velar R-Dynamic SE D240
27-01-2015 12:09am
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markdartj
 

Posts: 63
Joined: Sep 2014
Location: Anacortes, WA, USA
Post: #9
RE: Glass and financial exposure

Should make it clear that although I have a zero deductible glass rider, my insurance company would have covered it anyway under comprehensive coverage, for which I would have had to pay a $500.00 deductible, so I don't think anyone is on the hook for the full price of the glass plus the labor (10 hours).

2014 Fuji White Pure PremiumWink
30-01-2015 06:18pm
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markdartj
 

Posts: 63
Joined: Sep 2014
Location: Anacortes, WA, USA
Post: #10
RE: Glass and financial exposure

Finally got my car back. Only took two days for replacement to be installed. Not very impressed with Chrysler 200 ("America's Import"..LOL) rental car. Here's how the total bill added up:

Parts: $2873.20 in British Pounds: (1885.13)
Labor: 542.50 (355.94)
Aditional Charges(?) 70.53 (46.2Cool
Total: $3486.23 (2287.35)

Sure am glad I got the glass rider. Not sure what additional charges are, maybe sales taxes, or materials used.
I do know the urethane kit alone was $60.00 and shipping was $65.00. I paid out of pocket $94.00 for the rental car.

2014 Fuji White Pure PremiumWink
07-02-2015 10:34pm
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