Windscreen Coverage in Malaysia: Why New Drivers Shouldn’t Skip This Add-On
If you’re a new driver in Malaysia, choosing the right car insurance can feel overwhelming. Between understanding your insurance policy, managing costs, and protecting your NCD, it’s easy to overlook add-ons that actually make a big difference — like windscreen coverage.
At first glance, it may seem optional. But in reality, windscreen damage is one of the most common (and expensive) issues drivers face.
Why Windscreens Get Damaged So Easily
Malaysian road conditions increase your risk of:
Flying debris from trucks
Loose gravel
Sudden cracks from temperature changes
Even a small chip can quickly spread into a full crack — requiring full replacement.
What Is Windscreen Coverage?
Windscreen coverage is an insurance add-on that specifically protects:
Front and rear glass
Side windows
Sunroof (depending on policy)
Without it, windscreen damage falls under standard claims — which affects your NCD.
The Key Advantage: Protecting Your NCD
One of the biggest benefits is simple:
Windscreen claims do NOT affect your NCD.
So if you’re asking:
“Does a windscreen claim affect my NCD Malaysia?”
The answer is no — as long as it’s claimed under the windscreen add-on.
How Many Times Can You Claim?
Another common question:
“How many times can I claim windscreen insurance in a year?”
Typically:
You can claim multiple times
Total claims are capped by your coverage amount
Example:
If your windscreen coverage is RM1,500, you can claim until that limit is reached.
Why New Drivers Should Prioritise This Add-On
New drivers are more exposed to:
Highway driving
Unfamiliar road conditions
Close following distances
This increases the likelihood of windscreen damage — making this add-on highly practical.
Cost vs Benefit: Is It Worth It?
Windscreen coverage usually costs:
Around 15% of the coverage amount
Example:
RM1,000 coverage = ~RM150 premium
Compare that to:
RM800–RM2,000 for replacement
It’s a relatively small cost for significant protection.
When You Don’t Have Windscreen Coverage
Without the add-on:
You must claim under Own Damage
Your NCD is affected
You may need to pay excess
This is why many drivers prefer to structure their insurance policy properly from the start, especially when renewing through platforms.
How Drive+ Adds More Value
Windscreen coverage protects your NCD — but Drive+ helps reduce overall costs:
Road tax discounts (up to RM120)
EPP/Atome savings
Free road tax handling
Battery replacement vouchers
Together, these make car ownership more predictable and manageable.
Common Mistakes New Drivers Make
Avoid these:
Skipping windscreen add-on to save cost
Under-insuring coverage amount
Not checking what glass components are included
A small oversight can lead to large unexpected expenses later.
Frequently Asked Questions
Does a windscreen claim affect my NCD in Malaysia?
No, as long as you claim under the windscreen add-on, your NCD remains unaffected. This makes it one of the most valuable add-ons for protecting your long-term premium.
How many times can I claim windscreen insurance in a year?
You can claim multiple times, but total claims must stay within your coverage limit. Once the limit is reached, you’ll need to top up or pay out-of-pocket.
Is windscreen coverage included in standard car insurance?
No, it’s an optional add-on that must be selected separately. Without it, windscreen damage is treated as an Own Damage claim.
How much windscreen coverage should I get?
It depends on your car model, luxury cars typically require higher coverage. A safe estimate is the full replacement cost of your windscreen.
