Have you ever seen the windscreen of a vehicle cracked or shattered but the owner doesn’t seem intent on repairing or replacing it? If yes, then the vehicle probably does not have windscreen coverage. As the repairing and replacing cost of the windscreen is costly, therefore some of the owners will just ignore it if the crack is minor, however a broken or cracked windscreen may affect the driver's vision and it shouldn’t be practiced among drivers as it may jeopardize themselves and other road users safety on the road.

A common cause of cracked or shattered windscreen is the minuscule of flying debris such as pebbles and stones that hit on your windscreen or bounce off other vehicles causing the windscreen to crack. Regardless if you are a careful driver or not, it is unpredictable and the windscreen damage is inevitable. Therefore, having a valid and comprehensive windscreen coverage is important in avoiding hefty windscreen repair or replacement bills. However, there’s a catch: most of the car owners in Malaysia are not aware of the fact that the windscreen claiming will forfeit their NCD rate and end up costing them more money. 

Windscreen insurance is an additional coverage to be added on top of your car insurance policy, this additional coverage will cover the cost of your windscreen replacement or repair, WITHOUT affecting your No Claim Discount (NCD). The form of coverage includes the front and back windscreen, all windows and sunroof glass window. With windscreen insurance, you can take your car directly to a panel shop for free repair or replacement as it will be covered under your windscreen insurance policy. In order to remain your NCD rate, you are only eligible to claim the windscreen add-on coverage once a year.