Insurance query wrt windscreen repair

Liebherr

Liebherr

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Hi All

Monday morning I got a chip on my Audi's windscreen from a stone kicked up by the car, Tuesday morning the crack started to run and cracked a large part of the windscreen, called insurance and got the relevant quotes which was duly submitted.

Yesterday insurance calls and confirms claim is approved and I should take my car to PG Glass for repairs, and now my question: the schedule of my insurer specifies 'R250.00 or 10 % of claim', that and only that is stated with no additional information given. Windscreen is about R7000 to replace, so R700 co-payment OR R250 and I confirmed I will pay the R250. now the insurer is up in arms that it should be 10% and not R250 as per schedule.

Insurance confirmed they will take it up with management yesterday and confirm this morning. do I have any grounds to stand by my claim of only paying R250 as it is a fault from them on the contract or should I let it slide?

any advice will be appreciated.:confused:
 
If the windscreen cost R1000 to repair, would you expect to pay in R250 or R100?
 
Liebherr said:
Hi All

Monday morning I got a chip on my Audi's windscreen from a stone kicked up by the car, Tuesday morning the crack started to run and cracked a large part of the windscreen, called insurance and got the relevant quotes which was duly submitted.

Yesterday insurance calls and confirms claim is approved and I should take my car to PG Glass for repairs, and now my question: the schedule of my insurer specifies 'R250.00 or 10 % of claim', that and only that is stated with no additional information given. Windscreen is about R7000 to replace, so R700 co-payment OR R250 and I confirmed I will pay the R250. now the insurer is up in arms that it should be 10% and not R250 as per schedule.

Insurance confirmed they will take it up with management yesterday and confirm this morning. do I have any grounds to stand by my claim of only paying R250 as it is a fault from them on the contract or should I let it slide?

any advice will be appreciated.:confused:
Click to expand...

Your policy wording will say 10% minimum R 250. Since R 700 is 10% that is what you have to pay.
 
Just pay it. A reasonable person would interpret that as being the highest of the 2 values. If you wanted to be difficult and enforce the wording, you would probably get away with it and they honour the R250. But then the insurer may see you as being a difficult customer. Then they cancel your policy after the claim.
 
Pitbull said:
It would say it somewhere on the policy wording. But if not, I would move insurers after this claim as they can't even word their own policies correctly!
Click to expand...

I'm waiting for the feedback, I'm sure they are squirming and trying to find the small print on this, as they usually reply quickly to any communication. Insurer has a group-policy with my company and we get 35% discount, after this I will definitely get quotes from others.
 
got off the phone with insurer now, co-payment is only R250 as their wording was incorrect and will be updated to be more specific.

once in a blue-moon the man on the street gets his pound of flesh. :whistle:
 
Odd that windscreen has a percentage excess at all.

Usually it’s a flat rate but I recall higher like R500.

So maybe you are winning for it being a percentage or minimum either way.
 
SauRoNZA said:
Odd that windscreen has a percentage excess at all.

Usually it’s a flat rate but I recall higher like R500.

So maybe you are winning for it being a percentage or minimum either way.
Click to expand...

Yip I have also noticed as you mention.
 
Be careful with windscreen replacements, i have seen insurance company’s replace using an “sabs” approved windscreen and not OEM.
Lines and waves could actually be seen on the sabs non OEM one.
 
uzairb said:
Be careful with windscreen replacements, i have seen insurance company’s replace using an “sabs” approved windscreen and not OEM.
Lines and waves could actually be seen on the sabs non OEM one.
Click to expand...

That's more the exception than the rule. And those SABS one's are normally excess free.
 
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