The weather and road conditions in Malaysia increase the likelihood of windscreen damage. Many drivers believe windscreen chips are “minor issues,” but if left untreated, they may endanger safety and vision and possibly require expensive repairs.
This guide will explore the details of windscreen coverage in Malaysia. We will cover the costs, benefits, and key considerations to help you decide if this add-on is right for you.
What is Windscreen Coverage?
Windscreen coverage is an optional add-on that you can purchase with your comprehensive car insurance policy. It specifically covers the cost of repairing or replacing your windscreen if it is damaged.
If you do not have this add-on, any windscreen damage claim will go through your main comprehensive policy, which means you could lose your No Claim Discount (NCD).
How Much Does Windscreen Cover Cost?
Windscreen insurance in Malaysia typically costs around 15% of the total sum insured, making it a relatively affordable add-on to your car insurance policy.
For Example:
If you insure your windscreen for RM1000, your annual premium for this coverage would only be RM150.
✅This small investment can help you avoid paying a much bigger expense later.
How To Claim Windscreen Coverage?
If your car’s windscreen is damaged and you need to file a claim under your windscreen insurance cover, follow these steps:
- Contact Your Insurers
Contact your insurance company as soon as you notice the damage. Most insurers offer a dedicated claims hotline. Have your policy details available when you call.
- Prepare Required Documents
Gather the following documents to support your claim:
- Car owner’s identity card (MyKad)
- Car owner’s driving licence
- Vehicle registration card (VOC)
- Insurance policy
- Repair or Replacement
After you submit the required documents, the approved repair shop will repair or replace your windscreen. The shop will coordinate directly with your insurer to process the claim.
Key Benefits of Having Windscreen Coverage
Below are the main advantages of windscreen coverage, each highlighting a specific area of protection.
- Financial Savings
Windscreen replacement can be expensive, particularly for vehicles with built-in sensors or cameras. However, windscreen coverage protects you from these high out-of-pocket costs.
- No Claim Discount (NCD) Protection
Without this add-on, a windscreen claim under a standard policy usually resets your NCD to 0%, resulting in higher premiums the next year. With coverage, your NCD remains unaffected after a claim is filed.
- Ensures Safety
When your windshield is chipped or cracked, it weakens your car’s structure, which is very important for safety, especially in crashes where the windshield provides up to 60% of support. Windshield coverage lets you get repairs done quickly and professionally, keeping you safe.
- Convenience
The windscreen coverage offers a simple claims procedure with minimal documentation and cashless options at approved workshops. Many car insurance providers minimize your car’s downtime by providing 24/7 support and even mobile repair services.
- Comprehensive Glass Protection
Most windscreen coverage add-ons extend beyond the front windscreen. They also include the back windshield, side windows, sunroof glass, and any attached tinting or security film.
When You Don’t Need Windscreen Coverage?
Most drivers will benefit from having windscreen coverage, but there are some situations where it might not be as important.
🛻Old or Low-Value Cars: If your car is old and has low market value, it may not qualify for comprehensive insurance, or the windscreen replacement cost may be low enough to be covered by you without an additional premium.
❌Limited Driving: If you rarely drive your vehicle, then the 15% (approximate) annual premium cost is less justifiable.
Conclusion
So, is windscreen coverage worth it in Malaysia? For many drivers, the answer is YES! With the relatively low premium and the high cost of windscreen repairs, this add-on can help you avoid unexpected expenses while protecting your No Claim Discount (NCD).
When you renew your car insurance, consider adding windscreen coverage for extra peace of mind. Renew your car insurance and add windscreen coverage easily with Keyplus malaysia to ensure your vehicle stays fully protected on Malaysia’s roads.
⁉️FAQs
Where To Purchase Windscreen Insurance?
When renewing your car’s insurance online, through your agent, or at Key Plus, you can purchase a windscreen cover add-on. You can also purchase the windscreen cover anytime as long as your car’s insurance policy is still valid.
How Many Times Can You Claim?
You can claim multiple times until you reach the total sum insured. If your claim has not reached the full sum insured, you may continue to get coverage for the remaining amount.
Does a claim affect my NCD?
No, claiming for windscreen damage under a dedicated add-on policy does not affect your No Claim Discount (NCD) in Malaysia.
How much does it cost?
The premium is usually 15% of the total sum insured for the windscreen.