When we bought my VX, it already had cracks in the insert. The hood has never been replaced. I think that if your insert hasn't cracked by now and you've had it for a year or more, you're probably in the clear.
Thank you to everyone who has offered to help. I'll be making an appointment to have the insert replaced - for the last time - this week. I'll take the information you all have given me and keep you posted.
Thanks again