The Windscreen Add-on: Why It Matters for Your Car Insurance
You’re driving behind a lorry on the NKVE when suddenly, a stone flies out and crack — your windscreen now has a spiderweb fracture.
This is one of the most common car insurance claims in Malaysia, yet many drivers are still confused about how windscreen coverage actually works.
A common misconception is that claiming under your main comprehensive policy will automatically reset your No Claim Discount (NCD). In reality, it depends on whether you have a windscreen add-on and how the claim is made.
Does a Windscreen Claim Affect NCD in Malaysia?
If you have a windscreen add-on, claiming for windscreen damage will typically not affect your NCD. The claim is processed separately from your main comprehensive policy.
However, if you do not have windscreen coverage and choose to claim under your main policy for accidental damage, it may affect your NCD because it is treated as an own-damage claim.
That’s why many car owners choose to add windscreen coverage during policy renewal, especially since modern windscreens can be expensive to replace.
Why Windscreen Coverage Is Worth Considering
Today’s windscreens are more than just glass. Many newer vehicles include features such as:
ADAS cameras
Rain sensors
Lane assist systems
Special UV or soundproof glass
Because of this, replacement costs can range from hundreds to several thousand ringgit depending on the vehicle model and specifications.
A windscreen add-on helps cover the repair or replacement cost without requiring you to claim under your main policy.
How Much Does Windscreen Coverage Cost?
Windscreen coverage is usually added based on the insured value you choose for the glass. The premium is commonly around 15% of the coverage amount, before applicable taxes and fees.
The amount you need depends on your car model and whether you want to include tinting film coverage as well, since standard windscreen coverage usually only cover the glass itself.
If your vehicle has expensive tinting or security film, you should declare the tint value when purchasing the add-on so it can be included in the coverage amount.
Can You Claim More Than Once?
Yes, but after a claim is made, the windscreen coverage amount is usually reduced or exhausted.
To continue enjoying coverage for the rest of the policy period, you may need to reinstate the windscreen coverage by paying an additional premium.
Can Small Chips Be Repaired Instead of Replacing the Whole Windscreen?
Yes. Small chips or cracks are often repairable if treated early.
Some insurers may allow chip repairs without fully utilising the windscreen coverage limit, depending on the claim terms and repair method used.
Do You Need to Use a Panel Workshop?
Many insurers recommend or require approved panel workshops for smoother claim processing and cashless repairs.
If you use a non-panel workshop, you may need to pay first and submit reimbursement documents later, subject to the insurer’s approval process.
Protect Your Windscreen Before You Need It
A cracked windscreen can happen unexpectedly, especially during long-distance travel or highway driving. Adding windscreen coverage during your car insurance renewal can help reduce out-of-pocket costs and protect your NCD from unnecessary own-damage claims.
You can compare car insurance plans and optional add-ons through PolicyStreet to find coverage that suits your needs.
Drive+ : The Super Reliable Way to Save
At PolicyStreet, we make sure you are fully protected. Our Drive+ Membership encourages drivers to be smarter about their coverage. With up to RM120 road tax discount from our Drive+ Premium tier, you essentially cover the cost of your windscreen add-on for the year.
All our members also enjoy waived road tax handling fees and a RM40 Bateriku voucher, ensuring that while your glass is being fixed, the rest of your car is running perfectly.
Calculate your savings with PolicyStreet.
Frequently Asked Questions
Can I claim for my windscreen more than once a year?
Your windscreen coverage is usually a "one-off" benefit per premium paid. Once you make a windscreen claim, the coverage is exhausted. You must pay an additional premium to "reinstate" the coverage for the remainder of the policy year.
Does the add-on cover the tinting film as well?
Most standard windscreen add-ons only cover the glass. To cover expensive solar or security tint, you must specify the value of the tinting when purchasing the add-on and pay a slightly higher premium.
Can I repair a small chip instead of replacing the whole windscreen?
Yes, many insurers prefer "Glass Repair" for small chips. The best part? Repairing a chip usually doesn't exhaust your windscreen limit, meaning you can still claim for a full replacement later if the crack spreads.
Is it mandatory to go to a "Panel" workshop for windscreen replacement?
To enjoy a "cashless" experience where the insurer pays the workshop directly, you must use an authorized panel. If you go to a non-panel shop, you will likely have to pay first and seek reimbursement, which can take weeks.
