Sunroof Explodes on my wife's 2014 Nissan Rogue

[ShermanEF9]

If you insure the windshield it's a lot. Everything but it's pretty cheap.

[dirtsniffer]

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How much is your glass coverage? I was told it's a lot (more than I can afford pal) then I didn't bother to pursue further.

the quote I got was $250 a year

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$0. I have glass coverage insurance.

Do you know how much it would have been if you had to pay out of pocket?

[lilmira]

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If you insure the windshield it's a lot. Everything but it's pretty cheap.

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the quote I got was $250 a year

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Do you know how much it would have been if you had to pay out of pocket?

Hm, the guy probably misunderstood me but I specifically mentioned my concern with the sunroof. Oh well.

[rage2]

Mine was $50/year. It used to be $300/year but for whatever reason it dropped significantly for both my cars.

As for out of pocket, no clue. Invoice showed nothing.

[Masked Bandit]

Through your regular auto insurance you can't insure the sunroof and not the windshield, it's all glass or nothing. The cost will vary from car to car and policy to policy but don't forget to factor in your deductible.

[ShermanEF9]

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Through your regular auto insurance you can't insure the sunroof and not the windshield, it's all glass or nothing. The cost will vary from car to car and policy to policy but don't forget to factor in your deductible.

interesting. last time i asked about it, they said it was only all other glass. should i ask questions?

[s2k_boi]

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interesting. last time i asked about it, they said it was only all other glass. should i ask questions?

Same here...was also told that every glass was covered excluding the windshield.

[Masked Bandit]

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interesting. last time i asked about it, they said it was only all other glass. should i ask questions?

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Same here...was also told that every glass was covered excluding the windshield.

The SEF 13D - Limited Glass endorsement is what you'll see on your policy. The public (and a lot of insurance people) commonly refer to this as the removal of windshield coverage but the more accurate description is the removal of accidental breakage of glass which of course 999 times out of 1000 are rock chips & cracks to your windshield. When was the last time you heard of someone getting a rock chip on a side window? Not impossible but not likely either. So, most people just call it windshield coverage (or removal thereof). If you have the 13D endorsement and someone smashes a side window in an act of vandalism it's not accidental so it's still covered, subject to your deductible. Exploding sunroofs fall under the "accidental breakage" category, same as rock chips on a windshield so if you have the 13D on your policy the exploding windshield would not be covered either.

For context I would estimate that 95% - 99% of the vehicles on the road have the 13D endorsement which means no windshield or exploding sunroofs. If you're concerned about the cost of a sunroof then talk to your broker and see how much your premium will go up if you remove the 13D but don't forget to factor in your deductible when deciding how to proceed.

[j0nblayz]

Same thing happened to my brand new Ford Edge Sport few years ago. Since day one of buying the edge, the pano sunroof seem lifted, so after multiple trips to the dealership, they said its finally fixed. Upon inspecting, looks like the sunroof was now push too in to the roof, however Ford stated that's normal. Driving home, the sunroof imploded on Deerfoot with not a single car around. You can see the sunroof imploded due to the pressure from the edges of the sunroof from visually inspecting the glass. Ford claimed it was due to a rock hitting the sunroof and wanted me to pay the full amount to replace, even with records of my multiple visits trying to get the sunroof fixed.

I was able to get the price down to I believe it was around $2k. Fought with Ford Canada and got no where...

After getting it replaced, right away I traded it in as I did no want to deal with Ford anymore. Got myself another vehicle and got AMI insurance, covers all windows including sunroof. $50 deductible and no limit on claims. Have used the claim multiple times on all my vehicles to replace the windshield...

[16hypen3sp]

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AMI insurance, .

Is that an insurance provider? Or type of glass coverage?

[j0nblayz]

AMI Insurance is for auto glass protection. Company is out of Edmonton. Get a quote and determine if it worth the coverage, for example my Honda Odyssey is 2018 and there were no aftermarket windshield last year, so coverage covered Honda OEM windshield. AMI will replace with aftermarket only, however if not available will provide OEM. Work is done at authorized shops only, which is crystal glass, and the shop on Macleod was very helpful getting the right brand of aftermarket windshield for me.

[dirtsniffer]

I went through Aviva. Extras $212 a year ($250 deductible) vs $280 through AMI ($50 deductible). Also Aviva will use OEM for the first 3 years due to the SEF 43R coverage. Aftermarket glass is bullshit.

[16hypen3sp]

Interesting. How does the aftermarket glass affect things like HUD's? Is aftermarket glass less durable or something?

[dj_rice]

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Interesting. How does the aftermarket glass affect things like HUD's? Is aftermarket glass less durable or something?

I don't think it affects HUD really. If you have HUD, some aftermarket glass should have glass for it, most likely after an aftermarket glass install, it will probably need to go back to the dealership for re-calibration of sensors and cameras if applicable.

As for the less durable, I dont know. I do know the price difference reflects the quality/thickness of the glass imo. Aftermarket glass has come a long way nowadays vs back in the day, many complaints about the clarity and wavyness in the glass. I was all weary about going aftermarket glass on my car, $136 vs $800 OEM and tried to do a ton of research before-hand on which aftermarket glass companies are better than the others but in the end, it all ended up that most/if not all aftermarket glass companies manufacture the glass in China.

Theres a few major players in the glass world, Benson, Fuyao, XYG, PGW, Pilkington. I ended up going with PGW as I thought it was North American made glass, Pittsburgh Glass Works, but the more I dug in, I found out my glass was from China, but just stamped PGW.

The major difference I noticed, is my glass isn't as thick, increased road noise slightly and it doesnt block the UV rays like my OEM glass did.

But another important factor is the quality/skill of the installer as well. You can have OEM glass and then get a shitty installer and it leaks, squeaks. ETC.

[88CRX]

Added full glass coverage today. $65/year with a $250 deductible. Seems cheap for windshield and pano glass sunroof.

[spikerS]

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Added full glass coverage today. $65/year with a $250 deductible. Seems cheap for windshield and pano glass sunroof.

That sounds great! TBH, I am scared of my big pano sunroof 'sploding on my F150 too. I keep hearing crazy numbers like $4k to replace it. Can I ask who you got it through? I would even be willing to pay a little more to have a lower deductible too.

[killramos]

Deductible for AMI is 50 bucks for replacement.

[HiSpec]

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I don't think it affects HUD really. If you have HUD, most likely after an aftermarket glass install, it will probably need to go back to the dealership for re-calibration of sensors and cameras if applicable.

Do you know if the glass coverage will also cover the cost of re-calibration?

[88CRX]

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That sounds great! TBH, I am scared of my big pano sunroof 'sploding on my F150 too. I keep hearing crazy numbers like $4k to replace it. Can I ask who you got it through? I would even be willing to pay a little more to have a lower deductible too.

TD Meloche Monex.

[Mitsu3000gt]

It's just marth - if annual cost + deductible is considerably less than a windshield cost, and you don't think you will be needing frequent replacements, then it's worth it. If you have a $250-500 windshield and no pano sunroof, probably not worth it.

Also I assume your rate goes up after a claim, or multiple claims, so that needs to be factored in as well.

I've never bought glass insurance personally, but I've never had any weirdly expensive windshields. My brother used to have a Subaru SVX and the windshield was $2K.