✅ What Is Windscreen Insurance?
Windscreen insurance is an optional add-on to your car insurance policy that covers the repair or replacement of your vehicle’s glass parts — without affecting your No Claim Discount (NCD).
Even a small crack in the windscreen can cost you hundreds of ringgit. That’s where this rider comes in handy. You pay a small premium (around 15% of the windscreen’s insured value), which in turn helps you avoid out-of-pocket expenses later.
🧾 What Does Windscreen Insurance Actually Cover?
Here’s a list of parts typically covered under a windscreen insurance policy in Malaysia:
| 🚗 Covered Components | 📌 Remarks |
|---|---|
| Front Windscreen | Fully covered |
| Rear Windscreen | Fully covered |
| Side Windows (Left & Right) | Fully covered |
| Quarter Glass | Covered |
| Sunroof / Moonroof | Covered (if installed by manufacturer) |
| Rear View Mirror (Glass portion only) | Only if it’s part of the windscreen assembly |
| Window Tint Film | Covered, subject to policy terms |
| Smart Tag Holder (if attached to glass) | May be included — check with your insurer |
📌 Important: Always ask your insurer to confirm exactly what is included in your coverage.
❌ Windscreen Insurance in Malaysia Doesn’t Cover
- Scratches that don’t affect visibility
- Cracks caused by modifications or improper tinting
- Damage during illegal parking or off-road use
- Non-factory fitted glass (e.g., aftermarket sunroof)
📋 Claiming Your Windscreen Insurance
To make a claim:
- Visit a panel workshop approved by your insurer.
- Provide your MyKad, driver’s license, insurance cover note, and policy.
- Let them inspect and process the replacement — no cash upfront needed.
💡 Tip: Windscreen claims do not affect your NCD, but you must re-endorse the coverage if you use it mid-policy.
💸 How Much Does Windscreen Insurance Cost?
Typically, the premium is around 15% of your windscreen’s insured value. For example:
- If your windscreen is worth RM1,200 → Premium = RM180/year
You can choose the sum insured, but make sure it’s accurate — under-insuring can cause delays or reduced claim approval.
🛠️ Panel Workshops vs. Non-Panel
Always opt for panel workshops — claims are faster, smoother, and fully covered.
If you go outside the panel list, you may have to pay first and get reimbursed later (and that’s never fun).
🧠 Final Thoughts: Is Windscreen Insurance Worth It?
Yes — especially in Malaysia where road debris, motorcyclists, and unpredictable weather increase the risk of windscreen damage.
For less than RM200 a year, you can protect a component that costs up to RM2,000 to replace. It’s a no-brainer add-on that saves money and stress.
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👉 Renew or Add Windscreen Insurance with MetaFin
Already have car insurance or looking to renew? Use MetaFin to compare, customize, and add windscreen coverage easily.
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