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Home > Finance, Insurance & Warranties > does your insurance cover your sunroof glass [l405]

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alanm_3

Member Since: 19 Feb 2011
Location: my House, unless I’m not at home, in which case I’m somewhere else.
Posts: 6719

2017 Range Rover Autobiography SDV8 Loire Blue

I thought your car was up for sale Stan? Are you replacing it with another 405? Got - 2017 SDV8 Autobiography in Loire Blue
Had- 2008 TDV8 Vogue SE in Java black
Had - 2007 S/C in Stornoway Grey

21st Feb 2024 7:35am

stan
Site Moderator

Member Since: 13 Jul 2010
Location: a moderate moderated moderator moderating moderately in moderation
Posts: 35262

its sold ..i was going through the insurance stuff and noticed this issue. ... - .- -.

Y. O. L. O.
.

21st Feb 2024 8:18am

supershuttle

Member Since: 20 Mar 2011
Location: Lancashire
Posts: 3777

2013 Range Rover Autobiography SDV8 Luxor

Having been driving for over 50 years I've never had a sunroof smashed or even heard of one being smashed so I wont be spending any more time worrying about it. Geoff

21st Feb 2024 8:48am

Cam-Tech-Craig

Member Since: 03 Aug 2011
Location: Gloucestershire
Posts: 16280

2015 Range Rover SVAutobiography SDV8 Loire Blue

Absolutely Stan. Point taken… Mine was only to say to anyone reading this now or in the future, there are other ways. Doesn’t always have to be a ‘pants down moment at the main dealers!’ 👍

21st Feb 2024 8:53am

Alistair

Member Since: 11 Feb 2011
Location: Peterborough / Bordeaux / Andorra
Posts: 7921

2013 Range Rover Vogue SE SDV8 Santorini Black

stan wrote:
I'd be willing to pay the extra premium Craig , but its not being aware that the roof isnt covered on my normal policy...
my fault for not reading the exclusions..

It will be covered - but will be a regular claim and not a windscreen claim. So would affect NCD and be subject to normal excess.

You're basically in the same position as someone with a metal roof. If a rock falls on it, you decide whether to make a claim or pay for the repair yourself. No cheap £100 windscreen excess option.

21st Feb 2024 5:35pm

stan
Site Moderator

Member Since: 13 Jul 2010
Location: a moderate moderated moderator moderating moderately in moderation
Posts: 35262

thanks for the clarification Alistair.. ... - .- -.

Y. O. L. O.
.

21st Feb 2024 6:56pm

Bill

Member Since: 18 Nov 2017
Location: Essex / Normandy
Posts: 1230

supershuttle wrote:
Having been driving for over 50 years I've never had a sunroof smashed or even heard of one being smashed so I wont be spending any more time worrying about it.

Just prior to the first lockdown , on the A12 & a lorry spun a pice of angled metal off the road. Hit the windscreen AND the sunroof. Took them both out.

I phoned Autoglass, & they said we will check your policy , Bingo I was covered as glass & I paid one lot of £75.00 excess .

I seem to recall Autoglass saying it was about £4,000 of repairs, but I’m not quite sure.

I always check to make sure both are covered…. What do they say about lightning…

I drove to Autoglass in lockdown as an essential worker (farmer!) …. Very very strange . Filters are in fact so good that in certain circumstances, when the ambient air is already polluted, a diesel car will tend to extract more particles from the air than it emits. Emissions Analytics worked with........etc etc

He who dies with the most toys wins...

23rd Feb 2024 2:23pm

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