As a former insurance claims manager I can confirm that whilst this crack being caused by a dodgy suspension theory might suit other arguments promulgated by some persons in this forum it is highly unlikely to be a contributory factor. The Association of British Insurers and its Thatcham based research centre would be all over this if actual claims evidence suggested there was an inherent fault. Remember that all claims data is now mutually shared across the industry, and over twelve months, hence statistically significant data, is available.
Whilst a large stone will typically cause an impact crater, a tiny stone hitting a windscreen at motorway speeds often won’t. Windscreens are laminated, contain heating elements and are surprisingly strong, and in these circumstances will often crack from the point of impact before potentially disintegrating into tiny non-sharp fragments. That secondary risk is the reason why this screen needs prompt replacement. It would also be an MOT failure if the car was of sufficient age. Insurers recognise such episodes as being unfortunate and one that cannot be mitigated by the insured driver. Hence, where windscreen cover is included, tend to NOT penalise the customer by loss of no claims discount, albeit an excess might apply. Frankly, many small stone chips are repairable by firms such as Autoglass, suffice to prevent a small chip deteriorating into a greater crack like this. But here, the crack was an immediate consequence and prompt replacement is essential.
All routine stuff for insurers and premiums are priced accordingly. Let’s not create any new CX-60 suspension drama. It’s a cracked windscreen!
Not sure I could ever trust an 'former insurance claims manager', the very person who will ensure they will do anything they can to protect the assets of the business and industry they work for. Literally one of the lowest moral and poor ethic industries there is, we all know the car insurance industry is a racket, so it's certainly not going to win any points on a motoring forum stating this. I remember how you wrote you were denying claims because of declared modifications on another thread.
As the vehicles have been out for a short time, it's unlikely any investigations will have taken place as yet. It will be interesting to see if this changes due to the level of cracked windscreens happened.
Blae - Ive PM'd you a link where you can read stories about similar CX60 cracked windscreens. Its worth googling stress fractures alongside stone chip ones, so you can make your own mind up. One has to think, why such a TINY stone chip, if it is one, causes an elongated cracks when you can see vehicles running with literal craters on their screens with no cracks. The pressure and exertion placed on a screen is immense, it makes up 45% of structural integrity. Compare that with poor roads, and overly reactive suspension that has little give and as you find 'bounces' and a lot of that additional stress is all transferred through the screen. It finds a tiny weakness, and boom. If you were running super soft plush suspension, I highly doubt it would happen as the additional stresses are reduced and 'comforted' (mitigated elsewhere). Its all very simple if you have ever built cars before. Run an older car say on firm coilovers and you can see the same thing happening.
Still, just a hypothesis, but one born out of scenarios witness and experience.
Now it could be that Mazda have a QC issue with their screens as well, so the two combined, not good.
Also, it's very well know that insurer premiums are raised for no fault claims - and this includes windscreen claims when with claims protection. Mine went up £75 because of it due a stone chip but Autoglass stating the whole screen needing replacing because it was in the line of vision and I have a friend who found £200 increase due to two windscreen claims. The insurers will tell often tell you you they don't increase premiums by they do often covertedly, and when challenged do state why. It's a very crooked industry so don't be surprised next year if you see an increase. It won't be mega, but it may be there.
Be careful driving with it, as even though its not in your field of view, if an accident happened, you know full well your insurers will use it as an excuse not to pay out, and the Police 'may' claim it contributed to it.
Either way, just get it sorted, you have too. But keep us posted if Mazda have finally sorted the lack of replacement screens as it will be good info for the other group.
