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!

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

(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.

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

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

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

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

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.

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).

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 (46.2
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.