Rear Screen Breakage - 'glass claim' on insurance?
Discussion
Hi Chaps,
My OH has just broken her rear tailgate glass by closing it down onto some rubbish due to be taken to the tip later today :-(
As usual, of course, it's all my fault!
No other damage, thankfully, so just a quick question: is this (totally self-inflicted) breakage covered by her insurance 'windscreen' cover - or is that just for more 'accidental' stuff?
My OH has just broken her rear tailgate glass by closing it down onto some rubbish due to be taken to the tip later today :-(
As usual, of course, it's all my fault!
No other damage, thankfully, so just a quick question: is this (totally self-inflicted) breakage covered by her insurance 'windscreen' cover - or is that just for more 'accidental' stuff?
Of course, every ‘self-inflicted’ claim that is paid out, puts everyone’s premium up.
However, surely the insurance excess payment will come close to or be more than the rear screen replacement cost?
ETA: Having read my own policy, it says ‘glass’ repair.
The detailed booklet says ‘glass in your car’s windscreen, windows, or sunroof’. So I would assume that a rear screen is a window, and therefore covered by the glass excess of £50 (or £70 at my chosen repairer).
However, surely the insurance excess payment will come close to or be more than the rear screen replacement cost?
ETA: Having read my own policy, it says ‘glass’ repair.
The detailed booklet says ‘glass in your car’s windscreen, windows, or sunroof’. So I would assume that a rear screen is a window, and therefore covered by the glass excess of £50 (or £70 at my chosen repairer).
Edited by Pica-Pica on Saturday 19th October 10:57
280E said:
As usual, of course, it's all my fault!
I feel your pain!280E said:
... so just a quick question: is this (totally self-inflicted) breakage covered by her insurance 'windscreen' cover...
Strictly speaking the windscreen is the front window - ie, the one that screens the car's occupants from the wind - so I suspect it'll fall outside the remit of windscreen cover and the usual excess will be payable, which might make it cheaper (especially when you factor in the impact on your premiums if you make a claim) to simply pay for it out of your own pocket. Do check your policy though as it's all down to how they interpret windscreen cover, or "glass cover" as some call it.Pica-Pica said:
Of course, every ‘self-inflicted’ claim that is paid out, puts everyone’s premium up.
However, surely the insurance excess payment will come close to or be more than the rear screen replacement cost?
ETA: Having read my own policy, it says ‘glass’ repair.
The detailed booklet says ‘glass in your car’s windscreen, windows, or sunroof’. So I would assume that a rear screen is a window, and therefore covered by the glass excess of £50 (or £70 at my chosen repairer).
Surely by default most claims are self inflicted?However, surely the insurance excess payment will come close to or be more than the rear screen replacement cost?
ETA: Having read my own policy, it says ‘glass’ repair.
The detailed booklet says ‘glass in your car’s windscreen, windows, or sunroof’. So I would assume that a rear screen is a window, and therefore covered by the glass excess of £50 (or £70 at my chosen repairer).
Edited by Pica-Pica on Saturday 19th October 10:57
I'd also argue that most glass replacement will be significantly more than a £50/£70 excess.
Pica-Pica said:
.... and therefore covered by the glass excess of £50 (or £70 at my chosen repairer).
£90 with LV=, as we discovered the other day after driver's window was found to be smashed on daughter's car.More dismaying, she found out afterwards her union would would have paid in full - she's a teacher and it was done at school.
Zetec-S said:
Pica-Pica said:
Of course, every ‘self-inflicted’ claim that is paid out, puts everyone’s premium up.
However, surely the insurance excess payment will come close to or be more than the rear screen replacement cost?
ETA: Having read my own policy, it says ‘glass’ repair.
The detailed booklet says ‘glass in your car’s windscreen, windows, or sunroof’. So I would assume that a rear screen is a window, and therefore covered by the glass excess of £50 (or £70 at my chosen repairer).
Surely by default most claims are self inflicted?However, surely the insurance excess payment will come close to or be more than the rear screen replacement cost?
ETA: Having read my own policy, it says ‘glass’ repair.
The detailed booklet says ‘glass in your car’s windscreen, windows, or sunroof’. So I would assume that a rear screen is a window, and therefore covered by the glass excess of £50 (or £70 at my chosen repairer).
Edited by Pica-Pica on Saturday 19th October 10:57
I'd also argue that most glass replacement will be significantly more than a £50/£70 excess.
My only experience of this is of a customer who upon arriving to collect his new car parked his Jag XJ trade in in front of the showroom window proudly displaying a bullseye the size of an orange in the rear screen.
In fairness to him it was contained within the blackout around the edge so wouldn't have been visible in his rear view mirror. It was all sorted out painlessly on his insurance as I recall.
Suspected golf ball, though no surprise given the ake and model.
In fairness to him it was contained within the blackout around the edge so wouldn't have been visible in his rear view mirror. It was all sorted out painlessly on his insurance as I recall.
Suspected golf ball, though no surprise given the ake and model.
MitchT said:
Strictly speaking the windscreen is the front window - ie, the one that screens the car's occupants from the wind - so I suspect it'll fall outside the remit of windscreen cover and the usual excess will be payable, which might make it cheaper (especially when you factor in the impact on your premiums if you make a claim) to simply pay for it out of your own pocket. Do check your policy though as it's all down to how they interpret windscreen cover, or "glass cover" as some call it.
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