Panoramic roof... Good idea??

[Deleted member 37751]

A panoramic roof is classed as a body panel, so your dad will either have to put an insurance claim in or suck it up and pay for it out of his own pocket.

 

[Rashman]

Hey dude, really sorry to hear what happened. Hope you get it sorted without too much hassle..

Cheers bud.

At the moment, I am more bothered about it than he is.
But I know that he will want it sorted once it's sunk in so I'll let you know how it goes.

 

[Rashman]

A panoramic roof is classed as a body panel, so your dad will either have to put an insurance claim in or suck it up and pay for it out of his own pocket.

Hey Lee

Hmm, this would be annoying and disappointing if this is the case.

Thanks for the heads-up.

 

[Piff]

That's rotten lunch Rashman, it would be interesting to know what caused that

Do you think it was the "rotten lunch" which caused it

 

[sjmaxwell]

I would have thought it would depend on whether the insurance cover states "windscreen" or "glass" cover and if the exceptions specify that the roof is a body panel.

As you appear to have an impact point I would guess that a stone flew up from in front and landed on it. I remember years ago seeing a building site lorry in the distance in front of me and then hearing a sharp crack on my cars metal roof which on inspection was a stone which had gone through all the paint layers, so it does sometimes happen that they travel from quite some distance! What goes up must come down

 

[Satch]

This is what the t&c of my policy says:

Windscreen damage

What is not covered:

"To repair or replace sunroofs or any other glass forming part of your car"

So it is a full claim under the policy or nothing.

 

[sjmaxwell]

This is what the t&c of my policy says:

Windscreen damage

What is not covered:

"To repair or replace sunroofs or any other glass forming part of your car"

So it is a full claim under the policy or nothing.

Sorry :-(

 

[pstock]

My insurance policy states

"Section D - Windscreen and Window Damage
 Comprehensive cover includes windscreen damage. Replacement of broken glass
and repairs to bodywork caused by the window breaking will freeze your No Claims
Discount for a year. Repairs to glass will not affect your No Claims Discount.
 No limit on cost if you use our approved windscreen repairer. If you do not use our
approved windscreen repairer there is a limit of £100 for a replacement and £50 for
a repair.
 If your windscreen is repaired rather than replaced, there will be no excess to pay. "

I'm with AXA

 

[sjmaxwell]

My insurance policy states

"Section D - Windscreen and Window Damage
 Comprehensive cover includes windscreen damage. Replacement of broken glass
and repairs to bodywork caused by the window breaking will freeze your No Claims
Discount for a year. Repairs to glass will not affect your No Claims Discount.
 No limit on cost if you use our approved windscreen repairer. If you do not use our
approved windscreen repairer there is a limit of £100 for a replacement and £50 for
a repair.
 If your windscreen is repaired rather than replaced, there will be no excess to pay. "

I'm with AXA

Interesting - you may be covered although it might involve a fight with the insurance company !

 

[Satch]

My insurance policy states

"Section D - Windscreen and Window Damage
 Comprehensive cover includes windscreen damage. Replacement of broken glass
and repairs to bodywork caused by the window breaking will freeze your No Claims
Discount for a year. Repairs to glass will not affect your No Claims Discount.
 No limit on cost if you use our approved windscreen repairer. If you do not use our
approved windscreen repairer there is a limit of £100 for a replacement and £50 for
a repair.
 If your windscreen is repaired rather than replaced, there will be no excess to pay. "

I'm with AXA

Is that what is what the detailed T&C of your AXA Motor insurance says, or the policy summary?

You need to be very careful, because this is what they have on their website as current T&C:

We will pay:

To repair or replace broken glass in your car's windscreen (including panoramic windscreens) or windows, and any scratching to the bodywork caused solely and directly by broken glass from a broken windscreen or window.


We will not pay:

2. to repair or replace any other glass forming part of your car including sunroofs, panoramic roofs or panoramic sunroofs, where the roof glass is a separate unit to the windscreen glass.

So, "panoramic windscreen" yes, panoramic roof or sunroof no.

http://www.axainsurance.com/car/policy-wording/2_1_102_CarPolicyWording.pdf

 

[Rashman]

Ok,

So I had a good look at my dad's roof and I don't actually believe it was struck by a projectile.

The cracking is very strange and there is no conclusive point of impact.

The sound it made when it shattered was also alittle strange. More of a pop than your usual windscreen-strike sound.

Dad took the car to MB.

They spent a good while (nearly an hour) looking over it and compiling reports.

Interestingly, they also don't believe the glass was struck by a projectile and confirmed that there doesn't seem to be a point of contact.

They are sending their report off to MB UK with a view to having this glass section changed under good will.

Insurance,

Interestingly, they confirmed that this section of glass IS covered under the windscreen cover.

Policy book also states "....to repair or replace broken glass in Your Car’s windscreen, windows or sunroof"

He is insured with admiral.

Admiral even rang through to national windscreens to check this and NW confirmed that it IS covered. They even wanted to book it in to do the replacement.

Awaiting word from MB...

 

[Deleted member 55947]

Could it be heat expansion possibly? Though MB are never going to admit to that

 

[Rashman]

Could it be heat expansion possibly? Though MB are never going to admit to that

Funnily enough, this is what we were left thinking.

Air-con on in the car (on lowest temperature setting) and blazing heat beating down on the car

Perhaps coupled with a bump on the road to provoke flex across the roof

You wouldn't think it would cause this to happen but it got us thinking nonetheless.

 

[Deleted member 55947]

Any slight flaw in glass or the fitting of it can cause trouble when either it's too hot or too cold

 

[Rashman]

Any slight flaw in glass or the fitting of it can cause trouble when either it's too hot or too cold

Yes, true.

And possibly even more so when one side of the glass is cold and then other side hot!

I'm interested to see what MB come back with..

 

[sjmaxwell]

I've wondered how laterally strong a pillarless car is with the pano roof and certainly my experience of squeaks and rattles in my old E Coupe would suggest there is a bit of movement going on, so I guess a combination of factors could cause this but it cant be common otherwise people in LA would be up in arms or does Mercedes not offer this roof as an option in USA?

 

[joecash]

i used to like sun roofs and pano roofs - now, in the days of aircon and climate control i cant see the point, just something to go wrong

 

[jeremy 2516]

Doesn't cold air sink ?

Just sayin' !

Hope you get it fixed.

 

[Deleted member 37751]

Dad's seems rather un-phased by it, saying "doesn't matter. Insurance can deal with it".

They are sending their report off to MB UK with a view to having this glass section changed under good will.

Interestingly, they confirmed that this section of glass IS covered under the windscreen cover.

Everything will be ok in the end, if it's not ok; it's not the end...

Sounds like your old man is a live and let live kind of guy.

 

[Rashman]

Sounds like your old man is a live and let live kind of guy.

He's quite a few other things too, I'm afraid