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 Windscreen insurance... A must?

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yamato
post May 3 2013, 09:57 AM

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QUOTE(WaCKy-Angel @ May 3 2013, 09:40 AM)
sweat.gif  sweat.gif  sweat.gif

Obviously... And TS said "i think from our conversation the insured amount is up to RM3K or something..."
As in insurance + windscreen total to 3K.

So that makes sense for premium around 100K with 0% NCD it will costs around 2.5K + RM300 = about 3K
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if "insured amount" only 3k, then total lost the insurance only pay u back 3k only. any logic?
3k is only premium have to pay yearly to covered sum insured for amount of 90-100k.

HTH
WaCKy-Angel
post May 3 2013, 09:57 AM

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QUOTE(sleepwalker @ May 3 2013, 09:54 AM)
No.. he was taking about the insured amount of the windscreen coming to 3k or something. Not his premium.
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Oh?

Fiesta windscreen so expensive? Almost same to Altis price?
kadajawi
post May 3 2013, 10:00 AM

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In my insurance they say if want to add windscreen they have to check the car first... Really have to do that, it is a huge window.
sleepwalker
post May 3 2013, 10:01 AM

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QUOTE(yamato @ May 3 2013, 09:05 AM)
3k  sweat.gif

talk to SA to reduce insured amount to 1k. anything more than that, you are paying for nothing.
conti cars, suv, 4x4 could be more than 1k.
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And the fiesta is not a conti? Well.. maybe the other side of conti across the Atlantic but I'm sure the windscreen is not something 'made in Malaysia'. I'm sure with such low volumes of Fiesta sold, the local Dr Cermin will not have China made stock for the front windscreen.

Only china made imitation windscreen cost below RM1k installed by some cheapo installer. Furthermore, you are not only paying for the cost of the windscreen but also the seals and molding strips and workmanship. It all adds up.
sleepwalker
post May 3 2013, 10:03 AM

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QUOTE(kadajawi @ May 3 2013, 10:00 AM)
In my insurance they say if want to add windscreen they have to check the car first... Really have to do that, it is a huge window.
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Some insurers will do windscreen inspection when you decide to add windscreen protection. Too many fraudulent claims on windscreen.
sleepwalker
post May 3 2013, 10:06 AM

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QUOTE(WaCKy-Angel @ May 3 2013, 09:57 AM)
Oh?

Fiesta windscreen so expensive? Almost same to Altis price?
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The cost of replacement is not just the price of the screen. Depending on the vehicle and type of damage, the molding strips have to change and sealant will be used to attach the windscreen. I have seen so many cases where people go to local Dr Cermin and just replace the windscreen and not the molding strips.. and then it starts to leak.
yamato
post May 3 2013, 10:17 AM

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QUOTE(sleepwalker @ May 3 2013, 10:01 AM)
And the fiesta is not a conti? Well.. maybe the other side of conti across the Atlantic but I'm sure the windscreen is not something 'made in Malaysia'. I'm sure with such low volumes of Fiesta sold, the local Dr Cermin will not have China made stock for the front windscreen.

Only china made imitation windscreen cost below RM1k installed by some cheapo installer. Furthermore, you are not only paying for the cost of the windscreen but also the seals and molding strips and workmanship. It all adds up.
*
ford is not conti, its an imperial car. ok enuf joke.
localised OEM windscreen for fiesta size should cost less than 700, if add up the labour, mould strips & sealant etc, shouldnt be over 1k. (i worked in automotive R&D for over 10yrs, from engine bay to interior). if it cost over 1k, might be 2 reasons: CKD imported part or the owner got cut throat.

This post has been edited by yamato: May 3 2013, 10:18 AM
kadajawi
post May 3 2013, 10:20 AM

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Are OEM windscreens as good as original ones? Sound isolation etc.? Crash worthiness?

Thx sleepwalker, I guess some are in for a surprise then when they try to cheat.

Most Ford that are sold outside the US are German. Including the Fiesta.
yamato
post May 3 2013, 10:21 AM

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QUOTE(kadajawi @ May 3 2013, 10:20 AM)
Are OEM windscreens as good as original ones? Sound isolation etc.? Crash worthiness?

Thx sleepwalker, I guess some are in for a surprise then when they try to cheat.

Most Ford that are sold outside the US are German. Including the Fiesta.
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how can OEM not be ori?
ford does not make their own windscreen, but the OEM suppliers do!

anyway, we are getting off track.

This post has been edited by yamato: May 3 2013, 10:23 AM
kadajawi
post May 3 2013, 10:28 AM

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By OEM I mean those branded but not original ones... Made by other part makers, like in China. Like Monroe, Brembo, ...

This post has been edited by kadajawi: May 3 2013, 10:31 AM
TSkmed
post May 3 2013, 10:28 AM

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just spoke to my SA. total cost of replacement plus workmanship is around 2k which explains why the 300+ fee (15% of total cost). according to my SA ford usually includes this as part of total bill
shinn_tan
post May 3 2013, 10:31 AM

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QUOTE(kmed @ May 3 2013, 10:28 AM)
just spoke to my SA. total cost of replacement plus workmanship is around 2k which explains why the 300+ fee (15% of total cost). according to my SA ford usually includes this as part of total bill
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as far as i know, local brands (p1 & p2) windscreen coverage below 1k sum insured is fair. but for import brands (CBU) sometimes may up to 15k sum insured.
sleepwalker
post May 3 2013, 10:38 AM

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QUOTE(yamato @ May 3 2013, 10:17 AM)
ford is not conti, its an imperial car. ok enuf joke.
localised OEM windscreen for fiesta size should cost less than 700, if add up the labour, mould strips & sealant etc, shouldnt be over 1k. (i worked in automotive R&D for over 10yrs, from engine bay to interior). if it cost over 1k, might be 2 reasons: CKD imported part or the owner got cut throat.
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Do not mix up OEM and imitation. People use OEM nowadays to replace imitation. There are not many localised OEM windscreen for imported vehicles and you should know that since you are in automotive R&D for over 10 years.

My car's OEM windscreen cost over RM4K and local made (or made in china) 'OEM' IMITATION cost 1K but it is still not LOCAL OEM.. no such thing as they do not produce that windscreen locally.
sleepwalker
post May 3 2013, 10:40 AM

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QUOTE(kadajawi @ May 3 2013, 10:28 AM)
By OEM I mean those branded but not original ones... Made by other part makers, like in China. Like Monroe, Brembo, ...
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The correct term for what you want is called OEM Replacement Part. The part is not made by the OE Manufacturer but by a third party to replace the OEM part. It is called OEM Replacement part. Some of these parts are better.. some not so good, depending on the manufacturer.
sleepwalker
post May 3 2013, 10:41 AM

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QUOTE(yamato @ May 3 2013, 10:21 AM)
how can OEM not be ori?
ford does not make their own windscreen, but the OEM suppliers do!

anyway, we are getting off track.
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He is referring to OEM Replacements parts. Just because somebody makes the windscreen, it is not considered as OEM unless it is the actual one used by FORD. The rest are known as OEM Replacement parts and not to be confused with OEM parts.
yamato
post May 3 2013, 11:04 AM

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in automotive, REM is the term we used, never assume OEM replacement is equivalent to OEM.

OEM=direct supplier to assembly plant.
REM=genuine replacement in service center. (not necessary same part as OEM, just that quality is proven, warranty is given)

yamato
post May 3 2013, 11:07 AM

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whatever does not come with the car, is not OEM part, technically

edited typo

This post has been edited by yamato: May 3 2013, 11:09 AM
sleepwalker
post May 3 2013, 11:21 AM

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QUOTE(yamato @ May 3 2013, 11:07 AM)
whatever does not come with the car, is not OEM part, technically

edited typo
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That's not true. Again you still do not understand the meaning of OEM. OEM does not mean it has to be part of the original car. It just has to be from the original supplier approved by the car maker. Since we make Proton here, they would be the best example to use. If you crash your Proton and get a replacement OEM bumper from Proton, it would be the same one used to fit into the car in the factory and made and painted by their OEM supplier somewhere in Shah Alam (or where ever they are). That is OEM and approved by Proton.

If you get the same made in Malaysia Proton bumper but made by a supplier that is not used by Proton, then it is not OEM for it is not approved to be used by Proton.

Just because it didn't come with the car and you don't consider it as OEM.. what have you done with your 10 years in Automotive R&D to come up with that term.

samlhc
post May 3 2013, 11:34 AM

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The replacement for new car will be genuine parts/OEM parts, but FORD didn't make windscreen. It could be FORD authorized manufacturer A or B or C...
The replacement source may not directly from FORD but it does from OEM manufacturer, so it still consider as OEM parts.
But can you ensure the workshop wont repair with aftermarket parts/used/recon or non genuine parts. =.=
yamato
post May 3 2013, 11:45 AM

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QUOTE(sleepwalker @ May 3 2013, 11:21 AM)
That's not true. Again you still do not understand the meaning of OEM. OEM does not mean it has to be part of the original car. It just has to be from the original supplier approved by the car maker. Since we make Proton here, they would be the best example to use. If you crash your Proton and get a replacement OEM bumper from Proton, it would be the same one used to fit into the car in the factory and made and painted by their OEM supplier somewhere in Shah Alam (or where ever they are). That is OEM and approved by Proton.

If you get the same made in Malaysia Proton bumper but made by a supplier that is not used by Proton, then it is not OEM for it is not approved to be used by Proton.

Just because it didn't come with the car and you don't consider it as OEM..  what have you done with your 10 years in Automotive R&D to come up with that term.
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haha, trying to insult huh?

you do not believe & agree on an insider statement, but still believe yourself, be my guess.

This post has been edited by yamato: May 3 2013, 11:46 AM

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