Windscreen insurance cover

JahW

I have a vehicle where the windscreen sealant has failed and the windscreen is coming away around the edges In an attempt to do a temporary fix I tried to put sealant under and round the edge of the screen that has come away.  In doing so I've caused a a crack a few inches long on the left side edge low down.  It doesn't obscure my view but will fail the mot.  Does anyone know if something like this situation would be covered under my windscreen insurance ?

DullGreyGuy

You'd need to read the T&Cs of your policy but generally glass claims are outsourced to the likes of Autoglass and your insurer only find out about it at the end of the month when they get a list of policies claimed in that month and the value of the job on each. 

It'd be harsh to classify it as malicious damage, ill advised maybe but not intentional, and so it'd be equally unusual for the glass company to turn away free money by declining the claim

tedted

it wont fail the mot if it is where you say it is

JahW

Thanks for the replies.  I guess it was 'my fault' but it would seem unfair not to cover it.  I'll look at T&Cs as you suggest.

JahW

tedted said:

it wont fail the mot if it is where you say it is

As I say it's there's a line about 4" long out from the left hand edge looking from inside, in the lower left quarter of screen.  It seems to be the inner laminate but not the top one.  I thought the size would mean MOT failure.

Nobbie1967

JahW said:

Thanks for the replies.  I guess it was 'my fault' but it would seem unfair not to cover it.  I'll look at T&Cs as you suggest.

I broke my wife’s windscreen trying to change a wiper when the arm slipped out of my hand and hit the glass. Autoglass came and fixed it no questions asked, just a sly grin when they realised what I’d done. Just paid the £100 excess. Same when I jammed some wood in my car and closed the tailgate causing it to hit the windscreen and break it. You’ll be fine.

JahW

Nobbie1967 said:

JahW said:

Thanks for the replies.  I guess it was 'my fault' but it would seem unfair not to cover it.  I'll look at T&Cs as you suggest.

I broke my wife’s windscreen trying to change a wiper when the arm slipped out of my hand and hit the glass. Autoglass came and fixed it no questions asked, just a sly grin when they realised what I’d done. Just paid the £100 excess. Same when I jammed some wood in my car and closed the tailgate causing it to hit the windscreen and break it. You’ll be fine.

Thank you for that.  Sounds like it'll be ok.

facade

JahW said:

tedted said:

it wont fail the mot if it is where you say it is

As I say it's there's a line about 4" long out from the left hand edge looking from inside, in the lower left quarter of screen.  It seems to be the inner laminate but not the top one.  I thought the size would mean MOT failure.

https://www.gov.uk/guidance/mot-inspection-manual-for-private-passenger-and-light-commercial-vehicles/3-visibility

Check section 3.2 carefully.

The chances are that it will get worse though, and be leaking water where the sealant has failed, so you might as well change it and get the seal renewed

DullGreyGuy

JahW said:

Thanks for the replies.  I guess it was 'my fault' but it would seem unfair not to cover it.  I'll look at T&Cs as you suggest.

About half the claims insurers deal with are the fault of their insured and most cost a lot more than just a windscreen. Deliberate damage wont be covered and there can be some discussions around the most reckless of behaviours (eg drink driving) but just being an idiot generally is covered

JahW

Definitely qualify them 🙂. Thanks