Introduction
Notice a small windscreen crack on your car? Don’t take it lightly. Small cracks can expand due to heat, weather changes, or road vibrations. Many drivers are unsure whether they can claim it, when to claim, and how to ensure their NCD remains safe. This article breaks down the steps you should take to repair your windscreen with minimal cost and no impact on your NCD.
1. Why Small Cracks Need Attention
Small cracks often occur from tiny stones hitting the glass while driving, sudden temperature changes, or stress on older windscreen glass. Left unchecked, these cracks can spread across the entire windscreen, increasing repair costs.
Note: A spreading crack can also cause your car to fail safety inspections like MOT or PUSPAKOM.
2. When You Can Claim Windscreen
You can claim if:
- The small windscreen crack is detected early
- The damage occurs while your comprehensive policy is active
- The damage is accidental and not due to intentional negligence
- An approved panel workshop is available
Early claims are more cost-effective because minor repairs are still covered, and your NCD remains protected when the correct procedure is followed.
3. How to Claim Without Losing NCD
To repair a small windscreen crack safely without affecting NCD:
- Take clear photos of the crack from multiple angles
- Contact BJAK or your insurer through official channels
- Use a panel workshop approved for windscreen replacement or repair
- Provide a complete report: date, location, and cause of the damage
- Follow adjuster instructions — do NOT repair before claim approval
If the cause is clear and the procedure is followed, your NCD will usually remain intact.
4. Extra Tips for Windscreen Care
- Check your windscreen weekly for new cracks
- Avoid rough or uneven roads that increase stress on the glass
- Consider windscreen add-ons if you frequently encounter flying stones or debris
Conclusion
A small windscreen crack may seem minor but can become a serious and costly problem if ignored. By claiming early, documenting everything properly, and using BJAK or your insurer’s official channels, you can repair your windscreen without affecting your NCD. Quick action and following the right procedure keep costs manageable, your NCD intact, and your vehicle safe on the road.
Read More:
NCD Relief Guide: Protect Your NCD from Being Lost After a Claim
