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
Return evil for evil to no one...as far as it depends upon YOU, be peaceable with all men. Romans 12:17, 18