Windscreen insurance is an optional add-on to your car insurance policy that covers the repair or replacement of your vehicle’s glass parts \u2014 without affecting your No Claim Discount (NCD).<\/p>\n\n\n\n
Even a small crack in the windscreen can cost you hundreds of ringgit. That\u2019s where this rider comes in handy. You pay a small premium (around 15% of the windscreen\u2019s insured value), which in turn<\/strong> helps you avoid out-of-pocket expenses later.<\/p>\n\n\n\n Here\u2019s a list of parts typically covered under a windscreen insurance policy in Malaysia:<\/p>\n\n\n\n \ud83d\udccc Important:<\/em> Always ask your insurer to confirm exactly what is included in your coverage.<\/p>\n\n\n\n To make a claim:<\/p>\n\n\n\n \ud83d\udca1 Tip:<\/em> Windscreen claims do not affect your NCD, but you must re-endorse the coverage if you use it mid-policy.<\/p>\n\n\n\n Typically, the premium is around 15%<\/strong> of your windscreen\u2019s insured value. For example:<\/p>\n\n\n\n You can choose the sum insured, but make sure it’s accurate \u2014 under-insuring can cause delays or reduced claim approval.<\/p>\n\n\n\n Always opt for panel workshops<\/strong> \u2014 claims are faster, smoother, and fully covered. Yes \u2014 especially in Malaysia where road debris, motorcyclists, and unpredictable weather increase the risk of windscreen damage.<\/p>\n\n\n\n For less than RM200 a year, you can protect a component that costs up to RM2,000 to replace. It\u2019s a no-brainer add-on that saves money and stress.<\/p>\n\n\n\n Checkout latest price here <\/p>\n\n\n\n\ud83e\uddfe What Does Windscreen Insurance Actually Cover?<\/h3>\n\n\n\n
\ud83d\ude97 Covered Components<\/strong><\/th> \ud83d\udccc Remarks<\/strong><\/th><\/tr><\/thead> Front Windscreen<\/td> Fully covered<\/td><\/tr> Rear Windscreen<\/td> Fully covered<\/td><\/tr> Side Windows (Left & Right)<\/td> Fully covered<\/td><\/tr> Quarter Glass<\/td> Covered<\/td><\/tr> Sunroof \/ Moonroof<\/td> Covered (if installed by manufacturer)<\/td><\/tr> Rear View Mirror (Glass portion only)<\/td> Only if it’s part of the windscreen assembly<\/td><\/tr> Window Tint Film<\/td> Covered, subject to policy terms<\/td><\/tr> Smart Tag Holder (if attached to glass)<\/td> May be included \u2014 check with your insurer<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n \u274c Windscreen Insurance in Malaysia Doesn\u2019t Cover<\/h3>\n\n\n\n
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\ud83d\udccb Claiming Your Windscreen Insurance<\/h3>\n\n\n\n
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\ud83d\udcb8 How Much Does Windscreen Insurance Cost?<\/h3>\n\n\n\n
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\ud83d\udee0\ufe0f Panel Workshops vs. Non-Panel<\/h3>\n\n\n\n
If you go outside the panel list, you may have to pay first and get reimbursed later (and that\u2019s never fun).<\/p>\n\n\n\n\ud83e\udde0 Final Thoughts: Is Windscreen Insurance Worth It?<\/h3>\n\n\n\n