Introduction
Car glass damage such as cracks or breaks can happen anytime — from flying stones, minor accidents, or vandalism.A majority of Malaysian drivers are unsure of how & where they might be able to claim insurance for car glass damage. This guide will fully explain the proper documents & steps required in order to process your claim for your windshield.
Step 1: Check Your Policy & Coverage
- Ensure policy has windscreen coverage add-on..
- Certain coverage only covers certain parts/areas of the windscreen to be claimable..
- BJAK Tip: Use BJAK Calculator to check your current policy and NCD before making a claim.
Step 2: Take Photos of the Damage
- Capture clear photos of all damaged glass.
- Take multiple angles to show cracks or breaks.
- These photos serve as primary evidence when submitting your claim.
Step 3: Contact Insurance / BJAK Panel
- Reach out to the insurer via call center or WhatsApp.
- Provide the following information:
- Policy number
- Vehicle plate number
- Date & location of incident
- Photos of damage
- Policy number
Step 4: Submit Supporting Documents
Typical documents include:
- Copy of insurance policy
- Copy of car owner’s ID
- Photos of the damage
- Completed claim form
- BJAK Tip: Submit all documents together to avoid delays in claim processing.
Step 5: Wait for Approval & Service
- The panel insurer will review your claim.
- If approved, you can send your car to a panel workshop for glass replacement.
- Prefer BJAK panel workshops for faster service and potential cashless replacement — some panels allow repairs without upfront payment, waiting for insurance to settle directly.
Additional Tips to Save Time & Cost
- Avoid claiming minor cracks that can be patched yourself; your NCD remains unaffected.
- Keep all receipts or proof of glass replacement.
- Check your policy for any deductible or out-of-pocket costs.
- BJAK Calculator can estimate your premium after a claim so you understand the impact on NCD.
Conclusion
When car glass is damage, to make a claim is easier when following a systematic approach: check your policy, document the damage, contact BJAK panel, submit complete documents, and service at a panel workshop. This ensures faster processing, preserves your NCD, and keeps your car costs under control.
Read More:
How to Transfer NCD Insurance Between Vehicles in Malaysia
How to Use a Car Insurance Calculator to Compare Insurance Companies
