Windscreen Claim Guide Malaysia: Process, Documents & Repairs

Windscreen broken

A cracked or chipped windscreen can happen unexpectedly, often from loose stones or road debris. When it does, many drivers immediately ask: “How do I claim windscreen insurance?”

If your motor insurance includes windscreen coverage, the claims process is usually straightforward. This guide explains how to claim windscreen coverage, the necessary documents, what photos to take, and how to avoid affecting you No Claims Discount (NCD).

Step 1: Check If Your Policy Includes Windscreen Coverage

Before making a claim, confirm that your motor insurance policy includes windscreen or glass coverage.

This add-on typically covers:

Front windscreen
Rear windscreen
Side windows
Quarter glass panels
Sunroof/panoramic roof (if listed in policy)

If you do not have windscreen coverage, the claim may be treated as a standard accident claim, which could affect your NCD.

Step 2: Take Clear Photos of the Damage

Most insurers require photos of the damaged windscreen before approving a claim.

Recommended photo angles include:

Full shot of the windscreen
Close-up of the crack or chip
Photo showing the vehicle registration number
Side angle showing the damage

Clear photos help speed up the claim approval process.

Step 3: Prepare the Required Documents

When submitting a windscreen claim, you will usually need:

Motor insurance policy details
Vehicle registration number
Copy of IC or identification
Photos of damaged windscreen
Workshop quotation (if required)

Some insurers or insurance platforms allow drivers to submit these document online for faster processing.

Step 4: Visit an Approved windscreen Workshop

Many insurers work with approved panel workshops that specialise in glass repair and replacement.

In most cases:

The insurer will recommend an authorised workshop, or
You can visit a panel windscreen repair centre

Using an approved workshop helps ensure faster claims approval and direct billing to the insurer.

Step 5: Repair or Replace the Windscreen

After inspection, the workshop will determine whether the glass can be repaired or needs replacement.

Repair may be possible if:

The chip is small
The crack is short
The damage is not in the driver’s line of sight

Replacement is required if:

The crack is large or spreading
Damage obstructs visibility
The windscreen structure is weakened

Modern vehicles also require specialised glass replacement if the windscreen includes sensors or driver-assistance cameras.

AI Generated Image: The process of a windscreen claim

How Long Does a Windscreen Claim Take?

Windscreen claims are usually quick

Typical timelines:

Repair: about 30 minutes to 1 hour
Replacement: around 1 to 3 hours depending on the vehicle model

If the claim amount is within the insured windscreen coverage, the workshop typically bills the insurer directly, so drivers do not need to pay upfront.

Tips to Avoid Losing Your No Claims Discount (NCD)

To ensure your NCD remains the unaffected, remember to:

Confirm your policy includes windscreen coverage
Submit the claim under the windscreen add-on
Use approved panel workshops
Ensure the claim does not exceed the insured windscreen amount

If the claim is made under your main motor policy instead, your NCD may be affected.

Save More When Renewing

Beyond windscreen coverage, some platform offers additional benefits that help drivers save on everyday car ownership costs

What Is Drive+ and Why It Matters

Drive+ is PolicyStreet’s car-owner membership program created to help Malaysians save money and reduce hassle when renewing car insurance and road tax online.

When renewing your car insurance with PolicyStreet, you can choose from three Drive+ membership tiers, starting from RM39.90, depending on how much you want to save.

Each Drive+ tier gives you a road tax discount every year:

Drive+ Lite: Up to RM50 off
Drive+ Standard: Up to RM90 off
Drive+ Premium: Up to RM120 off

Higher tiers offer bigger savings, making them especially worthwhile for drivers with higher road tax amounts.

Beyond road tax discounts, Drive+ members enjoy exclusive renewal discounts when using Atome or EPP payment options for car insurance. Members also benefit from waived road tax processing fees and access to exclusive member vouchers and perks. These benefits help drivers reduce upfront costs, avoid extra fees, and manage rising car expenses more effectively.

In short, Drive+ turns a routine insurance and road tax renewal into a smarter, more affordable car ownership experience.

Drive+ Membership Tiers and Bateriku Benefits

Beyond the headline savings, Drive+ comes with practical perks that make everyday car ownership easier.

One standout benefit is the RM40 Bateriku voucher you receive with every Drive+ renewal. This voucher can be used for car battery replacements through Bateriku, Malaysia’s on-demand battery service.

Typically, the RM40 value is structured as:

RM20 off a new battery
RM20 trade-in rebate

You can redeem it via the Bateriku app or at selected Bateriku service points. Drive+ vouchers can also be stacked with Bateriku promo codes available on their app or website (such as seasonal campaigns like CUTI40, subject to terms and conditions).

If your battery is due for a replacement, this perk alone can deliver real, immediate savings, not just discounts on paper.