Introduction
Filing a windscreen claim without affecting your ncd is entirely possible in Malaysia, provided you have the right add-on. A cracked or shattered windscreen is a common driving hazard, but many drivers wrongly fear it will wipe out their hard-earned No Claim Discount.
This comprehensive guide explains exactly how windscreen cover works and why it protects your discount. Furthermore, you will learn how to file a claim the smart way so your pocket and your NCD remain perfectly safe.
Why Windscreen Claims Are Different
Windscreen damage is easily one of the most common car insurance claims in Malaysia. Often, it happens unexpectedly from road debris, kicked-up stones, or sudden temperature changes.
Under a standard comprehensive policy, claiming for standalone windscreen damage is treated like any regular own-damage claim. Consequently, doing so without the specific add-on will instantly reset your NCD back to 0%. That is exactly why a dedicated windscreen add-on exists — to handle these minor glass repairs completely separately.
How a Windscreen Claim Without Affecting NCD Works
A windscreen add-on lets you claim for full glass repair or replacement without it counting against your No Claim Discount. Because the claim is safely ring-fenced under the specific add-on limit, your main policy’s claim record stays perfectly intact.
Essentially, it is a small, inexpensive add-on that prevents a minor repair from costing you your hard-earned discount. Once you claim under this add-on, your windscreen coverage for the year is exhausted unless you reinstate it by paying a prorated premium.
How to File a Windscreen Claim
First, you must confirm that you actually purchased the windscreen cover add-on on your active policy. Then, report the damage to your insurer or Bjak promptly, and do not attempt to repair the glass yourself before the claim is officially approved.
Next, provide clear photos of the damage from multiple angles, capturing both the full windscreen and your car’s registration plate. Finally, always send your vehicle to an approved panel glass repairer for the replacement. Because it is processed under the add-on, your NCD is completely protected when handled correctly.
Is the Add-On Worth It?
Windscreen replacement can cost anywhere from a few hundred to well over a thousand ringgit depending on your car model. In Malaysia, the cost of this add-on is standardized at just 15% of the total windscreen value.
For example, if your windscreen costs RM1,000 to replace, you only pay an extra RM150 for the add-on. For most drivers, this modest premium is well worth the investment to protect both your wallet and your NCD from a very common, unavoidable hazard.
Quick Comparison: Windscreen vs Standard Claim
| Aspect | Windscreen Claim | Standard Comprehensive Claim |
| Cover type | Handled under the Windscreen add-on | Handled under the main comprehensive cover |
| Effect on NCD | Absolutely no effect (NCD stays safe) | NCD instantly resets to 0% (if at-fault) |
| Excess fee | Usually none | Standard policy excess applies |
| Best used for | Cracked, chipped, or shattered glass only | Major collision damage or accidents |
Frequently Asked Questions (FAQ)
- How does this affect my car insurance renewal?
- A windscreen claim without affecting NCD should not reduce your discount when it is processed under the correct windscreen add-on. However, always confirm the claim conditions with your insurer before renewal.
- Does a claim affect my NCD if I don’t have the add-on?
- Yes. If you claim for a broken windscreen without having the specific add-on, it is treated as an own-damage claim. Therefore, your No Claim Discount will automatically reset to 0%.
- Where can I sort this out quickly?
- On Bjak.my, you can seamlessly compare quotes from over 10 top insurers, easily select the windscreen add-on, and renew online in just a few minutes!
Related Bjak Guides
For more essential context, read our guide on how to check your NCD in 2026 and understand the NCD reset, transfer and dispute rules. Furthermore, discover exactly what happens to NCD after a claim. These guides will help you navigate renewal steps, premiums, and claims perfectly.
How Bjak Helps
Bjak makes navigating car insurance add-ons significantly easier for modern drivers. On Bjak.my, you can compare quotes from over 10 insurers side by side in one single place. As a result, you get to see the best price and exactly how much your windscreen add-on costs without ever calling an agent.
Additionally, Bjak sends free renewal and road tax reminders via email, SMS, and app notifications. You can easily customise your reminder preferences so alerts arrive exactly when you want them. Whether you are renewing for the first time or switching insurers to add windscreen cover, Bjak gives you the tools to do it confidently.
Conclusion
In conclusion, with the right windscreen cover, you can confidently fix a cracked or shattered screen without touching your NCD. It is a relatively small add-on that provides massive protection for a highly valuable discount.
Before your next renewal date approaches, compare quotes and renew in minutes on Bjak.my. It is simply the easiest way to stay covered, stay legal, and secure the best price!
Also Read:
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Renewing Insurance for a Second or Third Car
Cara Semak Saman JPJ Online Malaysia — Panduan Pantas 2026
