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    <title>insurance on Rambling Rows</title>
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    <lastBuildDate>Tue, 28 Jul 2026 09:35:47 +1000</lastBuildDate>
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      <title>Your next dingle could cost you months</title>
      <link>https://rrows.net/2026/07/28/your-next-dingle-could-cost.html?utm_source=rss&amp;utm_medium=feed&amp;utm_campaign=rrows</link>
      <pubDate>Tue, 28 Jul 2026 09:35:47 +1000</pubDate>
      
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      <description>&lt;img src=&#34;https://cdn.uploads.micro.blog/202171/2026/car-part-delays-600px.jpg&#34; width=&#34;600&#34; height=&#34;338&#34; alt=&#34;&#34;&gt;
&lt;p&gt;A UK driving instructor&amp;rsquo;s leased Nissan sat off the road for three months this year, waiting on a single spare part. By the time it was finally repaired, she had spent more than £2,500 hiring a replacement dual control car, borrowed money from relatives to keep teaching and nearly lost her livelihood over a repair that should have taken days. &lt;a href=&#34;https://www.theguardian.com/money/2026/jul/27/nissan-repair-car-driving-instructor&#34;&gt;The Guardian reported the case last week&lt;/a&gt; as a straightforward consumer complaint. It reads more like a warning.&lt;/p&gt;
&lt;p&gt;The UK setting doesn&amp;rsquo;t matter. The same parts delays and the same insurance gaps are turning up in Australian driveways too, and &lt;a href=&#34;https://www.abc.net.au/news/2024-01-23/car-repair-wait-times-increase-mechanics-skill-shortage/103363916&#34;&gt;mechanics here are already stretched thin&lt;/a&gt; before a missing part even enters the picture. If you own a modern car, two things in your policy now matter more than they did five years ago.&lt;/p&gt;
&lt;h2 id=&#34;windscreens-arent-simple-anymore&#34;&gt;Windscreens aren&amp;rsquo;t simple anymore&lt;/h2&gt;
&lt;p&gt;Start with the windscreen. Most cars built in the last five years carry a forward-facing camera behind the glass, sometimes a radar unit too, feeding lane-keep assist, adaptive cruise control and automatic emergency braking.&lt;/p&gt;
&lt;p&gt;Crack that windscreen and the repair is no longer a glazier turning up with a suction cup. The new glass goes in, then the camera has to be recalibrated and road tested before the safety systems trust what they&amp;rsquo;re seeing again. Skip that step and the car can think a lane exists where it doesn&amp;rsquo;t.&lt;/p&gt;
&lt;p&gt;Check your policy covers windscreen replacement specifically, including the recalibration. Plenty of policies still price glass as a stand-alone claim from the pre-ADAS era, and the gap between &amp;ldquo;new glass fitted&amp;rdquo; and &amp;ldquo;safety system actually working&amp;rdquo; is exactly where an unexpected bill lands.&lt;/p&gt;
&lt;h2 id=&#34;insure-the-wait-not-just-the-crash&#34;&gt;Insure the wait, not just the crash&lt;/h2&gt;
&lt;p&gt;Then there&amp;rsquo;s the wait itself. Car manufacturers run just-in-time inventory, which works brilliantly until the part you need isn&amp;rsquo;t in the country. Need a specific harness, sensor or trim piece that only ships from overseas? You&amp;rsquo;ve joined a queue with no fixed length, as that Nissan owner found out.&lt;/p&gt;
&lt;p&gt;EVs make it worse. Battery packs can&amp;rsquo;t be shipped by air under current freight rules, so a replacement not already sitting in an Australian warehouse comes by sea. That&amp;rsquo;s weeks, not days.&lt;/p&gt;
&lt;p&gt;Chinese EV brands add a further wrinkle. New models now arrive roughly every two years, often with bespoke interiors and ever larger digital screens that don&amp;rsquo;t carry over to the next generation. I&amp;rsquo;ve flagged this self-obsolescence problem before: fast model cycles suit buyers chasing the newest screen, and work against anyone needing a part for a car that&amp;rsquo;s already been superseded twice. It&amp;rsquo;s a similar red-tape trap to &lt;a href=&#34;https://www.drive.com.au/caradvice/the-weird-warranty-red-tape-catching-new-car-buyers-off-guard/&#34;&gt;the warranty conditions catching new buyers off guard&lt;/a&gt;, just further down the ownership timeline.&lt;/p&gt;
&lt;p&gt;This is why the replacement vehicle box on your insurance policy is worth ticking, even at the extra cost. Once you&amp;rsquo;re covered, the delay becomes the insurer&amp;rsquo;s problem rather than yours. Insurers carry far more weight with a distributor or dealer network than any individual owner ever will, and a hire car sitting on their account gives them a real reason to push for a fix or in some cases writing off you car so you can buy a new one!&lt;/p&gt;
&lt;hr&gt;
&lt;p&gt;The Guardian&amp;rsquo;s driving instructor got her money back eventually, after a consumer champion column did the chasing for her. Most of us don&amp;rsquo;t have a journalist on speed dial. Tick the boxes now, before the part you need is the one still sitting on a container ship.&lt;/p&gt;
&lt;p&gt;Sources:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;a href=&#34;https://www.theguardian.com/money/2026/jul/27/nissan-repair-car-driving-instructor&#34;&gt;I risk losing my livelihood because Nissan failed to repair my car&lt;/a&gt; - The Guardian&lt;/li&gt;
&lt;li&gt;&lt;a href=&#34;https://www.drive.com.au/caradvice/the-weird-warranty-red-tape-catching-new-car-buyers-off-guard/&#34;&gt;The weird warranty red tape catching new car buyers off guard&lt;/a&gt; - Drive&lt;/li&gt;
&lt;li&gt;&lt;a href=&#34;https://www.abc.net.au/news/2024-01-23/car-repair-wait-times-increase-mechanics-skill-shortage/103363916&#34;&gt;Car repair wait times increase as mechanic skill shortage bites&lt;/a&gt; - ABC News&lt;/li&gt;
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