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Just a curious as i had a branch hit roof,no damage but obviously we have windscreen cover ,but with many cars now having panoramic glass sunroofs.What is the procedure if damage was to happen, resulting in repair or replacement?
Thanks in advance
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I don’t know for certain, but my guess is that if it isn’t covered under windscreen cover then it would be treated the same way as any other accident damage?
No windscreen/gass cover doesn’t cover a glass roof. Its also not to be taken for granted insurance would cover it in all incidencies. Although I would expect RSA or Direct Line when they take over next year on scheme cars.
Something to ask your insurer if anyone got a private car with glass roof, as it seems some do some don’t.
On the Motability handbook, there is a section on sunroof/glass roof damage which mentions contacting RSA, so I am guessing they will repair it on a case by case basis pending excess.
No windscreen/gass cover doesn’t cover a glass roof. Its also not to be taken for granted insurance would cover it in all incidencies. Although I would expect RSA or Direct Line when they take over next year on scheme cars. Something to ask your insurer if anyone got a private car with glass roof, as it seems some do some don’t.
If it was just a crack I can see them giving you the option to live with it (as they do with accident damage), but if it’s letting in water then they’d obviously have to authorise a repair. The customer would then have to pay the accident excess.
im not keen on the panoramics, or sunroofs tbh. i know the tin roof isnt much but it gives me more of a sense of security. the costs too are a worry
Current Car: Hyundai Kona Premium EV...2 way 40kg hoist
Last Car: Toyota C-HR Excel Hybrid...4 way 80kg hoist
I do like them but being tall often they eat into the head room.
I would say it’s covered by the insurance and pretty much like if any branch was to hit the car and did damage to it you’d have to pay the excess, if it needs repairs and is not covered under the wear and tear polices mb have. Like if it left a small scratch or dent on the bonnet or wing it would be ok but a big dent or scratch down to the metal, it would need to be repaired.
All Windows are covered by insurance so will the PR. If it’s a factory fitted option, it will be covered by insurance, unless it states otherwise. Like anything you leave in a mb is not covered, Yet on my private policy anything up to a certain amount is. So you could look in the insurnce booklet or call and ask them.
Say it wasn’t factory fitted and it was fitted after you’d have to tell them it had a PF of SF or the insurance could be invalidated. So i don’t see why it would not be covered and maybe at a highER premium than a model without a PR or SR.
If it was cracked it would need to be repaired as it could leak or explode and the panoramic sunroof is designed to contribute to the structural integrity of the vehicle but it won’t offer the support of a conventional roof. So that’s a big issue in a crash if it had a crack in it already.
No windscreen/gass cover doesn’t cover a glass roof. Its also not to be taken for granted insurance would cover it in all incidencies. Although I would expect RSA or Direct Line when they take over next year on scheme cars. Something to ask your insurer if anyone got a private car with glass roof, as it seems some do some don’t.
If it was just a crack I can see them giving you the option to live with it (as they do with accident damage), but if it’s letting in water then they’d obviously have to authorise a repair. The customer would then have to pay the accident excess.
Not sure mate, although what you say makes sense, when I looked online there were a few sites saying different?
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