What is windscreen insurance in Malaysia?

Windscreen insurance is an add-on cover that protects your car's windscreen and windows against damage from cracks, chips, or shattering. It is not included in standard car insurance and must be added separately. Windscreen claims do not affect your NCD.

How much does windscreen insurance cost?

Windscreen insurance typically costs 15% of your declared cover amount. For example, a RM 1,500 windscreen cover costs about RM 225 annually. The price depends on your car model and the windscreen replacement cost. Premium cars with larger windscreens cost more to cover.

Does windscreen insurance cover all windows?

Most windscreen insurance covers the front windscreen, rear windscreen, and side windows. Some policies also cover sunroofs. Always check your policy wording to confirm what is included. The coverage is typically limited to the declared cover amount.

Will a windscreen claim affect my NCD?

No. Windscreen claims are typically treated as separate from your main car insurance claim and do not affect your No Claim Discount. This is one of the main reasons drivers choose to add windscreen cover — it protects you without risking your NCD.

How do I choose the right windscreen cover amount?

Choose a cover amount that matches your car's actual windscreen replacement cost. For a Perodua Myvi, RM 500-800 is usually sufficient. For a Toyota Camry or BMW, you may need RM 1,500-3,000. Check with your car dealer or windscreen specialist for an exact replacement cost.

Is windscreen insurance worth it?

Yes, especially for cars with expensive windscreens or if you frequently drive on highways where stone chips are common. A single windscreen replacement can cost RM 500-3,000, while the annual add-on premium is only 15% of your cover amount. For most drivers, it pays for itself with one claim.

Can I add windscreen cover when renewing my insurance?

Yes. You can add or remove windscreen coverage during your annual renewal. Some insurers also allow mid-term additions, but you may need to pay the full annual premium for the add-on. It is easiest to add it during renewal.

What is the difference between OEM and aftermarket windscreen cover?

OEM (Original Equipment Manufacturer) windscreen cover ensures you get a genuine windscreen from your car's original manufacturer. Aftermarket cover may use compatible but non-original parts. OEM cover is usually more expensive but guarantees the same quality and fit as your original windscreen.

Windscreen Insurance Malaysia

Protect your car's windscreen and windows against cracks, chips, and shattering. Learn how much windscreen insurance costs, what it covers, and how to add it to your car insurance policy.

What Is Windscreen Insurance?

Windscreen insurance is an optional add-on that covers the cost of repairing or replacing your car's windscreen and windows. In Malaysia, windscreen damage is one of the most common car insurance claims — caused by stone chips on highways, debris, vandalism, or accidents.

Without windscreen cover, you would pay out of pocket for replacement costs ranging from RM 500 to over RM 3,000 for premium vehicles. With windscreen insurance, you pay only the add-on premium (typically 15% of the cover amount) and your claim won't affect your NCD.

Key benefit: Windscreen claims do not affect your No Claim Discount. This means you can fix your windscreen without losing your 55% NCD.

What Does It Cover?

Front windscreen cracks and chips
Rear windscreen damage
Side window damage
Sunroof damage (most policies)
Stone chip repair
Complete windscreen replacement
Labor costs for installation

Not covered: Wear and tear, pre-existing damage, and damage caused by illegal activities. Check your policy wording for exact terms.

Windscreen Insurance Cost Calculator

Windscreen Cover Amount: RM 1,500

RM 500RM 5,000

Estimated Annual Cost

RM 225

15% of RM 1,500 cover amount

Windscreen Cover Cost by Car Model

Estimated annual windscreen insurance premiums and actual replacement costs for popular Malaysian cars.

Car Model	Cover Amount	Annual Cost	Replacement Cost
Perodua Myvi	RM 500	~ RM 75	RM 400-600
Toyota Vios	RM 800	~ RM 120	RM 700-1,000
Honda City	RM 800	~ RM 120	RM 700-1,000
Toyota Camry	RM 1,500	~ RM 225	RM 1,200-1,800
Proton X70	RM 1,200	~ RM 180	RM 1,000-1,500
BMW 3 Series	RM 3,000	~ RM 450	RM 2,500-3,500

* Costs are estimates for illustration. Actual windscreen replacement costs vary by workshop and windscreen type (OEM vs aftermarket).

Check Your Windscreen Cost

Contact your car dealer or a windscreen specialist to find out the exact replacement cost for your model. This helps you choose the right cover amount.

Read Policy Terms

Check if your policy covers all windows (front, rear, sides) or just the front windscreen. Some policies also cover sunroofs.

Compare OEM vs Aftermarket

OEM cover guarantees original parts. Aftermarket is cheaper but may use compatible parts. Choose based on your car's value and your preference.

Add Windscreen Cover to Your Policy

Want to add windscreen insurance to your car insurance? Tell us your car model and we will help you find the right cover amount.