
Damaged windscreen is usually caused by the stones on the road that get thrown up by moving cars or small rocks falling off from the back of the construction trucks. No matter how meticulous you are as a driver, these types of incidents are inevitable.
Having a valid car insurance is vital if you want to take your car out on the road unless you don’t mind forking out your money for a hefty fine. By default, many do not realize that the car insurance plan that they have purchased does not cover losses and damages of their windscreen and glass windows. Thus, without being covered under the right insurance plan, your damaged windscreen is likely to cause you a serious financial setback. Therefore, it is significant to make the right decision as the saying goes “think twice before you do something you might regret”.
Take a look on the outlines below to know what is covered under this article:
- What Is Windscreen Insurance Coverage?
- How To Replace Windscreen & Claim For Windscreen Coverage?
- How To Determine The Right Sum Insured For My Windscreen?
- How Much Does It Cost?
- How Can I Get My Car’s Windscreen Covered?
- FAQ For Windscreen Coverage
What Is Windscreen Insurance Coverage?
Windscreen Coverage is a type of additional protection for your car’s windscreen. It is an add-on to your current car insurance policy where you should need to have an active motor insurance for your vehicle in order to be able to purchase this add-on.
Windscreen Insurance provides protection, repair or direct replacement for:
- Front Windscreen
- Back/Rear Windscreen
- All Door Windows
- Sunroof Glass

This coverage will cover the cost needed to repair or replace these glass parts when they are damaged. You would not need to fork out any money for the repair or replacement cost if you have included this coverage as your add-on. Also, this coverage comes in handy not only because it is pricey to replace windscreen but also windscreens are the most susceptible part of your car which are prone to get damaged by the surrounding objects.
As you are aware, there are three types of car insurances. However, this add-on is not available for all the three types of car insurances. Comprehensive car insurance is the only car insurance plan that offers windscreen add-on.
How To Replace Windscreen & Claim For Windscreen Coverage?
Step 1:
In order to claim for your windscreen replacement, you would need to verify whether the windscreen specialist is an authorized panel of your insurer.
A) Contact your insurer for their recommended windscreen repair workshop nearest to your location.
OR
B) Enquire the windscreen repair workshop whether they are a panel of your insurer or not.
Some of the windscreen specialists to take note:

Claiming at an authorized windscreen workshop:
No payment is required. Your windscreen coverage will cover the cost of repair and replacement, labor fee and also the cost of adding quality solar or tinted film.
Claiming at a non-authorized windscreen workshop:
You incur the risk of your claim being rejected by your insurer. Consequently, you may bear the whole cost or partial cost of repair and replacement, labour fee and the cost of adding quality solar or tinted film.
Step 2:
Once you have verified and confirmed the workshop, you would need to prepare the following documents as stated below:
- Motor Insurance Policy
- NRIC of the insured driver
- Driving license of the insured driver
- Vehicle Registration Card
- Original police report (if applicable)
Step 3:
Submit the following documents to the preferred authorized windscreen workshop.
Step 4:
Inform the windscreen specialist that you want to repair/replace the windscreen. The specialist will then inspect the condition of the windscreen and notify you whether the windscreen needs to be repaired or requires a replacement.
Repairable
The cost to repair is lower compared to replacing it and can be claimed against your windscreen coverage. You would have remaining windscreen coverage value since the cost to repair is lower. You can still make a claim against the same windscreen coverage as long as the amount to claim is lower than the remaining coverage value.
Replaceable
The entire windscreen should be replaced if the damage is severe.
The repair/replacement of the windscreen would take approximately 2-3 hours.
A few guidelines that should be considered after getting your windscreen replaced:
1. Renew your windscreen coverage
Do remember that the existing coverage expires once you have replaced it with a new windscreen. It is recommended for you to purchase another windscreen insurance if you want to continue having a windscreen protection.
2. Recheck your No-Claim Discount (NCD) status
Sometimes, the windscreen specialist might make a claim against your motor insurance policy but instead it should be made against your windscreen policy. Thus, it is best if you recheck and verify your NCD and make sure the claim is made against your windscreen policy instead.
How To Determine The Right Sum Insured For My Windscreen?

We have compiled the Price List of Malaysia Windscreen Insurance Coverage (Updated 2021) to guide you to select the best coverage value for your windscreen based on the model of your car. The windscreen coverage is sufficient to:
- Replace new windscreen
- Includes labor/installation fee
- Includes quality solar/tinted film
Do check out the price list to know the coverage value for your car model.
How Much Does It Cost?
Windscreen insurance coverage costs 15% of the sum insured. If your sum insured to replace your windscreen is approximately RM1,500, you will need to pay an additional of RM225 (0.15*1500) on top of your comprehensive car insurance premium.
Let’s say you have met in an accident where your windscreen is shattered. Take a look on the two scenario below:
Without a Windscreen Coverage | With a Windscreen Coverage |
Even though you have saved RM225, you will still need to bear RM1,500 yourself to get it replaced. Alternatively, you may consider claiming from your comprehensive car insurance to replace the damaged windscreen but the major drawback is that you will lose your NCD entitlement. This would cause your NCD to be reverted back to 0% and your car insurance premium increases the following year. | Even though you have spent additional RM225 for the windscreen, you have saved RM1,275 if you bear the costs yourself. You can claim from your windscreen coverage while leaving your comprehensive coverage untouched and your NCD entitlement will not be affected too. |
How Can I Get My Car’s Windscreen Covered?
You can get your car covered during the renewal of your car’s motor insurance. When renewing your car insurance, you will be given an option to add-on your windscreen coverage. Therefore, you may select this option when you renew your car insurance policy online.
As Policystreet is a financial advisor approved by Bank Negara Malaysia (BNM), you will be able to find a variety of car insurance with unbiased choices and pricing that suits your needs! You can purchase windscreen coverage though PolicyStreet. PolicyStreet offers a car insurance platform where you can compare and buy directly from there!
Steps to add windscreen coverage as your add-on.
Step 1:
Klik pautan yang disediakan di atas. Isikan maklumat yang diperlukan dan klik “Get Started”.

Step 2:
Adjust the sum insured according to your preference and choose the type of insurer you prefer.

Step 3:
Fill in further details and click “Proceed”

Once you have clicked “Proceed”, you will be led to the Add Ons section. You can then add-on the additional extensions that suit your needs. As highlighted in green, you can insure your car against windscreen damage. You can also get covered against flood peril and get your road tax renewed too. Complete up the necessary steps and click “Proceed”.

When you are adding the windshield coverage, you would need to select the correct amount of sum insured to make sure you are not over or under insured. Refer to Price List of Malaysia Windscreen Insurance Coverage (Update 2021), to check for your sum insured based on the model of your vehicle.

An order summary will be shown where you are able to cross-check the amount payable, additional extensions that you have added and other important information. Once checked, click “Confirm Amount”.

Step 4:
You will then be directed to the payment section where you will be given some options to make payment. Once you have opted for the payment option, click “Proceed” to pay.

In brief, hope the guidelines mentioned above were helpful for you to add-on your windscreen coverage and getting yourself protected with PolicyStreet.
Wait no more, try it now to enjoy the exclusive and guaranteed deals from PolicyStreet!
FAQ For Windscreen Coverage

1. Can I claim if there are scratches on my windscreen?
No, it can only be claimed if the glasses are chipped, cracked or shattered.
2. I don’t have windscreen insurance coverage. Am I able to replace my windscreen for free?
Yes, you can actually make a claim to replace the damaged windscreen even if you are not insured under the windscreen insurance coverage. However, if you insist to claim for windscreen replacement without insuring yourself under windscreen coverage, the claim will be made against your existing comprehensive motor insurance policy. Hence, you would lose your No-Claim Discount (NCD) for the following year. If you have already accumulated a significant NCD rate, it will be then reverted back to 0%.
3. How much should I pay for my windscreen insurance coverage?
According to the rule of thumb, the cost is always 15% of the windscreen coverage value. To clarify, if you are insuring the windscreen for RM1500.00, then you would need to pay RM225.00 (0.15*RM1500.00) for the coverage.
4. How long will my windscreen installation process take?
The installation process depends on the model of your car and the severity of the damage of the windscreen. Also, it would be subjected to your documentation and approval at the time of submission.
5. Do I need to make any payments for the installation of the windscreen?
If you are insured under windscreen coverage, then there will be no payment required as long as your sum insured is sufficient.
6. What are the documents required and to whom should I submit to?
The windscreen repairer would need you to complete up the claim form where it would be provided by them.
Also, you are required to submit:
- Motor Insurance Policy
- NRIC of the insured driver
- Driving license of the insured driver
- Vehicle Registration Card
- Original police report (if applicable)
The following documents should be submitted to the authorized windscreen workshop to facilitate the claiming process.
Conclusion
We surely hope this article was informative and beneficial to you. You now know another important fact compared to your fellow counterparts on the road!
Curious to know on how to take care of a newly replaced windscreen?
Watch our blog space for more interesting tips and insights on car insurance matters!
To know more about car insurance do check out our website or give us a call – we are always ready to help.
Covering you for the unexpected!