Windshield Protection plan - Cybertruck not included

[timbre]

What gives Tesla!? Cybertruck is not included in their Windshield Protection plan.

The Tesla Windshield Protection plan is a monthly subscription that covers repairs and replacements of the front windshield for your Tesla vehicle.

This subscription includes up to one free windshield replacement every 12 months and unlimited chip or minor crack repairs, with no long-term commitment required. Subject to $100 deductible.

The monthly subscription fee listed by model are:

Vehicle Model	Monthly Fee (USD)
Model 3	$12.00
Model Y	$12.00
Model S	$15.00
Model X	$23.00

https://www.tesla.com/support/windshield-protection


Would you get this if it were available and costs ~$30 a month?

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[JGTESLA]

Would definitely consider it for peace of mind.

 

[ÆCIII]

While the low angle of the CT windshield has an advantage of incurring less damage from road particles at high speeds, there is still the occasional unexpected mayhem incidents from above or even when parked (shout out to some well known insurance company commercials). I think the CT windshield should be included, albeit understandably at a higher rate.

Not sure why Tesla is having to offer this 'protection' at all, unless insurance companies are on an increasing trend to compromise or screw their customers in situations of glass repair - which wouldn't surprise me at all actually. I don't think that Tesla windshields are in any way inferior either, but likely they could be incurring more damage because people drive their Teslas at higher speeds more of the time with superior performance and acceleration, as well as driving Teslas more distance because they are far cheaper to drive per mile.

Some insurance companies provide varying levels of deductible for glass coverage, with customizable options, but I'd research them carefully to make sure they're not going to try compromising the repair quality with their own in-bed third party suppliers (with CT front windshield this likely won't be a problem in the near term).

Maybe there needs to be more prevalent insurance company specific review forums, so that people will check other customer experiences and thus leveraging market competition forcing insurance companies to behave more honorably in claim resolutions. But if this type of coverage is needed and being offered separately, then insurance companies aren't providing adequate glass coverage for Tesla owners. Sucks to have to pay insurance and then turn around and get separate coverage for glass - just sayin'.

- ÆCIII

 

[Limes2]

Check your insurance policy. Comprehensive covers glass in mine. Still have to pay a deductible.

 

[dpoll995]

They also skipped the cybertruck for the extended warranty as well. I’d be interested depending on the price.

 

[DanWill]

Progressive has zero deductible windshield replacement for the cybertruck... It does add some to the cost of the policy.

 

[CapheDa]

State Farm covered mine after a $1000 deductible. Their share was $1717 so it feels like win. Tesla SC did the repair. $12 monthly with a $100 deductible would be sweet if they offered it.

 

[AverageJoe]

While the low angle of the CT windshield has an advantage of incurring less damage from road particles at high speeds, there is still the occasional unexpected mayhem incidents from above or even when parked (shout out to some well known insurance company commercials). I think the CT windshield should be included, albeit understandably at a higher rate.

Not sure why Tesla is having to offer this 'protection' at all, unless insurance companies are on an increasing trend to compromise or screw their customers in situations of glass repair - which wouldn't surprise me at all actually. I don't think that Tesla windshields are in any way inferior either, but likely they could be incurring more damage because people drive their Teslas at higher speeds more of the time with superior performance and acceleration, as well as driving Teslas more distance because they are far cheaper to drive per mile.

Some insurance companies provide varying levels of deductible for glass coverage, with customizable options, but I'd research them carefully to make sure they're not going to try compromising the repair quality with their own in-bed third party suppliers (with CT front windshield this likely won't be a problem in the near term).

Maybe there needs to be more prevalent insurance company specific review forums, so that people will check other customer experiences and thus leveraging market competition forcing insurance companies to behave more honorably in claim resolutions. But if this type of coverage is needed and being offered separately, then insurance companies aren't providing adequate glass coverage for Tesla owners. Sucks to have to pay insurance and then turn around and get separate coverage for glass - just sayin'.

- ÆCIII

*PSA*
I'm not sure when this started but insurance companies now count windshield replacement as a full on claim to use against you to raise your rates. I have progressive and have had geico and couldn't figure out why my rate was significantly going up until I noticed they were counting windshield replacements as claims going back 7 years or more. Your deductible may be low but they more than get their money back by raising your rate. Cheaper to pay out of pocket.

 

[ÆCIII]

*PSA*
I'm not sure when this started but insurance companies now count windshield replacement as a full on claim to use against you to raise your rates. I have progressive and have had geico and couldn't figure out why my rate was significantly going up until I noticed they were counting windshield replacements as claims going back 7 years or more. Your deductible may be low but they more than get their money back by raising your rate. Cheaper to pay out of pocket.

You've confirmed what I have been suspecting as mentioned in the first sentence of my post's second paragraph:

Not sure why Tesla is having to offer this 'protection' at all, unless insurance companies are on an increasing trend to compromise or screw their customers in situations of glass repair - which wouldn't surprise me at all actually.

IMO insurance companies shouldn't raise rates any based on glass coverage claims, unless a person is obviously abusing the coverage (say three replacements within a specific period of time, etc.), but obviously some insurance companies are in greed-predatory mode where any technicality they can leverage against the customer to get their money (even if it's not safe driving related) they'll do it. Insurance companies should have glass coverage forgiveness of a certain frequency built into their policies.

One would expect competition and market forces to make insurance companies treat customers more fairly but in many cases they are connected and operate as an oligopoly more than many people realize, so that they can leverage control against their market/customers for money.

Come to think of it, that's likely why Tesla started getting involved in the insurance business in the first place - to give owners and customers a better and fair deal, just like their cars also give a much better driving experience and better deal in costs per mile.

- ÆCIII

 

[AO-Pete]

@AverageJoe yeah, correct. When I was shopping around for quotes, they'd all come back higher after the detailed check. No accident or ticket history at all, but a windshield replacement 'counts' as a claim when assessing premium. When I asked for more details, they said they checked the CLUE report (Comprehensive Loss Underwriting Exchange), and sure enough, the windshield claim was on there. If anyone is curious, you can request a copy here. It takes a few weeks.

Another data point, since my insurance literally renewed today (and we got a new Y yesterday), the uplift for Progressive to add what they call $0 glass deductible to a Y is $35. For CT, it's $46 (for 6 months):

As we all know, insurance is a game, so if I make a claim and benefit from the $46 coverage, I'll end up paying for it in the long run with premium hikes, but given the cost of a CT windshield (~$2400), I've just updated my policy to get it covered.

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