Windscreen shock... (1 Viewer)

[Gellyneck]

C&MC cover noted below..

Windscreen Damage
What is covered
We will pay:
• to replace or repair broken glass in the windscreen or windows of your motorhome or any scratching to the bodywork caused by the broken glass, as long as there has not been any other loss or damage.
Claims under this section will not affect your No Claim Discount.

The most we will pay
Up to £100 for each incident, unless the repair or replacement is carried out by our recommended glass specialist.
We will not pay a sum greater than the market value of your motorhome at the time of the claim under Section 3 Windscreen damage or the amount your motorhome is insured for (less the excess), whichever is the lower figure.

What is not covered
• The excess shown in the schedule, unless the glass is repaired and not replaced.

 

[JockandRita]

Surprising! I'm with Comfort and my windscreen limit is stated at £3000.

Likewise, as stated earlier in the thread mine is also sat at a £3,000 limit.

Same here................or was.

With Comfort policies from May 2018 windscreen cover is unlimited, pre May it is £3000.

Nice one Lenny. Having renewed with Comfort, I wasn't aware of that.

From my own experience regarding screen replacement on a Hymer A Class, ensure that it is a genuine screen for your make of MH, (ie, not a patterned part screen) and insist on a new replacement seal. It was the genuine screen and the new seal that made the proper repair. I advised @Ambilkate of the same, when their screen went, and they didn't go through the same sh1t that we did with Autoglass. Things got so bad in our situation, that once I alerted their CEO, Autoglass customer services swiftly kicked into action, and saw fit to forego the excess payment, and compensated us with a three figure sum.................without any input from us.

@arto stu. How did you get on?

Cheers,

Jock.

 

[Mr B]

AIB
Wanted £875 compared to Comfort £385.

Just under £400 with AIB. Been with them since 2015.

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[Lenny HB]

Same here................or was.


Nice one Lenny. Having renewed with Comfort, I wasn't aware of that.

From my own experience regarding screen replacement on a Hymer A Class, ensure that it is a genuine screen for your make of MH, (ie, not a patterned part screen) and insist on a new replacement seal. It was the genuine screen and the new seal that made the proper repair. I advised @Ambilkate of the same, when their screen went, and they didn't go through the same sh1t that we did with Autoglass. Things got so bad in our situation, that once I alerted their CEO, Autoglass customer services swiftly kicked into action, and saw fit to forego the excess payment, and compensated us with a three figure sum.................without any input from us.

@arto stu. How did you get on?

Cheers,

Jock.

I know always to insist on genuine screens don't thing the pattern parts have the anti glare coating. No seals on ours, bonded screen.

Just under £400 with AIB. Been with them since 2015.

They don't like personal imports and double the premium, so much for a single market.

 

[Mr B]

Ours is a personal import. They were really good. And we’ve had a claim (weather damage).
And mine and the wife’s car is insured with them too.
Happy days

 

[john lillie]

safeguard just quoted £635 (4 yrs ncb £35k value, no convictions or claims) £300 excess on windscreen cover, with allianz,( who I am with at the moment,) paid £200 last year but windscreen max £1k and £100 excess, value at £42k! Waiting for Comfort to call.....

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[Enword]

 

[john lillie]

nice glass enword, used to wear them on my Norton years ago, but???

 

[SpeedyDux]

We’re with AIB, underwritten by Aviva.
Limit is £3000

Comfort is also underwritten by Aviva. Funny old world, innit.

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[ironduck]

I bumped into a Hymer A Class owner in Telford who had to rendezvous with Autoglass at the dealership because Autoglass did not have the technical knowledge to disconnect and reconnect a heated windscreen. The bill was over £5,000 altogether! That prompted me to check my windscreen cover with my CMC policy and fortunately it is unlimited.

 

[pandas]

Autoglass have just told me I have to pay VAT in addition to my excess payment? Does not seem right - I also thought insurance was exempt from VAT!

Plus how do I check they are installing a genuine Hymer part?

 

[JockandRita]

Plus how do I check they are installing a genuine Hymer part

Ask to see the invoice. It may be listed on there, but if not, when they remove the new screen from the van to lay it out on their tressles for preparation, check the markings on the bottom left corner. They should read "Hymer Pilkington".

Re the VAT, I doubt it. As far as I know, the insurers pay the VAT on the total bill. You just pay the excess. I'm happy to be corrected though.

Good luck,

Jock.

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[scotjimland]

I also thought insurance was exempt from VAT!

VAT & insurance excess

Don't try to match the excess with the VAT!

If the customer is VAT-registered, then the Insurer will not fund the VAT, leaving the customer to pay the excess and the VAT on the repair. He can reclaim the VAT. It is likely that the VAT will equate to more than 20% of the value of the excess. The Client will need to invoice the customer for the excess and the VAT.

If the customer is not VAT-registered, then the Insurer will fund the VAT. The customer will pay the excess, but no VAT. The Client will invoice the customer for the excess only.

If the customer pays the Insurance Company directly, then that should not change. However, different Insurance Companies do things differently.

https://www.accountingweb.co.uk/any-answers/vat-on-insurance-excess-contribution

 

[funflair]

As scot Jim says above, a VAT registered company would be billed the VAT so you should NOT be paying the VAT unless you are running the van on a business and the insurance know that.

Martin

 

[The Wino]

Im suprised the insurance isn't going up for a-classes with the level of windscreen claims its got to come from somewhere

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[TheCaller]

Autoglass have just told me I have to pay VAT in addition to my excess payment? Does not seem right - I also thought insurance was exempt from VAT!

The insurance premium is exempt from Vat.
The job of repairing the windscreen is standard rated (20%).
As neither you nor the insurance company are Vat registered (I assume), the total cost of the repair is the gross price, including the full Vat. You are liable for the excess, which is a fixed sum of money & Vat should not come into it. I think someone at Autoglass is confused. I would have a word with your insurer.

 

[ShiftZZ]

I suspect the days of unlimited windscreen cover for a class are numbered.

Could it mean a reduction in motorhome insurance for the rest of us?

 

[Terry242]

Plus how do I check they are installing a genuine Hymer part?

Ask to see the invoice. It may be listed on there, but if not, when they remove the new screen from the van to lay it out on their tressles for preparation, check the markings on the bottom left corner. They should read "Hymer Pilkington".

Re the VAT, I doubt it. As far as I know, the insurers pay the VAT on the total bill. You just pay the excess. I'm happy to be corrected though.

Good luck,

Jock.

The screen on my Hymer cracked when on my way to Telford to visit my daughter so I contacted Autoglass and then half hour later went into Travelworld to pick up a small interior trim part. Whilst talking to the Parts Manager, I told him about the windscreen and gave him the van details because they were not on his system.

He checked the Hymer computer, informed me that they had 12 screens in stock at the factory and that it would take about 14 days from the point of ordering. Cost - £1000. He also said that Autoglass get all their Hymer screens via Travelworld.

Two weeks later, Autoglass staff from their 'specialist' depot in Bristol came to my house and fitted the screen, for which I paid them £75 excess. Whilst making the fitting arrangements with the manager in the Bristol office, he also confirmed that all Hymer screens are obtained via Travelworld.
Re the sealant that's been mentioned, there was no 'rubber seal'. The old screen was sealed using silicone which they broke with cheese wire, cleaned up the window surround and then re-sealed with silicone.

'Hymer Pilkington' was on the screen taken out but only 'Hymer' on the replacement.

Terry

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[JockandRita]

Re the sealant that's been mentioned, there was no 'rubber seal'. The old screen was sealed using silicone which they broke with cheese wire, cleaned up the window surround and then re-sealed with silicone.

Maybe not on your year of model Hymer Terry, but on those which do have a rubber seal, it should be replaced at the same time as the new screen. When the patterned screen that they fitted cracked overnight, without vehicle movement of any kind, the original screen eventually arrived, along with another new rubber seal.........................only this time they didn't need to pack the seal with waxed twine, to make the genuine screen fit. As a "belt and braces" job. they also used a black mastic rubber sealant.

Cheers,

Jock.

 

[gus-lopez]

Autoglass have just told me I have to pay VAT in addition to my excess payment? Does not seem right - I also thought insurance was exempt from VAT!

Plus how do I check they are installing a genuine Hymer part?

If you are vat registered you have to pay the vat.

As scot Jim says above, a VAT registered company would be billed the VAT so you should NOT be paying the VAT unless you are running the van on a business and the insurance know that.

Martin

no, the vehicle does not have to be insured for business use. You being vat registered is all thattis required . The insurance company cannot reclaim any vat paid but a vat registered person can

 

[funflair]

If you are vat registered you have to pay the vat.
no, the vehicle does not have to be insured for business use. You being vat registered is all thattis required . The insurance company cannot reclaim any vat paid but a vat registered person can

We had a VAT registered business but the motorhome and cars were private so we couldn’t claim VAT on those repairs, how would a business own a motorhome and not insure it for business use?

Martin

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[SandraL]

Comfort and windscreen. Rang today and it is unlimited if fitted by Autoglass.
If you refuse Autoglass and use another company it is £3k max.
If you are somewhere Autoglass will not attend then you pay and submit invoice to Comfort who will claim from Autoglass.
Unable to get definitive statement about limit if that happens.

I was assured Autoglass covered all of EU.

 

[Lenny HB]

Comfort and windscreen. Rang today and it is unlimited if fitted by Autoglass.
If you refuse Autoglass and use another company it is £3k max.
If you are somewhere Autoglass will not attend then you pay and submit invoice to Comfort who will claim from Autoglass.
Unable to get definitive statement about limit if that happens.

I was assured Autoglass covered all of EU.

At least a couple of Funsters have found out Autoglass don't cover Spain.
No way I would accept anything other than an OEM screen in an A Class, luckily the screen in my A Class is under the 3k limit.

 

[gus-lopez]

We had a VAT registered business but the motorhome and cars were private so we couldn’t claim VAT on those repairs, how would a business own a motorhome and not insure it for business use?

Martin

No idea all I know is that if you are registered for vat , whether the vehicle is in the business or not, they won't pay the vat.

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[JockandRita]

No way I would accept anything other than an OEM screen in an A Class

Having experienced the disadvantages of having "patterned part" screens fitted, (more than one ) I agree with @Lenny HB totally. Insist on a OEM screen.

Cheers,

Jock.

 

[CazPaul]

At least a couple of Funsters have found out Autoglass don't cover Spain.
No way I would accept anything other than an OEM screen in an A Class, luckily the screen in my A Class is under the 3k limit.

OEM?

 

[funflair]

No idea all I know is that if you are registered for vat , whether the vehicle is in the business or not, they won't pay the vat.

Well we had a Commercial Shogun in the business and we paid and claimed the VAT on the new screen, when we had a screen in the motorhome the insurers paid everything except the excess. Our business was a limited company so our personal affairs were not connected with the business and I dont see how they could be, I dont know if it would be different for a sole trader.

Martin

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[Happy Jim]

OEM?

Original Equipment Manufacturer

Factory stuff not a cheap copy

Jim

 

[Crazylegs]

I haven’t read this thread in its entirety, but having once worked as a windscreen repairer I would advise anyone with a chip in their screen to get it repaired by a competent independent technician as soon as you can. The large national companies have a tendency to advise repair is not possible, why you might ask, well it’s simple really they get to sell a expensive screen to your insurance company.
If you need to find a good screen repairer give Esprit windscreens a call I’m sure they would recommend one.
http://www.espritws.com/

 

[tonyidle]

All very pertinent to my case: I have a very broken windscreen (cracked from a chip on the bottom edge to about 2/3rds of the height) on my Le Voyageur which is being dealt with by Autoglass. I'm insured with C&MC.

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