Everything You Need to Know About Windscreen Insurance Coverage

One of the most common sights that we have come across is cars having had to pull over by the side of the road due to completely smashed up windscreen. More often than not, they are caused by the stones on the road that get thrown up by moving cars or little pebbles falling off from the back of trucks. No matter how careful you are as a driver, there is no way to avoid these dangerous little projectiles.

Having a valid car insurance is a must if you want to take your car out on the road unless you don’t mind paying for a hefty fine. But many don’t realize that the car insurance plans that they purchase do not by default cover for losses and damages of their car windscreen and glass windows. That’s right. This means without the right insurance cover, your smashed windscreen is likely to cause an unpleasant financial setback.

What is a windscreen insurance cover?

Windscreen insurance is an add-on coverage to your main car insurance policy. It covers your front and back windscreens, all door window and sunroof glass window. Windscreen insurance will cover the cost needed to repair or replace these glass parts in case they are damaged. Having this add-on cover, you do not need to pay for the repair or replacement cost yourself. This is useful not only because it is expensive to replace your windscreen, but also windscreens are the most susceptible part of your car to get damaged by flying objects.

Third party cover: Your insurance policy will pay for the damages you caused on others, such as damages to their cars or properties, their bodily injuries and death.

Third party, fire and theft: This is where your insurance policy covers not only everything that is covered by a third party policy, but also the cost of damages of your own vehicle due to fire and theft.

Comprehensive cover: This is the most comprehensive type of car insurance policy where it covers all of the above, as well as covers your losses and damages on your own vehicle due to an accident. The only type of car insurance plan that offers windscreen cover.

How can you get it?

Whenever you renew your car insurance (remember, only comprehensive cover), let your agent know that you’d like to add this cover to your main policy. But don’t worry, your insurance agent will usually remind you if you forget. If you normally renew on your own via online or at the post office, just be sure to include this in.

However, this add-on cover does not necessarily be purchased when you are renewing your car policy. Instead it can be done anytime. So this would be a good time to check if your existing car policy has this add on cover. If it doesn’t, just inform your agent or call your insurance company.

How much does it cost?

This additional cover will cost you 15% of the sum insured for your windscreen. For instance, if the price to replace your car’s windscreen is estimated to be around RM 1,000, you will need to pay an additional RM 150 (15% of RM 1,000) on top of your comprehensive car insurance premium.

To help you understand on the cost benefits, imagine if you’ve had an accident where your windscreen is broken.

Without a windscreen insurance

  • Although you save RM 150, you will have to pay RM 1,000 yourself to get it replaced.
  • Alternatively, you may choose to claim from your comprehensive cover to replace the broken windscreen. But the major disadvantage here is that you will lose your NCD. This causes a bigger loss as your NCD resets to zero and your car insurance premium becomes more expensive the following year.
  • To help you understand on the cost benefits, imagine if you’ve had an accident where your windscreen is broken.

With a windscreen cover

  • Although you would have to spend an additional RM 150 for windscreen cover, but in case of an accident such as this, you save RM 850.

  • You can claim from your windscreen plan while leaving your main comprehensive policy untouched. No change in your NCD means more cost saving to you.

A claim made for damages to your vehicle’s windscreen under events covered by your insurer.

There are two types of windscreen claims:

  1. Replacement: Complete replacement of the windscreen. Only ONE windscreen claim may be made throughout the period of your policy unless you reinstate the windscreen cover with an additional premium.
  2. Repair: A claim for repairs to the windscreen. The claimed amount will be deducted from the sum insured for the windscreen. You can reinstate the amount by paying an additional premium or maintaining the balance after the claim.

You can claim for repair or replacement without affecting your No Claim Discount (NCD).

How to make a Windscreen Claim

Whatsapp our customer service at 012-7019092 to report a claim.

Supporting Documents needed to process the Insurance claim:-

  • Copy of policyholder’s IC & valid driving licence. (Front & back)
  • Copy of driver’s IC & valid driving licence required if policyholder was not the driver at the time of accident. (Front & Back)
  • Copy of updated vehicle’s registration card / vehicle ownership certificate (VOC).
  • Copy of insurance policy.
  • Copy of business form (if registered under company name) together with company Chop.
  • Police report is required for the following insurance Company as standard procedure (AXA, Pacific & oriental, MPI Generali & Tokio Marine)

How long does it take?

  • Once your Insurance policy claim is processed and approved, we will make an appointment with the policyholder when it is convenient for the policyholder to get the glass change complete with our window tint at our Flagship store in Bandar Sunway.
  • The entire process will take approximately 2 hours to complete. You can relax at our pleasant waiting area while waiting for the process to be completed.
  • The policyholder does not need to pay any single cent for the replacement of the windscreen. All the policyholder needs to do is sign the relevant documents upon collection of the car in good order.