If your motor policy has windscreen cover as an add-on, a windscreen claim in Malaysia usually doesn't affect your No Claim Discount. If it doesn't, and you claim the glass under the main policy, it counts as an own-damage claim and your NCD goes back to zero at the next renewal. That one difference decides most of what follows. Below are six things people get wrong about it, then the claim itself, step by step.
Six common mistakes
"Any windscreen claim costs me my NCD"
Not if you claim under the windscreen add-on. A claim under that cover usually leaves the NCD where it is. Check the wording on your own policy schedule, because the add-on is what protects it.
"My comprehensive policy covers the windscreen anyway"
It may pay for it, but without the add-on the windscreen is just more own damage. You pay the policy excess, and the claim resets your NCD. For a private car the NCD runs from 25% after the first claim-free year to 55% after five, so on a five-year record the reset shows up in your premium for years after the glass is fixed.
| Claim-free years | NCD |
|---|---|
| 1 | 25% |
| 2 | 30% |
| 3 | 38.33% |
| 4 | 45% |
| 5 or more | 55% |
Our guide to the NCD in Malaysia explains how it moves after a claim.
"I can claim as often as I like"
A windscreen claim typically uses up the cover for the rest of the policy year. Some insurers let you restore it by paying a prorated premium. Ask yours before you need a second one.
"I'll get it fixed and claim afterwards"
Don't. Report the damage first, wait for approval before any repair, and use one of the insurer's approved panel glass repairers.
"The add-on covers all the glass"
The cover is described as windscreen cover, and the sum insured is the windscreen's value. Whether the side windows, rear screen or a sunroof are included depends on your policy wording, so read the schedule rather than assume.
"There's always an excess"
Under the windscreen add-on there usually isn't one. A standard own-damage claim does carry the policy excess.
Making the claim
- Check your policy schedule for windscreen cover and its sum insured.
- Photograph the damage from several angles, with the whole windscreen and the number plate in shot.
- Report it to your insurer, or the agent you bought through, before you touch it.
- Wait for approval, then book the repair or replacement at an approved panel repairer.
- Keep the paperwork for when you renew, so you can check the NCD hasn't been changed.
If the windscreen broke in an accident with another car, that's a different claim. Our guide to car insurance claims in Malaysia covers own damage, third party and knock-for-knock.
On a rental car
Glass on a Grandpride rental depends on the protection you chose. Under Basic Cover, which comes with every rental, you pay for damage up to the standard excess. The Loss Damage Waiver lowers that excess. Grandpride Protection+ takes it to zero for damage and theft, with glass and tyres included, so a cracked windscreen from a stone on the highway costs you nothing extra. Prices for each level vary by car and are shown when you book a car from the vehicle list. Our guide to rental car protection compares the three.
Report any chip or crack straight away and don't arrange a repair yourself CHECK: what a renter should do if the windscreen is chipped or cracked during a rental, and who arranges the repair.
On a subscription car
With a Grandpride subscription, insurance is part of the monthly price, so you don't buy a policy or chase an NCD of your own. What a subscriber pays if the windscreen goes is CHECK: does subscription insurance include windscreen cover, and is there any excess for a windscreen claim. Our guide to car subscription in Malaysia covers what else the monthly price includes.
