991.2 GTS Windscreen Replacement Frustration
Discussion
Hi there,
Bit of a rant coming, but last night someone changed lanes on the motorway in front of me, resulting in a tiny stone chipping the windscreen of my 2017 991.2 GTS, which by the time I reached home developed into a 2ft crack.
This morning I am looking at options of making a windscreen claim on my insurance (via Admiral) but after several frustrated conversations about their use of the terms "MAY affect your policy at the time of renewal" and asking them to clarify will it affect the price or not and their clarification of the difference between "NCD" and "Premium" I can surmise that they finally did confirm that a Windscreen Claim DOES have a weighting in the calculation of the next insurance Premium (in other words it will increase) however you can keep your No Claims Bonus (which give you the same amount of discount, but on a higher premium) so in other words, I will be paying more next year. This was confirmed when running two identical insurance quotes, one with a Windscreen Claim and one without a Windscreen Claim, and the difference was about £300 - if that stays true over the next few years, then i'm paying for the Windscreen anyway.
Then there is a separate question over the Glass that is used but Autoglass IF I went through the Insurance Route. My car is still in Warranty, and according to Porsche if I want to extend this next year, the Glass must be an OM part understandably. So Admiral will only allow AutoGlass to do the job, not the Porsche Centre as I have asked, but cannot guarantee an OM Windscreen will be used - and if I insist on this there will be additional cost above the excess. If I take the car to the Porsche Centre, Admiral will only contribute £50 to the job and by the look of it my Premium will increase anyway due to the "weighting" of a Windscreen Claim
I called my Porsche Centre and they have quote me £1,200 to replace the screen and i'm close to just paying for it myself, at least I will know its an OM Part, keeps the car in Warranty spec and know the job will be done as per Porsche's instructions.
I feel in a bit of a catch 22, and to be honest feel like my so called Windscreen Cover is worth diddly squat...
Anyone else have any experience of this situation?
Bit of a rant coming, but last night someone changed lanes on the motorway in front of me, resulting in a tiny stone chipping the windscreen of my 2017 991.2 GTS, which by the time I reached home developed into a 2ft crack.
This morning I am looking at options of making a windscreen claim on my insurance (via Admiral) but after several frustrated conversations about their use of the terms "MAY affect your policy at the time of renewal" and asking them to clarify will it affect the price or not and their clarification of the difference between "NCD" and "Premium" I can surmise that they finally did confirm that a Windscreen Claim DOES have a weighting in the calculation of the next insurance Premium (in other words it will increase) however you can keep your No Claims Bonus (which give you the same amount of discount, but on a higher premium) so in other words, I will be paying more next year. This was confirmed when running two identical insurance quotes, one with a Windscreen Claim and one without a Windscreen Claim, and the difference was about £300 - if that stays true over the next few years, then i'm paying for the Windscreen anyway.
Then there is a separate question over the Glass that is used but Autoglass IF I went through the Insurance Route. My car is still in Warranty, and according to Porsche if I want to extend this next year, the Glass must be an OM part understandably. So Admiral will only allow AutoGlass to do the job, not the Porsche Centre as I have asked, but cannot guarantee an OM Windscreen will be used - and if I insist on this there will be additional cost above the excess. If I take the car to the Porsche Centre, Admiral will only contribute £50 to the job and by the look of it my Premium will increase anyway due to the "weighting" of a Windscreen Claim
I called my Porsche Centre and they have quote me £1,200 to replace the screen and i'm close to just paying for it myself, at least I will know its an OM Part, keeps the car in Warranty spec and know the job will be done as per Porsche's instructions.
I feel in a bit of a catch 22, and to be honest feel like my so called Windscreen Cover is worth diddly squat...
Anyone else have any experience of this situation?
If you've paid Admiral for the ws cover then why not speak with Autoglass direct ( I assume they are named in the Admiral claim instructions ) and " insist " like for like replacement.Whilst no doubt Admiral will try and charge you more on renewal I imagine you can negotiate that as you would anyway.Paying for it yourself will cost you more either way.I doubt anyone in your position wouldn't want an exact replacement.
Admiral also charge customers more who pay monthly - yet another reason not to necessarily go with them Year 1 just because they are " cheaper " - depends on much you value hassle etc.
Good luck.
Admiral also charge customers more who pay monthly - yet another reason not to necessarily go with them Year 1 just because they are " cheaper " - depends on much you value hassle etc.
Good luck.
I too have a crack in my 991.2 front screen. I have had all the same conversations with my insurer as you about NCB and the fact that future premiums will rise as a result of a claim plus the insurer wanting to use their own glass fitter with non OEM glass. I have concluded that I will not claim and will use my OPC even though they have said they will call in Autoglass ! Even so I will not have any problems down the line with Porsche warranty claims re non Porsche parts being fitted as the OPC will supply the screen.
Within 3 years of a new car you can have oem glass and it’s fine autoglass fitting it at the OPC location.
Admiral changed their wording due to me a few years back when I got a screen on my Porsche which was over 3 years old and cost £700.
Admiral are s
t to deal with for screens sadly, makes you wonder what they do with lambo owners when the screens are £3k.
I ended up paying for my screen my self, but took legal action got admiral to pay out, they then changed the small print about 4 years ago as there was a loop hole in the docs.
The thing is admiral are 1/2 the price so what you save over say 3 years would pay for 2 /3 windscreens. I have 2 cars with them and 3 with another due to this.
Also which is annoying oem screens are not that expensive, OPC put about 50% on them :-(
Admiral changed their wording due to me a few years back when I got a screen on my Porsche which was over 3 years old and cost £700.
Admiral are s
t to deal with for screens sadly, makes you wonder what they do with lambo owners when the screens are £3k. I ended up paying for my screen my self, but took legal action got admiral to pay out, they then changed the small print about 4 years ago as there was a loop hole in the docs.
The thing is admiral are 1/2 the price so what you save over say 3 years would pay for 2 /3 windscreens. I have 2 cars with them and 3 with another due to this.
Also which is annoying oem screens are not that expensive, OPC put about 50% on them :-(
s999sws said:
Even if you pay for it yourself, now you’ve told them, next year your premium will increase. Once they are informed of something, even if no claim, it goes on your file and is used against you.
SWS
This. They will add it to your premium next year anyway... May as well get them to pay.SWS
I replaced mine through the insurance so to speak. Spoke to the insurers told them about the damage and that I want a genuine screen, I bought the screen from Porsche and had a good fitter fit it, paid the bill and passed it on to the insurance, two weeks later got paid.
Come renewal my policy went down by £30 so no big drama.
Carl
Come renewal my policy went down by £30 so no big drama.
Carl
I feel your pain. On the first day picking up my used 987 a lorry chucked a rock at the window. I wanted Porsche to fit it. Luckily the insurance coughed up for them to do it. Glad I did as the fit on the first attempt wasn’t spec and the whole lot had to be re done. The said auto glass would’ve said tough luck.
I was worried it would affect my renewal. I was told “it could”. I ended up changing to NFU on renewal anyway, and when I told them about the £1000 window claim, they said windscreen claims don’t count on the premium cost, well for them at least! You have to tell them but seems not all insurers use that as an excuse to bump up your price.
I was worried it would affect my renewal. I was told “it could”. I ended up changing to NFU on renewal anyway, and when I told them about the £1000 window claim, they said windscreen claims don’t count on the premium cost, well for them at least! You have to tell them but seems not all insurers use that as an excuse to bump up your price.
s999sws said:
Even if you pay for it yourself, now you’ve told them, next year your premium will increase. Once they are informed of something, even if no claim, it goes on your file and is used against you.
SWS
This. SWS
You're dammed if you do and dammed if you don't. This is the reality of motor claims in general. If your car was parked outside your house and someone ploughed into it, you're dammed.
I've helped a many insured parties deal with these situations. Each case is argued on its own merits - or the policyholder's circumstances/situation - and can also be based on a few variables. Ultimately, the 'what they would do in the event of a claim' isn't pre-disclosed in a clear way. It's also, arguably, a requirement given that it is a financial product, the firm should take reasonable steps to "ensure a customer is given appropriate information about a policy in good time and in a comprehensible form so that the customer can make an informed decision about the arrangements proposed" - ICOBS 6.1
They do, but given how many people are caught out by this lack of detail, it's clearly not enough. Whether you have the time or inclination to read a multi-page booklet in PDF aside, it's full of jargon and the bit about claims isn't actually that clear (if you can find it).
Then there is the car warranty. Any device connected to the windscreen (and if the windscreen has integral GPS/DAB/antennae) will not be covered if the windscreen is not original.
Do not be misled by the term Original Equipment Equivalent ( "OEE" ). It's just a clever way of saying copy to trick you into believing that it's the same product without the stamp (the idea of someone 'stamping' parts also happens to be horses
t). The OEM (or OE) product is the best available. It's manufactured from the car manufacturer's blueprint. Nobody else has that, even under license. Put any OEE offering against the genuine OEM product and the difference(s) will be clear to see, with rare exception.
There have been a lot of threads on here about insurance for 911’‘s....the issues with going with Admiral etc have been highlighted. I need a recplacemnt for my Macan Turbo PP, asked my broker the other day what the story is. Hiscox (who I am insured with) will let me choose any repairer, I just need to send them the bill and they will settle less the £100 excess. Admiral also don’t cover the cost of any options on your car in the case of a total loss, they will only pay out on the value of a base spec car.
Cheib said:
There have been a lot of threads on here about insurance for 911’‘s....the issues with going with Admiral etc have been highlighted. I need a recplacemnt for my Macan Turbo PP, asked my broker the other day what the story is. Hiscox (who I am insured with) will let me choose any repairer, I just need to send them the bill and they will settle less the £100 excess. Admiral also don’t cover the cost of any options on your car in the case of a total loss, they will only pay out on the value of a base spec car.
Hiscox is a premium product. Admiral is budget.
Glassman said:
Hiscox is a premium product.
Admiral is budget.
I would not say budget it's still a Defaqto 5 Star Rating product, just the windscreen issue is poor if the cars over 3 years old, it's a non issue if you talk to them on a car under 3 years.Admiral is budget.
then you have to way up costs you save over what you get from other providers as all try and skimp on a full loss.
So do you pay for high end cover and still get screwed on a full loss claim or do you pay for cheaper cover and also buy GAP and take the risk on windscreens.
hence I have 3 cars on Admiral and my 2 porkers with some one else. cheaper cars and windscreens I'll risk on my cheaper cars as to buya windscreen for a Mini or a golf is not that much, and for the mini I don't care if has oem or not.
Again most people buy cars on PCP and hand back the cars, so who cares what is fitted on a 2 year PCP deal !
If the cars are over 3 years old and you own them then that's when you look at what you are buying insurance wise and even then you don't really know as the main brands which cover high end cars are brokers ! so you have really no clue what you are buying anyway as they choose why to get the insurance from !
It's not black and white esp on full lost claims even with the main big boys esp on cars over 3 years old.
NFU as example are not as good as people say imo.
the BIG advantage with Admiral and it is a BIG advantage is NO tracker needed, that's a blessing for 4 big reasons.
Edited by Porsche911R on Wednesday 21st August 10:28
Cheib said:
I know. I think my point was/is that there’s more to insurance policies than price. I don’t think a lot of people really look at the cover.
Agree; I was just clarifying for the benefit of the Admiral-insured who might be scratching their head after ending up in a claim scenario. Admiral do a lot of business. It's all about numbers and this allows them to offer cheaper products. Suffice to say they will need to do a bit of pruning where possible. Over the years the approved repairer deal has changed so much that [in windscreen claims] the policyholder potentially pays more of a claim than the underwriter.
I work in the insurance industry for one of the biggest underwriters, and also own a windscreen replacement company.
I feel bad for the OP, but this is a lesson to everyone on choosing insurance based on what you need, and the service you receive, rather than cost. For a matter of a couple of hundred pounds,you will get night-and-day service and coverage differences.
If you can afford a 911, then get insurance through a decent broker who knows their stuff. If you do a multi-car policy with the rest of the family's cars it often works out cheaper anyway.
I feel bad for the OP, but this is a lesson to everyone on choosing insurance based on what you need, and the service you receive, rather than cost. For a matter of a couple of hundred pounds,you will get night-and-day service and coverage differences.
If you can afford a 911, then get insurance through a decent broker who knows their stuff. If you do a multi-car policy with the rest of the family's cars it often works out cheaper anyway.
Thought I'd update this thread as I was in a similar position to the OP.
A couple of weeks ago whilst doing the NC500 (fantastic experience, everyone should do it at least once) I got a chip in the windscreen on my 991.2 GTS which, by the time i got home, had developed into a crack halfway up the screen.
I'm also insured with Admiral so was expecting difficulty, but on phoning the Autoglass helpline I insisted that as the car was less than 2 years old, and still under warranty, I wanted a Porsche supplied screen to be fitted. I wasn't fussed about it being fitted at my OPC as I had already been told by the dealer that they get Autoglass in to do work anyway. The Autoglass rep didn't see my request as an issue, but said they'd have to refer the request to Admiral, and that it would take a few days for a decision. Two days later, I got a text from Autoglass advising me that the OEM screen had been approved, and that I should contact them to arrange a fitting appointment at their nearest depot.
Fast forward to this morning and I arrived at Autoglass to get the screen fitted. The first thing I asked was that it was definitely a Porsche screen, and they confirmed that it was, so I handed them the keys and waited - thank god for Netflix on the ipad as it was chucking it down outside so I didn't go out. 2 hours later my car was given back to me, and you wouldn't know a replacement screen had been fitted. I asked the fitter how it had gone, and he said it was straight forward. He also said he loves working with factory parts, as 'everything just fits, with no need to mess about and bend it into place' (his words, not mine). To be honest, I'm really happy with the job and all it's cost me is my excess.
Sure, Admiral may load the premium at next renewal, but if they get silly I'll just move insurers. I've checked their wording and my NCB is still in force, so I don't imagine I'll have difficulty getting a quote.
No real lessons to be learned, but just thought I'd share my experience on dealing with Admiral and Autoglass.
A couple of weeks ago whilst doing the NC500 (fantastic experience, everyone should do it at least once) I got a chip in the windscreen on my 991.2 GTS which, by the time i got home, had developed into a crack halfway up the screen.
I'm also insured with Admiral so was expecting difficulty, but on phoning the Autoglass helpline I insisted that as the car was less than 2 years old, and still under warranty, I wanted a Porsche supplied screen to be fitted. I wasn't fussed about it being fitted at my OPC as I had already been told by the dealer that they get Autoglass in to do work anyway. The Autoglass rep didn't see my request as an issue, but said they'd have to refer the request to Admiral, and that it would take a few days for a decision. Two days later, I got a text from Autoglass advising me that the OEM screen had been approved, and that I should contact them to arrange a fitting appointment at their nearest depot.
Fast forward to this morning and I arrived at Autoglass to get the screen fitted. The first thing I asked was that it was definitely a Porsche screen, and they confirmed that it was, so I handed them the keys and waited - thank god for Netflix on the ipad as it was chucking it down outside so I didn't go out. 2 hours later my car was given back to me, and you wouldn't know a replacement screen had been fitted. I asked the fitter how it had gone, and he said it was straight forward. He also said he loves working with factory parts, as 'everything just fits, with no need to mess about and bend it into place' (his words, not mine). To be honest, I'm really happy with the job and all it's cost me is my excess.
Sure, Admiral may load the premium at next renewal, but if they get silly I'll just move insurers. I've checked their wording and my NCB is still in force, so I don't imagine I'll have difficulty getting a quote.
No real lessons to be learned, but just thought I'd share my experience on dealing with Admiral and Autoglass.
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