Buyer Beware: Glass Cover

 

 

Are you having difficulty getting your insurance company’s preferred repairer to fit a genuine ‘OE’ replacement windscreen for your car? Is the windscreen company waiting to see if the underwriter will authorise your request?

 

First and foremost, before you go reaching for the latest version of the Consumer Rights Act legislation as you prepare to refer the matter to the ‘Insurance Ombudsman’, you should have a look at what you agreed to before policy inception; it usually states very clearly what the outcome will be be in the event of a windscreen claim.

Should you be paying a supplement for a genuine windscreen?

In a nutshell, no. You should not be making up the difference if your preference is for an ‘authentic’ part, not unless there is an explicit exclusion stated within your Policy Schedule, or Key Facts. Unless you have agreed to pay the difference for OE parts when the insurance terms were proposed, the insurer nor the repairer cannot charge you – the policyholder – the difference between an aftermarket, or ‘copy’, windscreen and one supplied by the vehicle manufacturer.

The onus is on you to ask these questions before you accept the proposed arrangement when shopping around for your motor insurance.

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