Broken sunroof and insurance - wazza
some lowlife put a brick through the sunroof of my mondeo. i have comp insurance with norwich union. have rang the customer centre twice. twice because they are based in india the the first person was unsure. the second person says the sunroof is not covered under windscreen cover. it will be treated as a seperate claim whose excess is £175.

are they correct?

on my policy document it says windscreen/window/sunroof is covered and will not affect the no claims bonus. However it does not say what the excess is for sunroof.

has anyone had experience with a broken sunroof and insurance
Broken sunroof and insurance - bell boy
wazza i havent a clue with regards the insurance but...........most fords work on cassette type sunroof fitment, therefore if you have to pay the excess yourself then it may be cheaper to source a s/h sunroof and fit it yourself.Sorry dont know any more.
Broken sunroof and insurance - pmh
I would be more concerned about NCD if it is not included in glass cover.

IIRC somebody has sucessfully claime for a headlamp under glass cover in the past. But maybe the policy has been tightened up with specific wording.

Your policy document determines what is/not covered. I would be VERY surprised if sunroof and windscreen have different excess.


--

pmh (was peter)


Broken sunroof and insurance - Fullchat
Is windscreen cover intended to cover accidental damage only? ie stones getting thrown up from the road. There is not a loss of NCB on a windscreen claim.
You have reported the matter as Criminal Damage which is no different to theft of say the radio or someone damaging the paintwork. For that you woukd pay the excess and potentially loose NCB or be loaded next year.
--
Fullchat
Broken sunroof and insurance - wazza
thanks for the replies

have rang some breakers yard and the price ranges from 40 to 60 pounds.

unfortunately the insurance customer service seems to be unclear what excess applies to the sunroof.

anyone know how hard is it to replace a sunroof on a mondeo. hate the idea of removing the head lining.

Broken sunroof and insurance - AR-CoolC
I've replaced many sunroofs on customers insurance, but as you've said it can vary from policy to policy, but I'm pretty sure NU usually cover them.

If you do decide to replace it your self, its just 6 torx screws, three each side. Move the roof to the tilt position, and you'll see the back ones, the ones towards the front are a bit more fiddly but still doable. undo the six screws lift out the roof, you'll then need to get lots of small bits of glass out of the mechanism and sun blind.

Assembley is reverse of removal (in a Haynes stylee)
Broken sunroof and insurance - wazza
I've replaced many sunroofs on customers insurance, but as you've said
it can vary from policy to policy, but I'm pretty sure
NU usually cover them.
If you do decide to replace it your self, its just
6 torx screws, three each side. Move the roof to the
tilt position, and you'll see the back ones, the ones towards
the front are a bit more fiddly but still doable. undo
the six screws lift out the roof, you'll then need to
get lots of small bits of glass out of the mechanism
and sun blind.
Assembley is reverse of removal (in a Haynes stylee)


thanks for the reply. am i right that the headlining does not need to come off? on what page does the info appear on haynes manual

thanks in advance
Broken sunroof and insurance - L'escargot
am i right that the headlining does
not need to come off? on what page does the
info appear on haynes manual


If, as AR-CoolC says, it only requires 6 readily accessible bolts/screws to be removed why not just try it before you get a new one? You can always put it back if you think you're getting out of your depth, or if you don't wish to proceed further.
--
L\'escargot.
Broken sunroof and insurance - PhilW
One of my proudest moments on a cricket pitch was when I managed to hit a magnificent straight six out of the ground, over the trees and onto the road and straight through the sunroof of a Mondeo (OK, I slogged it and it was a short boundary and the trees were newly planted!). The owner of the car was surprisingly good natured when we went to ask for our ball back and said he would claim it on his insurance - except that a few days later he came back and said it would cost him his no-claims and was therefore rather expensive. Cricket club had to cough up £200 (on its insurance). The next week a teammate did the same to another teammate's sunroof in the carpark at other end of ground. Insurance refused to cough up again and we had a whip-round to pay the £200ish to save his no-claims!
--
Phil
Broken sunroof and insurance - Red Baron
That's very generous of your team.

If the owner of the first car had parked near to the crease would he have claimed off yourselves for bat damage too??

For goodness sake. It's a cricket ground. There are balls in the air.
Broken sunroof and insurance - Altea Ego
For goodness sake. It's a cricket ground. There are
balls in the air.


Exactly, unless the bloke arrived there by accident and was asking the way out again I would tell him to naff off.

To claim money like that you have to prove blame or negligence.

------------------------------
TourVanMan TM < Ex RF >
Broken sunroof and insurance - Dipstick
Isn't the implication in the first instance that the driver was on a public road, where he has every right not to expect a ball through the roof, and the ball was hit out of the ground? In which case the club is liable for not adequately preventing such an occurrence I would have thought, hence the payout.

In the second instance, the car was on the cricket club grounds, so yes, the insurance company took the "for heaven's sake" attitude.

Hard to be absolutely certain from the detail posted, so apologies for any misreading on my part.
Broken sunroof and insurance - tr7v8
Reminds me of years ago flying model aircraft, guy crashes on the bonnet of a capri, whilst it's parked. Problem is it's his own near new car! Tried to claim & got told to go away as you can't be your own 3rd Party!
Broken sunroof and insurance - PhilW
Dipstick is pretty spot on as far as I remember. Strange thing is, the Mondeo owner was always moaning to the club about balls landing in his front garden (and one through his front bay window!) yet the club had been there for about 50 years before his house was even built and about 100 years before he bought it - to park on the road "at long off" on a saturday afternoon was a daft thing to do especially since he had a long drive (shielded by the house) with a garage. It was cheaper for the club to cough up for the odd window, and even more odd sunroof than erect a huge fence at the cost of thousands. Teammate (as far as I remember) was parked "at his own risk" on private land(?) so was not covered - sign at carpark said "cars parked at owner's risk".
Anyway, from what I remember, most of our whip-round went back over the bar buying us pints for being so generous!!
--
Phil
Broken sunroof and insurance - wazza
AR-CoolC thanks for the reply. am i right in saying i do not have to remove the headlining?

you mentioned haynes manual - what page?
Broken sunroof and insurance - AR-CoolC
No the headlining doesn't need to come out just the 6 screws.

The Haynes referenece was just a thing about putting it back together in the reverse order of removing it, sorry for the confusion.
 

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