Member Since: 09 Apr 2006
Location: London
Posts: 11412
Definition of a 'Sunroof'
If an insurance company were to say that cracked or broken glass in a sunroof is not covered, would this include the roof glass?
I've checked online for sunroof definitions, and everywhere I've checked says that a sunroof is 'a sliding or raisable panel' - which the glass roof is not. But is it a 'window'? Disco 5 HSE Lux
https://www.youtube.com/watch?v=peyiqaJrmMU
16th Jul 2009 3:34 pm
ad15
Member Since: 14 Dec 2008
Location: up that tree
Posts: 4866
i'd say it's a window, or ask TLO what they'd call it.
also worth noting that it would need to be "sunny" to be called a sunroof, rainroof's all you need down here.. one wife.......livid
16th Jul 2009 3:36 pm
DiscoStu
Member Since: 09 Apr 2006
Location: London
Posts: 11412
I could ask TLO, but not sure an insurance company would accept his word, even considering the 'God-like' being that he is
Member Since: 06 May 2005
Location: Y...... because I can
Posts: 10441
All glass is covered is it not
Got my glass roof changed by ins company.In the Beginning there was nothing, which exploded.
16th Jul 2009 3:44 pm
DiscoStu
Member Since: 09 Apr 2006
Location: London
Posts: 11412
Quote:
What is covered
We will:
• pay the cost of repair or replacement of damaged or broken glass in the windscreen or
windows of your car and any scratching to the bodywork caused by the broken glass,
as long as there has not been any other loss or damage.
Claims made under this section will not affect your no claim discount.
What is not covered
• The windscreen excess shown in your Schedule, unless the glass is repaired and
not replaced.
• Any amount over £100 for each incident, unless the repair or replacement is carried out by
our recommended windscreen specialists who are Autoglass.
• Damaged or broken glass in sunroofs.
• Replacement of the hood/roof structure of a convertible or cabriolet vehicle.
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73079
Which insurance co??? Name and shame them! I don't pay any attention normally as have 2 peasant D3s with tin roofs.
16th Jul 2009 3:50 pm
DiscoStu
Member Since: 09 Apr 2006
Location: London
Posts: 11412
No naming and shaming - I haven't contacted them yet. They may be fine with it, just want to be able to have a prepared response when the inevitable happensDisco 5 HSE Lux
https://www.youtube.com/watch?v=peyiqaJrmMU
16th Jul 2009 3:52 pm
AndrewS Tarquin of the Desert
Member Since: 06 May 2005
Location: Y...... because I can
Posts: 10441
So how did you break it Fatty In the Beginning there was nothing, which exploded.
16th Jul 2009 3:52 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73079
DiscoStu wrote:
No naming and shaming - I haven't contacted them yet. They may be fine with it, just want to be able to have a prepared response when the inevitable happens
Or leave it til your next insurer who will cover it, were you to have a problem which you haven't, hypothetically. If the present one specifically excludes it, they won't say yes if you are nice to them on the phone. So says Mrs DSL, ex loss adjuster!!! She does stress your enquiry was hypothetical!
16th Jul 2009 3:59 pm
DiscoStu
Member Since: 09 Apr 2006
Location: London
Posts: 11412
AndrewS wrote:
So how did you break it Fatty
Reckon it was that poxy Rockingham place, terrible customer service, blah, blah blah......
Found a stone about 4mm across jammed between the roof rail and the glass. I suspect it did break at Rockingham when the car may have been 'twisting' more than usual, but don't know for sure. I believe the stone came off of my house roof during the heavy rain recently - found the bonnet covered in 'gutter clearance' a little while back, which was very similar Disco 5 HSE Lux
https://www.youtube.com/watch?v=peyiqaJrmMU
16th Jul 2009 4:05 pm
DiscoStu
Member Since: 09 Apr 2006
Location: London
Posts: 11412
DSL wrote:
Or leave it til your next insurer who will cover it,
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15263
DiscoStu wrote:
Quote:
What is covered
We will:
• pay the cost of repair or replacement of damaged or broken glass in the windscreen or
windows of your car and any scratching to the bodywork caused by the broken glass,
as long as there has not been any other loss or damage.
Claims made under this section will not affect your no claim discount.
What is not covered
• The windscreen excess shown in your Schedule, unless the glass is repaired and
not replaced.
• Any amount over £100 for each incident, unless the repair or replacement is carried out by
our recommended windscreen specialists who are Autoglass.
• Damaged or broken glass in sunroofs.
• Replacement of the hood/roof structure of a convertible or cabriolet vehicle.
It's not a sunroof - Oxford Concise definition here:
sunroof: noun - a panel in the roof of a car which can be opened for extra ventilation.
does your roof panel do that?
I reckon it's a window [just like the front, side and rear] but this is a wndow on the roof.
The policy covers the windows on your car....... always on the road less travelled 🚧
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She does stress your enquiry was hypothetical! 
