How does sunroof coverage work in auto insurance?

Do you want to take out insurance, but don't know if it covers a sunroof? Then this article is for you! In it, we explain how to ensure protection for this accessory in your vehicle. Read on!

Sunroof coverage in auto insurance is something simple, but it deserves attention. After all, insurance companies do not always offer this option automatically.

When purchasing protection, the user needs to negotiate with the company and evaluate the most advantageous option for their car.

There are several models on the market with a sunroof, such as the Volkswagen Golf Comfortline and the Peugeot 3008. Installation by the user can cost from R$1,500.

Before buying a car like this, or installing the option, it is worth considering taking out insurance. This will make it easier for you to determine the associated costs.

Image: Getty

Factory sunroof versus accessory ceiling

Car insurance has basic coverage against collisions, theft and robbery, fire and lightning.

Other vehicle care services must be contracted separately, as an additional service. This includes, for example, the use of 24-hour assistance and the protection of accessories, such as a sunroof cover.

However, the sunroof is not always considered an accessory. This only happens when it is not installed at the factory.

Therefore, a car that originally has a roof of this type can only count on basic coverage.

On the other hand, if the item is installed by the consumer, it will count as an accessory. Therefore, protection against damage of any kind must be purchased through additional coverage.

When the roof is an accessory, it is important to specify it well to the insurer. Often, consumers think that a simple window cover will protect the item.

However, most insurance companies do not include this roof in their glass coverage. So, even if you have protection for your windows, your roof may not be covered in the event of a claim.

Not all insurance companies offer this service either, so it's worth starting your quotes by evaluating this aspect.

Therefore, companies that do not guarantee coverage may soon be removed from your list.

Despite what we have mentioned, the rules on this subject may also vary from insurer to insurer.

Therefore, it is essential to carefully evaluate the clauses of the insurance policy. Only then will you be sure that you are covered as you wish.

Compensation for sunroof coverage in auto insurance

A sunroof cover ensures that cracks, breaks and damage to the item can be repaired. Also called a panoramic roof, this accessory is a great option for increasing light and ventilation inside the car.

Despite what the films show, however, vehicle occupants should not have their bodies hanging over the roof.

This is a dangerous practice, in addition to being a traffic violation that results in a fine and loss of points on the driver's license.

When damage occurs only to the roof, the consumer receives compensation proportional to the accessory. The amount appears on the insurance policy and will be used to repair or replace the equipment.

Coverage for this type of accessory also has a proportional deductible. The deductible is the amount the consumer is responsible for when repairs are made to the vehicle.

It can be fixed or a percentage, it is defined in the contract and must be paid to the workshop.

The vehicle's full coverage will follow the FIPE Table. To guarantee higher values ​​in the coverage of the equipment, which is usually expensive, the user can choose compensation of more than 100% of the FIPE table.

This value will be defined in the policy, and can guarantee an “extra” to the consumer.

Did you see how roof coverage works in auto insurance? When defining the protection and the percentage of compensation, it is worth having the help of a good insurance broker.

The specialist will be able to easily recommend the best insurance plan for your vehicle.