{"id":56735,"date":"2025-11-22T20:39:07","date_gmt":"2025-11-22T12:39:07","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56735"},"modified":"2025-11-22T20:39:09","modified_gmt":"2025-11-22T12:39:09","slug":"windscreen-claim-without-affecting-ncd","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd","title":{"rendered":"Windscreen Claim Without Affecting NCD"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-6a249b82440fc\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-6a249b82440fc\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd\/#1_Why_Windscreen_Claim_Without_Affecting_NCD_Matters\" title=\"1. Why Windscreen Claim Without Affecting NCD Matters\">1. Why Windscreen Claim Without Affecting NCD Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd\/#2_When_It%E2%80%99s_Appropriate_to_Claim_Windscreen\" title=\"2. When It\u2019s Appropriate to Claim Windscreen\">2. When It\u2019s Appropriate to Claim Windscreen<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd\/#3_Steps_for_Windscreen_Claim_Without_Affecting_NCD\" title=\"3. Steps for Windscreen Claim Without Affecting NCD\">3. Steps for Windscreen Claim Without Affecting NCD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd\/#4_Additional_Tips_to_Protect_Your_Windscreen\" title=\"4. Additional Tips to Protect Your Windscreen\">4. Additional Tips to Protect Your Windscreen<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A small crack or break in your car\u2019s windscreen can quickly become a bigger problem if ignored. <strong>Windscreen claim without affecting NCD<\/strong> ensures that drivers can repair their car without losing their annual insurance discount. This article explains the important steps to claim windscreen safely, the necessary documentation, and approved panel workshops.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Why_Windscreen_Claim_Without_Affecting_NCD_Matters\"><\/span>1. Why Windscreen Claim Without Affecting NCD Matters<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Claiming your windscreen incorrectly can reduce your NCD by 25\u201355%. By following the correct process:<\/p>\n\n\n\n<ul><li>NCD remains safe even after repairs<br><\/li><li>Insurance fully covers the repair costs.<\/li><li>No complications during next year\u2019s renewal<br><\/li><li>Small cracks left untreated can grow, increasing repair costs and safety risks<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_When_It%E2%80%99s_Appropriate_to_Claim_Windscreen\"><\/span>2. When It\u2019s Appropriate to Claim Windscreen<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can make a claim if:<\/p>\n\n\n\n<ul><li>Detect small cracks before they grow larger.<\/li><li>Your car is still covered under an active comprehensive policy<br><\/li><li>Damage occurs accidentally without negligence<br><\/li><li>Early claims are more worthwhile since minor repair costs are covered and NCD can be preserved<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Steps_for_Windscreen_Claim_Without_Affecting_NCD\"><\/span>3. Steps for Windscreen Claim Without Affecting NCD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li>Take clear photos of the crack from multiple angles<br><\/li><li>Contact BJAK or your insurer through official channels<br><\/li><li>Choose an approved panel workshop for windscreen replacement<br><\/li><li>Ensure your report includes date, location, and cause of damage<br><\/li><li>Follow the adjuster\u2019s instructions; do not repair the windscreen yourself before the claim is approved<br><\/li><li>If you follow the procedure, a <strong>windscreen claim without affecting NCD<\/strong> is usually successful<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Additional_Tips_to_Protect_Your_Windscreen\"><\/span>4. Additional Tips to Protect Your Windscreen<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Inspect your windscreen weekly for new cracks<br><\/li><li>Avoid driving on bumpy roads or heavy vehicle areas<br><\/li><li>Consider add-ons or extra coverage if frequently hit by flying stones<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56796\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd\/attachment\/4-162-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"4-162\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the four steps for claiming a windscreen crack from taking photos, contacting BJAK, choosing a panel workshop, to preserving NCD.\" class=\"wp-image-56796\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-162.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>By following this guide, you can complete a <strong>windscreen claim without affecting NCD<\/strong> easily and safely. Follow this guide to complete a windscreen claim. Submit early claims, provide proper documentation, and use BJAK or insurer-approved channels to keep your NCD intact, control repair costs, and maintain your vehicle in good condition.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=windscreen-claim-without-affecting-ncd\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/should-you-take-strike-riot-civil-commotion-coverage\">Should You Take Strike, Riot &amp; Civil Commotion Coverage?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-can-be-lost-without-you-realizing\">NCD Can Be Lost Without You Realizing<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/family-cars-why-mpvs-are-still-relevant\">Family Cars: Why MPVs Are Still Relevant<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many drivers worry that their NCD will be affected if their windscreen cracks or breaks. This article explains how to make a windscreen claim without affecting NCD, with the right steps to control repair costs and keep your insurance discount safe.<\/p>\n","protected":false},"author":31,"featured_media":56795,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,3195],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Windscreen Claim Without Affecting NCD | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Windscreen Claim Without Affecting NCD . 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