by AdminWindscreen Insurance: What You Need to Know
A damaged windscreen might seem like a minor issue—until you’re stuck with a costly repair.
In Malaysia, windscreen damage is one of the most common car insurance claims. But it’s important to know: your standard motor policy doesn’t cover it by default. Windscreen protection must be added as a separate benefit.
🔍 What Does Windscreen Insurance Cover?
This optional add-on allows you to claim for the repair or replacement of:
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Front windscreen
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Rear windscreen
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Side windows
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Sunroof or moonroof (if installed)
All without affecting your No Claim Discount (NCD).
💡 How It Works
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You declare the insured amount based on your car’s glass value
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You pay a small additional premium
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If the glass breaks, the insurance covers the replacement—up to the insured limit
✅ What’s Typically Covered
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Glass damage due to accidents
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Chips or cracks from stones or debris
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Breakage from attempted theft or vandalism
🔶 Note: Tinting or lamination is not covered unless it is specifically declared and included in the insured amount.
🔺 Excludes: Damage to car body parts or any non-glass components (e.g. sensors, paintwork, wipers).
🔧 What to Expect During a Claim
Most insurers require you to use panel workshops for claims. If you are in Sarawak or other areas without appointed windscreen panels, repairs can still be done—but might take more time and coordination. Always consult your agent before proceeding.
🤔 Is Windscreen Coverage Worth It?
For many car owners, yes.
Glass repairs can be unexpectedly expensive, and this add-on helps you manage the cost and keep your NCD intact. It’s a low-cost benefit with high practical value.
📞 Need Help? We’re Here.
At LH Insurance, we’ll help you determine the right insured amount, explain the claim process, and make sure your coverage suits your driving needs—wherever you are in Malaysia.