If you insure the windshield it's a lot. Everything but it's pretty cheap.
If you insure the windshield it's a lot. Everything but it's pretty cheap.
the quote I got was $250 a yearThis quote is hidden because you are ignoring this member. Show Quote
- - - Updated - - -
Do you know how much it would have been if you had to pay out of pocket?This quote is hidden because you are ignoring this member. Show Quote
This quote is hidden because you are ignoring this member. Show QuoteHm, the guy probably misunderstood me but I specifically mentioned my concern with the sunroof. Oh well.This quote is hidden because you are ignoring this member. Show Quote
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.
Originally posted by SEANBANERJEE
I have gone above and beyond what I should rightfully have to do to protect my good name
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.
"Masked Bandit is a gateway drug for frugal spending." - Unknown303
interesting. last time i asked about it, they said it was only all other glass. should i ask questions?This quote is hidden because you are ignoring this member. Show Quote
Same here...was also told that every glass was covered excluding the windshield.This quote is hidden because you are ignoring this member. Show Quote
This quote is hidden because you are ignoring this member. Show QuoteThe 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.This quote is hidden because you are ignoring this member. Show Quote
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.
"Masked Bandit is a gateway drug for frugal spending." - Unknown303
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...
Is that an insurance provider? Or type of glass coverage?This quote is hidden because you are ignoring this member. Show Quote
Looking around
Wondering what became
Of what I once knew
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.
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.
Last edited by dirtsniffer; 08-26-2019 at 11:14 AM.
Interesting. How does the aftermarket glass affect things like HUD's? Is aftermarket glass less durable or something?
Looking around
Wondering what became
Of what I once knew
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.This quote is hidden because you are ignoring this member. Show Quote
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.
Last edited by dj_rice; 08-28-2019 at 02:38 PM.
Originally posted by GTS Jeff
You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?
Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.
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.This quote is hidden because you are ignoring this member. Show Quote
Boosted life tip #329
Girlfriends cost money
Turbos cost money
Both make whining noises
Make the smart choice.
Originally posted by Mibz
Always a fucking awful experience seeing spikers. Extra awful when he laps me.
Deductible for AMI is 50 bucks for replacement.
Originally posted by Thales of Miletus
If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
Originally posted by Toma
fact.This quote is hidden because you are ignoring this member. Show Quote
Do you know if the glass coverage will also cover the cost of re-calibration?This quote is hidden because you are ignoring this member. Show Quote
TD Meloche Monex.This quote is hidden because you are ignoring this member. Show Quote
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.