A Guide to Windscreen Coverage in Malaysia
A chipped or cracked windscreen can happen anytime, from loose gravel on highways to debris kicked up by other vehicles. While the damage may seem small at first, it can quickly spread and compromise visibility and safety.
That’s why many drivers choose to add windscreen protection to their motor insurance policy so they can repair or replace their windscreen without paying the full cost out-of-pocket.
Here’s a quick guide to how windscreen coverage works in Malaysia, how claims affect your No Claims Discount (NCD), and what to expect during the claim process.
What Is Windscreen Insurance?
Windscreen coverage is an add-on to your motor insurance policy that protects the glass parts of your vehicle.
Depending on your policy, this may include:
Front windscreen
Rear windscreen
Side windows
Quarter glass panels
Sunroof or panoramic roof (if specified)
Without this add-on, windscreen damage is usually treated as a standard accident claim, which may affect your NCD.
However, with windscreen coverage, repairs or replacements are typically handled without impacting your NCD, as long as the claim stays within the insured windscreen amount.,
Repair vs Replacement
Not every crack requires a full replacement.
Repair is usually possible when:
The chip is small
Then crack is short
The damage is not in the drivers line of sight
Technicians inject resin into the glass to stop the crack from spreading.
Replacement is needed when:
The crack is large or spreading
The damage blocks the driver’s view
The windscreen structure is weakened
In these cases, the entire windscreen must be replaced for safety.
Does A Windscreen Claim Affect NCD?
One key benefit of windscreen coverage is that claims usually do not affect your NCD. Normally, insurance claims reduce your NCD, but windscreen claims made under the dedicated glass coverage add-on typically do not impact your NCD, as long as the claim amount is within the insured limit.
Without this add-on, claiming for windscreen damage under your main policy may reduce your NCD.
What IS Windscreen Excess?
Some policies include a windscreen excess which is the amount you must pay before the insurer covers the remaining cost. There are some insurers that offer zero-excess glass, which removes this upfront payment entirely.
AI Generated Image: Infographic showing windscreen coverage
Windscreen Claim Process (Quick Checklist)
If your windscreen is damaged, the process is usually straightforward:
Assess the damage: Check if repair or replacement
Contact your insurer or insurance platform
Visit an approved workshop recommended but your insurer
Submit your documents (policy details and photos of the damage)
Repair or replace the glass, usually billed directly to the insurer
Get More Value From Your Car Insurance and Road Tax
While insurance and road tax are part of the cost of owning a car, PolicyStreet offers benefits that help drivers get more value from their renewals.
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.
Key Takeaway
Windscreen damage may seem minor, but replacing automotive glass can be costly, especially for newer vehicles with sensors and cameras built into the windscreen.
Adding windscreen coverage to your motor insurance can help you repair or replace damaged glass without affecting your NCD.
At the same time, Drive+ membership can help drivers save more on routine costs like road tax, insurance, renewals, and battery replacements. So, before renewing your motor insurance be sure to check the coverage included in your insurance policy and if add-ons could make your overall car ownership experience more affordable.
