Insurance Won’t Allow Genuine Parts?

Are you insured with Admiral insurance? Have you claimed for a cracked windscreen? Did they allow a genuine – OE – replacement? Did you know about the three year rule?

Admiral’s guide [under Windscreen Damage] states:

“If your car is three years old or more, we may decide to repair it with recycled parts, or with parts which have not been made by the car’s manufacturer, but are of a similar standard.”

Interesting use of the word, ‘may’ which suggests it could be subject to discretion. The reality is, they will not allow an OE windscreen replacement. Technically, the claim settlement does not include any ‘in conjunction with’ parts, such as clips, mouldings or trims. The installer has to absorb that cost.

The Twist.

Go to the Damage to Your Car section of the same set of documents and the wording is quite different:

“We will only repair your car with parts made by the vehicles manufacturer. If any parts are no longer available, we will only pay the cost shown in the manufacturer’s latest price guide together with reasonable fitting costs. “

It’s not just in the wording. Here is a new tailgate fitted to a 2008 Peugeot 207 in for a crash repair at an Admiral-approved bodyshop:

Why should windscreens – and glass – be any different? Surely the same principle should apply in both claims? Why the disparity? If an 11 year-old car can have genuine body panels fitted as part of a claim, why then does the indemnity not extend to a four year-old car for a windscreen?