Have you ever been driving in Malaysia and heard that dreaded ping or crack against your windscreen?
It’s a frustrating and all-too-common experience.
Small chips and cracks are inevitable thanks to road debris like stones and pebbles, and ignoring them can be dangerous, reducing your visibility and safety on the road.
That’s where windscreen cover for car insurance in Malaysia comes in.
In this guide, I’ll walk you through everything you need to know about this optional coverage—so you can make an informed decision, protect your wallet, and most importantly, keep your No Claim Discount (NCD) intact!
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- What You Should Know about Motor Insurance in Malaysia
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- Understanding Your Car Insurance No Claim Discount (NCD) in Malaysia
What is a Windscreen Cover?
Windscreen cover is an optional add-on to your main comprehensive car insurance policy.
It specifically covers the costs of repairing or replacing your car’s windscreen and other glass components.
This coverage typically includes:
- Front windscreen
- Rear windscreen
- All door windows and quarter glass
- Original sunroof glass (not modified)
Look for Endorsement 89 in your policy—this clause ensures coverage for breakage of glass in windscreens, windows, and sunroofs.
With this add-on, you won’t have to bear the full cost of windscreen repairs or replacement yourself!
Why Should You Consider Windscreen Cover?
1. Financial Protection
Windscreen replacements can be expensive, ranging from a few hundred to over a thousand Ringgit, depending on your car model and whether your windscreen has advanced features like sensors.
Without insurance, that’s money coming straight out of your pocket.
2. Preserving Your No Claim Discount (NCD)
This is the biggest reason why many people opt for windscreen cover in Malaysia.
If you claim for windscreen damage under your main car insurance policy, your NCD resets to 0%, meaning higher premiums the next year.
With windscreen cover, however, you can claim without affecting your NCD, helping you save money in the long run.
3. Cost-Effective in the Long Run
The premium for windscreen coverage is relatively low compared to the potential cost of replacement.
For instance, paying an extra RM150 per year could save you RM1,000 or more if your windscreen gets damaged.
How Much Does Windscreen Cover Cost?
The premium is usually 15% of the sum insured for your windscreen. Here’s an example:
- If your windscreen is insured for RM1,000, your additional premium would be around RM150 per year.
A small price to pay for peace of mind!
When Might You Need to Claim Windscreen Cover?
Windscreen damage can happen for several reasons, including:
- Flying debris (stones, gravel kicked up by other vehicles)
- Accidents
- Bad weather (heavy rain, hail, or strong winds)
- Extreme temperatures (causing existing chips to expand)
Common types of windscreen damage include:
- Cracks – fine lines in the windscreen
- Chips – small chunks of glass missing
- Bullseye – a circular chip with a cone in the outer layer
- Stars – small chips with cracks radiating outwards
- Combination break – severe damage from an impact or accident
How to Make a Windscreen Cover Claim?
The claims process is usually straightforward:
- Contact Your Insurance Provider – Inform them as soon as you notice damage.
- Visit a Panel Workshop – Your insurer will direct you to an approved repair shop.
- Provide Necessary Documents – Bring these along:
- Vehicle owner’s MyKad
- Vehicle owner’s driving licence
- Car grant (Vehicle Registration Card)
- Insurance cover note or policy
- For company-registered vehicles, additional documents like business registration may be required.
- The Workshop Handles the Claim – In most cases, you won’t need to pay upfront. The workshop will manage the claim directly with your insurer.
Important Things to Keep in Mind
- You Need Comprehensive Coverage – Windscreen cover is usually an add-on to a comprehensive car insurance policy.
- Claim Frequency – Most policies allow one claim per year, but some allow multiple claims if they don’t exceed the insured amount.
- Coverage Limit – Once you hit your sum insured limit, your windscreen coverage ends for the year.
- Tinted Film – Some insurers cover tinted solar film replacement, but you should check your policy details.
How to Get Windscreen Cover?
You can add this coverage when you purchase or renew your car insurance. Here’s how:
- Through an agent – Just inform them that you want windscreen coverage.
- Online platforms like Bjak or Loanstreet usually provide an option to add windscreen cover before checkout.
- Mid-policy Add-On – Some insurers allow you to add this coverage anytime during your policy period, so check with your provider.
Related Posts:
- Car Insurance Claims in Malaysia
- Understanding Car Insurance Deductible and Excess
- Understanding Special Perils (Natural Disasters) Coverage for Car Insurance
- Guide to Understanding Types of Insurance in Malaysia
Conclusion
Windscreen damage is common in Malaysia, and repairs can be expensive.
Windscreen cover provides valuable financial protection for a relatively low cost, and most importantly, it lets you claim for repairs without losing your No Claim Discount (NCD).
For peace of mind and to safeguard your finances, consider adding windscreen cover to your comprehensive car insurance policy when you renew or purchase coverage.
A small yearly investment can save you from a big, unexpected expense down the road!
Do you have windscreen cover? Have you ever had to make a claim? Share your experiences in the comments below!
