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Definition of a 'Sunroof'
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DiscoStu
 


Member Since: 09 Apr 2006
Location: London
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England 
Definition of a 'Sunroof'

If an insurance company were to say that cracked or broken glass in a sunroof is not covered, would this include the roof glass?

I've checked online for sunroof definitions, and everywhere I've checked says that a sunroof is 'a sliding or raisable panel' - which the glass roof is not. But is it a 'window'? Confused
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Post #49650016th Jul 2009 3:34 pm
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ad15
 


Member Since: 14 Dec 2008
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United Kingdom 2005 Discovery 3 TDV6 SE Manual Tonga GreenDiscovery 3

i'd say it's a window, or ask TLO what they'd call it.

also worth noting that it would need to be "sunny" to be called a sunroof, rainroof's all you need down here.. Whistle
 one wife.......livid  
Post #49650116th Jul 2009 3:36 pm
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DiscoStu
 


Member Since: 09 Apr 2006
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I could ask TLO, but not sure an insurance company would accept his word, even considering the 'God-like' being that he is Wink

I'm after some insider insurance knowledge Thumbs Up
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Post #49650616th Jul 2009 3:41 pm
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AndrewS
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All glass is covered is it not Question

Got my glass roof changed by ins company.
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Post #49650716th Jul 2009 3:44 pm
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DiscoStu
 


Member Since: 09 Apr 2006
Location: London
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Quote:
What is covered

We will:

• pay the cost of repair or replacement of damaged or broken glass in the windscreen or
windows of your car and any scratching to the bodywork caused by the broken glass,
as long as there has not been any other loss or damage.
Claims made under this section will not affect your no claim discount.

What is not covered

• The windscreen excess shown in your Schedule, unless the glass is repaired and
not replaced.
• Any amount over £100 for each incident, unless the repair or replacement is carried out by
our recommended windscreen specialists who are Autoglass.
• Damaged or broken glass in sunroofs. Mad
• Replacement of the hood/roof structure of a convertible or cabriolet vehicle.
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Post #49650816th Jul 2009 3:47 pm
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DSL
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Which insurance co??? Name and shame them! I don't pay any attention normally as have 2 peasant D3s with tin roofs. Whistle
   
Post #49650916th Jul 2009 3:50 pm
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DiscoStu
 


Member Since: 09 Apr 2006
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No naming and shaming - I haven't contacted them yet. They may be fine with it, just want to be able to have a prepared response when the inevitable happens
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Post #49651016th Jul 2009 3:52 pm
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AndrewS
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So how did you break it Fatty Rolling with laughter Rolling with laughter Rolling with laughter
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Post #49651116th Jul 2009 3:52 pm
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DSL
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DiscoStu wrote:
No naming and shaming - I haven't contacted them yet. They may be fine with it, just want to be able to have a prepared response when the inevitable happens


Or leave it til your next insurer who will cover it, were you to have a problem which you haven't, hypothetically. If the present one specifically excludes it, they won't say yes if you are nice to them on the phone. So says Mrs DSL, ex loss adjuster!!! Evil or Very Mad She does stress your enquiry was hypothetical! Whistle
   
Post #49651216th Jul 2009 3:59 pm
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DiscoStu
 


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AndrewS wrote:
So how did you break it Fatty Rolling with laughter Rolling with laughter Rolling with laughter


Evil or Very Mad

Reckon it was that poxy Rockingham place, terrible customer service, blah, blah blah...... Rolling Eyes Laughing

Found a stone about 4mm across jammed between the roof rail and the glass. I suspect it did break at Rockingham when the car may have been 'twisting' more than usual, but don't know for sure. I believe the stone came off of my house roof during the heavy rain recently - found the bonnet covered in 'gutter clearance' a little while back, which was very similar Rolling Eyes
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Post #49651616th Jul 2009 4:05 pm
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DiscoStu
 


Member Since: 09 Apr 2006
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DSL wrote:
Or leave it til your next insurer who will cover it,


Already considered that Whistle Wink
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Post #49651816th Jul 2009 4:06 pm
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DiscoStu
 


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DiscoStu wrote:
I suspect it did break at Rockingham when the car may have been 'twisting' more than usual, but don't know for sure.


Thinking about it, just as likely happened going over all the speed humps round here Mad
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Post #49652116th Jul 2009 4:13 pm
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AndrewS
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DiscoStu wrote:
DiscoStu wrote:
I suspect it did break at Rockingham when the car may have been 'twisting' more than usual, but don't know for sure.


Thinking about it, just as likely happened going over all the speed humps round here Mad


Or when that silverback jumped up onto the roof. Whistle Whistle Whistle
 In the Beginning there was nothing, which exploded.  
Post #49652216th Jul 2009 4:14 pm
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DiscoStu
 


Member Since: 09 Apr 2006
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Well, in that state it couldn't climb that high - and even if it had it would have fallen right through Laughing
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Post #49652316th Jul 2009 4:16 pm
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ronp
 


Member Since: 29 Nov 2006
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DiscoStu wrote:
Quote:
What is covered

We will:

• pay the cost of repair or replacement of damaged or broken glass in the windscreen or
windows of your car and any scratching to the bodywork caused by the broken glass,
as long as there has not been any other loss or damage.
Claims made under this section will not affect your no claim discount.

What is not covered

• The windscreen excess shown in your Schedule, unless the glass is repaired and
not replaced.
• Any amount over £100 for each incident, unless the repair or replacement is carried out by
our recommended windscreen specialists who are Autoglass.
• Damaged or broken glass in sunroofs. Mad
• Replacement of the hood/roof structure of a convertible or cabriolet vehicle.


It's not a sunroof - Oxford Concise definition here:
sunroof: noun - a panel in the roof of a car which can be opened for extra ventilation.
does your roof panel do that?

I reckon it's a window [just like the front, side and rear] but this is a wndow on the roof.
The policy covers the windows on your car.
 🏴󠁧󠁢󠁳󠁣󠁴󠁿  
Post #49652816th Jul 2009 4:35 pm
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