Driving on Malaysian roads can be a delightful experience, but it also comes with its fair share of challenges, one of which is the possibility of encountering windscreen damage. Whether it’s a small chip from flying debris or a crack from a stray rock, windscreen damage can be a hassle to deal with. However, with the right knowledge and preparation, you can navigate through the process of windscreen protection in Malaysia smoothly. In this article, we’ll explore everything you need to know about windscreen cover, from understanding insurance coverage to knowing what steps to take when you encounter windscreen damage.
What is windscreen coverage?
Windscreen insurance acts as an add-on to your comprehensive car insurance policy. One of the significant advantages of windscreen coverage is that it operates independently from your No Claim Discount (NCD). This means that if you need to make a claim for windscreen repair or replacement, it won’t affect the NCD you’ve accumulated over claim-free years. Essentially, even if you make a windscreen claim, you can still retain the benefits of your NCD, such as discounts on future insurance premiums. This arrangement offers peace of mind to drivers, ensuring that they can address windscreen damage without worrying about potential increases in insurance costs down the line.
Here are the protected parts:
- Front windscreen
- Rear windscreen
- All door windows
- Sunroof glass
In the unfortunate event of your windscreen chipping or breaking, you can conveniently bring your vehicle to a panel workshop or repairer, where the necessary repairs or replacements will be carried out at no expense to you, courtesy of your insurance coverage.
What is the cost of windscreen coverage?
To benefit from this protection, the extra premium you need to pay is just 15% of the insured amount for your windscreen. For example, if the windscreen of your Myvi is valued at RM1,000, you’ll only need to pay 15% of that sum, which amounts to just RM150.
Is the cost of windscreen repair inclusive of tinted film expenses?
It is a Yes and No depending on your coverage value. The windscreen insurance coverage value can include:
- Original windscreen
- Accredited glass bonding kits and surface preparation
- Installation fees included with a lifetime workmanship warranty
- Quality solar film tint
Hence, your estimated windscreen coverage value should include the new windscreen, labor, and a quality tint film, ensuring a full claim for the replacement and repair of the windscreen.
What should I do to claim the repair of the damaged windscreen?
Claiming for windscreen insurance in Malaysia is a straightforward process. Here’s a step-by-step guide to help you navigate through it:
- Contact Your Insurance Provider
If your windscreen sustains damage, the first step is to contact your insurance company. You can do this by calling their hotline, where they can assist you in locating a panel workshop or repairer nearest to you. - Prepare Necessary Documents
Before heading to the panel workshop, ensure you have copies of essential documents for insurance claim purposes. These typically include your vehicle owner’s identity card (MyKad), driving license, vehicle grant, and insurance cover note.
- Visit the Panel Workshop
Take your vehicle to the designated panel workshop or repairer. Once there, present the required documents to initiate the insurance claim process.
- Repair or Replacement
The panel workshop will assess the damage to your windscreen and proceed with either repair or replacement, depending on the severity of the damage. They will manage the insurance claim directly with your insurer, streamlining the process for you.
How many times can I claim a damaged windscreen?
You can claim for a damaged windscreen multiple times until you reach the total sum insured. If your claim hasn’t reached the full sum insured, you are still eligible to make additional claims for the remaining amount.
Can I claim damaged windscreen without windscreen coverage?
Yes, you have the option to utilise your comprehensive car insurance coverage to cover the windscreen replacement. However, opting for this route means forfeiting your No Claim Discount (NCD), resulting in a larger loss and potentially higher insurance premiums in the following year.
Bottomline
Windscreen damage is a common issue that Malaysian drivers may encounter, but with the right knowledge and preparation, you can navigate through the process smoothly. Understanding your insurance coverage, knowing what questions to ask, and taking prompt action when faced with windscreen damage are key steps to ensuring a hassle-free experience. By following these guidelines, you can protect your vehicle and get back on the road with confidence.