Bostomper,
It never hurts to mention your Factory Extra's when taking out insurance but having said that if it leaves the factory with the item fitted, or if the dealer fits the item before handing the vehicle to you then you're covered as long as you've told them the list price of you car.
Most Fully comp policies will include a like for like replacement clause where the vehicle is written off in the first year, this is why I never bother with GAP insurance! There is one caveat to the like for like replacement and that is that you have to be the first owner. Therefore if you by a dealer demonstrator or pre-registered vehicle you won't be covered under the like for like clause (usually, some insurers may insure)
Also, if you do write your car off after the first year the insurance company will pay you "Market Value". Often their initial offer is low at which point you can then argue the point with them by trawling Autotrader to find a used car with the same spec as your old car and using that price as the "Market Value". The outcome of insurance is generally to put you in the same position you would have been had the accident not occurred. eg driving around in a fully loaded evoque and not in an ed4 PURE
This is where people often fall down, they think that by telling the insurance co that their PURE with all the options cost them £28k instead of the £35k+ they've saved a few quid on their insurance. This is actually non-disclosure and could result in them cancelling your insurance. What they can't treat as non-disclosure is you not telling them all the options as long as you tell them the correct price you paid. This would tie back to your purchase invoice which lists your options.
The above should apply to 99% of all standard car insurance policies. If you have a specialist policy such as classic car, 4x4 etc then you need to check the policy coverage BEFORE you buy as it may not give you the cover you need.
One other caveat to be aware off - don't scrimp on the estimated mileage when asked, If you say you do 5k miles a year when you actually do 20k miles a year then if the worst were to happen you would have a fight on your hands.
And finally, remember that if you phone an insurance company directly for your insurance the call will be recorded, they have a reference point to go back to to check what was said by you and them at the time of purchase, if you decide to reel off all your options and they don't say anything then they can't later say "sorry sir/madam you're not covered for that!"
(07-01-2012 11:19am)Big Dave Wrote: I'm not at all surprised that this isn't covered under the windscreen section if the policy.
My insurer will deal with the roof just the same as a metal or convertible one. It will be replaced under my fully comprehensive cover and will effect my no claims bonus unless a third party was the cause of the damage and a recovery of their losses can be made.
Just because it's glass I don't think it's fair to assume it will come under your windscreen cover.
Big Dave,
Who is your insurer! and have you checked your policy wording under the GLASS section. If the glass section says you're covered for damage to "Sunroof" then you're covered end of! unless it makes specific exclusions of "Full length fixed glass" or something along those lines. An insurer cannot change the wording of your policy to suit them mid-term.
Please everybody, I urge you to go and check your insurance policy wording. You all have one, it will have been included with your certificate of insurance. Some may have exclusions to the glass section for "fixed full length glass" but most will just say "We will pay for replacement of the glass in your car's winscreen,
sunroof or windows" or something along those lines.
I'll start the ball rolling
Insurer - AVIVA
policy wording as above (I'm covered)
No exclusions in the policy for "Fixed full length glass"
Panoramic Roof - Insurance impact. IMPORTANT.
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