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  • FIRST POST
    • londoner2009
    • By londoner2009 7th Sep 10, 11:45 AM
    • 67Posts
    • 8Thanks
    londoner2009
    Patio Doors - Glass Shattered
    • #1
    • 7th Sep 10, 11:45 AM
    Patio Doors - Glass Shattered 7th Sep 10 at 11:45 AM
    We woke to find the outer pane in one of the Patio doors in our living room shattered - looked up some stuff on the internet and several websites say that this is a known problem with toughened glass and that they can shatter all by themselves at anytime.

    Anyone have any idea of a likely replacement cost or recomend a company within North West London (Zone 5 on Underground Area).

    http://i53.tinypic.com/10rvlg9.jpg

    Anyone thing this will be a problemt o claim on house insurance without any real cause?

    Home is covered for building but not contents, the door not on the otuside of the house but between the main house and the extension.
Page 1
    • McKneff
    • By McKneff 7th Sep 10, 1:42 PM
    • 36,283 Posts
    • 46,762 Thanks
    McKneff
    • #2
    • 7th Sep 10, 1:42 PM
    • #2
    • 7th Sep 10, 1:42 PM
    You really should have contents insurance, flood, fire, etc, etc. Ask for a combined quote and you should get a reasonable deal.

    I can never understand why people dont have it. Youre whole life could go up in flames and you would have nothing but the clothes you stand in.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
    • londoner2009
    • By londoner2009 7th Sep 10, 1:43 PM
    • 67 Posts
    • 8 Thanks
    londoner2009
    • #3
    • 7th Sep 10, 1:43 PM
    • #3
    • 7th Sep 10, 1:43 PM
    Yeah the insurance excess is about 75 and one quote we had was for 500 to have the glass replaced. I don't know if this is excessive and what would be involved normally.

    Hardly anyone goes past the area where the door is - all we use that area for is storing food.

    There is plenty written online about glass just shattering by itself

    Spontaneous glass breakage

    http://en.wikipedia.org/wiki/Spontaneous_glass_breakage

    http://mimosa.com.sg/site/glass/Spontaneous%20Breakages.htm

    http://pentagonprotection.com/home/commercial/spontaneous-glass-failure.aspx

    http://www.abcb.gov.au/index.cfm?objectID=CBA92AB3-DB0E-11DE-B1DD001143D4D594
    • phill99
    • By phill99 7th Sep 10, 2:22 PM
    • 8,271 Posts
    • 7,467 Thanks
    phill99
    • #4
    • 7th Sep 10, 2:22 PM
    • #4
    • 7th Sep 10, 2:22 PM
    It could easily have been a weak pint in the glass. The trauma could have happened years ago and its just decided to go now. Your buildings insurance is the best bet.

    McKneff is right - you should have contents insurance. Premiums cost from about 100 for basic cover. Thats mothinh compared with the likely loss.
    Eat vegetables and fear no creditors, rather than eat duck and hide.
    • londoner2009
    • By londoner2009 7th Sep 10, 2:42 PM
    • 67 Posts
    • 8 Thanks
    londoner2009
    • #5
    • 7th Sep 10, 2:42 PM
    • #5
    • 7th Sep 10, 2:42 PM
    Yes we looked into the whole contents insurance thing yesterday .. the house is actually my father's house and he's handled the insurance for all these years and by the looks of it the insurance company has been ripping him off for years - almost 500 a year for buildings only insurance for a 3 bedroom house in London.

    I went on the price comparison websites and managed to find many policies that covered both contents and building from 100 to 200 per year.

    He's in his 70's and never told the rest of us what he pays so we had no idea how many he was getting ripped off. He's been with the same company for 20 to 30 years+

    Is claiming for the door likely to put up the price of future quotes from other companies?

    Any ideas of likely price range for the glass to be replaced?

    We're looking at switching insurance companies but my father is worried that claiming for the door now will push up his premiums with other companies in the future.
    • McKneff
    • By McKneff 7th Sep 10, 3:14 PM
    • 36,283 Posts
    • 46,762 Thanks
    McKneff
    • #6
    • 7th Sep 10, 3:14 PM
    • #6
    • 7th Sep 10, 3:14 PM
    If he's paying 500 annually now, they are ripping him off.

    If you can shop around for say 200 and because of the incident, it will be say 250, he will be 250 into pocket,
    Explain that to him
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • ormus
    • #7
    • 7th Sep 10, 6:20 PM
    • #7
    • 7th Sep 10, 6:20 PM
    phone around always. ive now got buildings and contents cover for about 250 quid.
    when i threatened to leave RBS (after ten years) they price matched the cheapest quote i got.
    Get some gorm.
    • cojoba
    • By cojoba 22nd Feb 11, 8:20 AM
    • 15 Posts
    • 0 Thanks
    cojoba
    • #8
    • 22nd Feb 11, 8:20 AM
    • #8
    • 22nd Feb 11, 8:20 AM
    Hello, I take out buildings and contents insurance every year, as well as Home Emergency Cover, and I always read the small print.

    Just wanted to let everyone know that I tried to make a claim (my first one in over 25 years) as my locks on my patio door have broken and the glass has just developed misting between the glass, and they advised that I am not covered at all. I asked why and they said misting is wear and tear, and broken locks comes under 'maintenance'.

    I wanted to ask if anyone else has ever had the same problem and been told this, or if anyone has ever got a new patio door on their insurance?

    I am very unhappy, and makes me question as to whether it is worth having insurance at all!
    • macman
    • By macman 22nd Feb 11, 8:56 AM
    • 42,794 Posts
    • 18,041 Thanks
    macman
    • #9
    • 22nd Feb 11, 8:56 AM
    • #9
    • 22nd Feb 11, 8:56 AM
    Yes, of course it's wear and tear. How old is the door? The misting is not caused by damage, but by age-related failure of the seals, and the locks have presumably also failed due to wear after some years. This is not what insurance is supposed to be for-it''s to cover deliberate or accidental damage.
    Using your logic, you would expect your insurers to pay for a new roof when it wears out after 50 years or so?
    No free lunch, and no free laptop
  • ormus
    ps
    just renewed my insurance for tomorrow. buildings and contents for 167 quid!
    played 3 insurance companies off agin each other.
    result.
    Get some gorm.
    • ic
    • By ic 22nd Feb 11, 10:01 AM
    • 2,614 Posts
    • 1,336 Thanks
    ic
    Since when did buildings cover only insure the exterior of the property?

    Buildings insurance covers all parts of the building - including doors, walls, floors, ceilings and fixtures such as fitted kitchen and bathroom. Contents insures anything that can be taken away from the home - furniture, carpets, electronics, pictures, curtains, mirrors, clothes, etc. Claim on your insurance.
  • ormus
    check your excess first. small claims are not worth it.
    excess is typically 100-500 quid. so anthing less than say 1k is doubtful.

    try getting a decent quote next year if youve had a claim.
    Get some gorm.
  • Irvin01
    You need not worry if your patio glass has broken it can always be repaired, there are lots of professionals in this regard who will help you fix any problem reagrding the patio doors, or instead one can even buy a brand new patio door as the prices have come down due to excess demand, the quality of the patio doors is also good these days. There is a wide collection of patio doors in the market.
    • 27col
    • By 27col 20th May 11, 5:51 PM
    • 6,446 Posts
    • 4,215 Thanks
    27col
    You need not worry if your patio glass has broken it can always be repaired, there are lots of professionals in this regard who will help you fix any problem regarding the patio doors, or instead one can even buy a brand new patio door as the prices have come down due to excess demand, the quality of the patio doors is also good these days. There is a wide collection of patio doors in the market.
    Originally posted by Irvin01
    Well actually, glass cannot be easily repaired, but it can be easily replaced.
    I can afford anything that I want.
    Just so long as I don't want much.
    • capeverde
    • By capeverde 20th May 11, 6:37 PM
    • 604 Posts
    • 366 Thanks
    capeverde
    just paid 32.80 per sq m for 28mm toughened double glazed units. Im not in your area, but you can do the maths. Fitting them in upvc is a 30 minute job maximum. If its aluminium, they are box glazed and can take a good few hours.
    • docmatt
    • By docmatt 20th May 11, 7:13 PM
    • 890 Posts
    • 459 Thanks
    docmatt
    You need not worry if your patio glass has broken it can always be repaired
    Originally posted by Irvin01
    If you can repair a toughened glass sealed unit thats in 4 million sections then you can come and work for me. You'll make me a millionaire mate.
    • Dippypud
    • By Dippypud 20th May 11, 10:27 PM
    • 1,755 Posts
    • 16,860 Thanks
    Dippypud
    If you can repair a toughened glass sealed unit thats in 4 million sections then you can come and work for me. You'll make me a millionaire mate.
    Originally posted by docmatt
    I'll bet your Mum told you thousands of times not to exeggerate.
    C.R.A.P.R.O.L.L.Z # 40 spanner supervisor.
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    Only after the last tree has been cut down. Only after the last fish has been caught. Only after the last river has been poisoned. Only then will you realize that money cannot be eaten.
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