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+--- Forum: Finance & Insurance (/Forum-Finance-Insurance)
+--- Thread: Panoramic Roof - Insurance impact. IMPORTANT. (/Thread-Panoramic-Roof-Insurance-impact-IMPORTANT)
Panoramic Roof - Insurance impact. IMPORTANT. - oraclejon - 06-01-2012 05:16pm
Its come to my attention that some insurers are limiting the cover for the Panoramic Roof option on Evoques. There has been a claim made by another Evoque owner (from another forum) for a 14" crack on the Pano roof (within 2 weeks of ownership) and the owner expected that it would be classed as a windscreen claim...it wasnt...its classed as a full claim and impacts no claim discounts etc.
It gets worse!
I then thought that it would be wise to check with my insurer (Admiral) what level of cover i will get on my policy if i had a chip/crack on the Pano Roof...they informed me (after double checking with the underwriters) that they would not cover the Pano Roof AT ALL...no claims allowed! So if i had a crack etc i would need to fund the replacement (£1,200.00+VAT) myself!
Can everyone reading this who is getting a Pano Roof/currently has one please check with their Insurers and report back here...
1. Are you covered as part of windscreen cover (minimal excess)
2. Are you covered as a standard claim (standard excess)
3. Are you not covered for Pano Roof claims (Full cost)
4. Name of Insurer.
Thanks
Jon
RE: Panoramic Roof - Insurance impact. IMPORTANT. - WB - 06-01-2012 05:38pm
Jon, have you read your policy paperwork - half the time I think the call centers make it up as they go along. Hopefully there should be something in black and white?
RE: Panoramic Roof - Insurance impact. IMPORTANT. - fam1x - 06-01-2012 07:37pm
Wow that can't be right, I'm just about to contact my insurer to get cover only car which comes in 2 weeks it has a panoramic roof too. Let you know what they say.
RE: Panoramic Roof - Insurance impact. IMPORTANT. - mywillia - 06-01-2012 09:01pm
Oracle Jon
Sorry, you're wrong. Unless your policy docs make specific reference to the exclusion of a GLASS panoramic roof then you are covered under the terms of the glass section in your policy. The chances are that the glass companies are not geared up for replacing pano roofs yet and therefore you can't use the insurers preferred method.
Usually in those circumstances you might be asked to pay for the full cost of repair yourself and then claim the sum back from your insurer minus your GLASS excess only. If paying the £1400+ cost of repair out of your own pocket is not possible then the insurer should help you out (if you push them hard enough). I suspect people will be asked to make their own arrangements for repair until such time as Autoglass and the other major windscreen repairers gear / train up for the replacment of Pano roofs. I'm sure most main dealers would also be happy to arrange direct settlement via your insurer once they've been given a green light from them and a claim number.
The large windscreen repairers have processes and direct settlement in place with the insurers which is why you can take your car to them, show them your insurance and they'll replace the screen. Other garages outside of the approved repairer network don't which is why the insurance co's will need you to raise a claim. This is purely so they can create a claim in their system and then settle the costs of that claim. Approved repairers and Glass co's are well versed in your insurance companies procedures and policy excesses and they generally have automated billing and settlement between them.
Panoramic Roof - Insurance impact. IMPORTANT. - chiggy - 07-01-2012 10:11am
Well here in Australia the insurance companies ask what options you have on the car, and most of the big companies have panoramic sunroof as an option available for the evoque. I'm definitely going to tick that box when it arrives.
Not sure how it works there.
It's to ensure that we can't claim for something we haven't disclosed to the insurance company. The price of insurance etc is then determined according to the extras added on.
Having said that, insurance here is much cheaper than insurance there. So it does suck for you even more if it isn't covered!!
RE: Panoramic Roof - Insurance impact. IMPORTANT. - bogstomper - 07-01-2012 11:06am
Maybe I'm looking at this a little simplistically, but when I set up my insurance, I was very careful to explain the (factory fit) extras on my car. Those explain why, when they asked for the value of my car, it was more than for a standard vehicle. I therefore expect them to cover those items unless they've told me that some are excluded or subject to different cover (in which case, I wouldn't have bought the policy!) - which they didn't. So why wouldn't this be covered?
I have metallic paint as well - does this imply that if a panel needed to be resprayed, they would only do so in Fuji?
Panoramic Roof - Insurance impact. IMPORTANT. - Big Dave - 07-01-2012 11:19am
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.
RE: Panoramic Roof - Insurance impact. IMPORTANT. - mywillia - 07-01-2012 11:37am
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"
RE: Panoramic Roof - Insurance impact. IMPORTANT. - oraclejon - 07-01-2012 12:14pm
Good to see some of you are clearly covered an it is detailed in the policy documents. I've checked mine this morning and there is zero mention of sunroofs in any of the sections do I've sent a formal request in for clarification....not going to rely on a call centre kid for the truth.
I'll check back when I hear more but here's hoping that I am at least covered as a standard claim.
RE: Panoramic Roof - Insurance impact. IMPORTANT. - mywillia - 07-01-2012 12:20pm
oraclejon
Who is you're insurer? and what does the glass sectionactually say?