Why Windscreen Insurance is a Must for ADAS Cars in 2026
A small stone hits your windscreen and you hear a crack. No big deal, right?
That might’ve been the case a few years ago, when replacing windscreen costs RM300 to RM500.
But in 2026, that same “minor” damage could cost you RM2,000 to RM3,000 (or more).
Why? Because modern cars aren’t just glass anymore, they’re packed with ADAS (Advanced Driver Assistance Systems).
What Changed: It’s Not Just Glass Anymore
Today’s windscreen often come with built-in systems like:
Lane departure warning
Autonomous emergency braking systems
Forward collision sensors
These systems rely on cameras and sensors mounted behind your windscreen. So when your windscreen cracks, it’s not just a glass replacement, it’s a technology reset.
The Hidden Cost: ADAS Calibration
After replacing a windscreen in an ADAS-equipped car, recalibration is required to ensure your safety systems work properly.
The process:
Aligns camera and sensors
Ensures features like auto braking function accurately
Requires specialised and trained technicians
But, here’s the catch:
Windscreen replacement: RM800-RM1,500
ADAS calibration: RM500-RM1,500+
That’s how a small stone chip can turn into a RM3,000 problem.
Why Windscreen Insurance Matters More Than Ever
Many drivers still skip windscreen coverage to save money, but that decision can backfire.
A proper windscreen add-on allows you to:
Replace or repair your windscreen without affecting your NCD
Avoid large out-of-pocket costs
Claim multiple times (up to your coverage limit)
This is especially important if you’re enjoying a 55% NCD because losing that discount would cost you far more in the long run.
The #1 Benefit Most Drivers Overlook
Here’s what most people don’t realise:
Windscreen claims do NOT affect your NCD, as long as you have this add-on.
This means you can:
Fix chips early before they spread
Replace your windscreen when needed
Maintain your full NCD
Without this add-ons, you’re stuck choosing between:
Paying out-of-pocket, or
Risking your NCD with a standard claim
How Much Coverage Do You Actually Need?
Not all windscreen coverage is equal.
If your coverage is too low, you’ll need to top up the difference yourself.
For ADAS cars, it’s safer to:
Choose higher coverage limits
Account for both glass and calibration costs
This ensures you’re fully protected when it matters.
Good Coverage for a Peace of Mind
In 2026, a windscreen isn’t just a piece of glass, it’s part of your car’s safety system.
Ignoring a small chip can lead to:
Safety risks from misaligned sensors
Bigger financial impact later
Having the right windscreen coverage isn’t an extra, it’s becoming a necessity for modern drivers.
Frequently Asked Questions
1. Does windscreen claim affect my NCD in Malaysia?
No. Windscreen claims do not affect your NCD as long as you have windscreen coverage included in your policy.
2. Why is windscreen replacement more expensive in 2026
Modern cars use ADAS sensors and cameras mounted on the windscreen, which require recalibration after replacement, significantly increasing total costs.
3. How much windscreen coverage should I choose?
For newer or ADAS-equipped cars, it’s recommended to choose at least RM2,000-RM3,000 coverage to account for both replacement and calibration costs.
