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Hi ADY and welcome to Saabscene.

I'll move your post to the general non-tech Saab chat where it will get a bigger audience and hopefully, a useful response.

For my twopennerth, you really need to check the details of your policy as to what is covered by the glass section of it. It may be that the insurers are thinking it's a flexible plastic rear window, which could arguably be part of the bodywork as it's not glass
 
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