{"id":60900,"date":"2026-08-08T15:48:38","date_gmt":"2026-08-08T07:48:38","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60900"},"modified":"2026-08-08T15:48:42","modified_gmt":"2026-08-08T07:48:42","slug":"windscreen-claim-without-affecting-ncd-malaysia-guide","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd-malaysia-guide","title":{"rendered":"Windscreen Claim Without Affecting NCD: Malaysia Guide"},"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-6a773bc96b91d\" aria-hidden=\"true\"><span style=\"display: flex;align-items: 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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-malaysia-guide\/#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-malaysia-guide\/#Why_Windscreen_Claims_Are_Different\" title=\"Why Windscreen Claims Are Different\">Why Windscreen Claims Are Different<\/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-malaysia-guide\/#How_a_Windscreen_Claim_Without_Affecting_NCD_Works\" title=\"How a Windscreen Claim Without Affecting NCD Works\">How a Windscreen Claim Without Affecting NCD Works<\/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-malaysia-guide\/#How_to_File_a_Windscreen_Claim\" title=\"How to File a Windscreen Claim\">How to File a Windscreen Claim<\/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-malaysia-guide\/#Is_the_Add-On_Worth_It\" title=\"Is the Add-On Worth It?\">Is the Add-On Worth It?<\/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-malaysia-guide\/#Quick_Comparison_Windscreen_vs_Standard_Claim\" title=\"Quick Comparison: Windscreen vs Standard Claim\">Quick Comparison: Windscreen vs Standard Claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd-malaysia-guide\/#Frequently_Asked_Questions_FAQ\" title=\"Frequently Asked Questions (FAQ)\">Frequently Asked Questions (FAQ)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd-malaysia-guide\/#Related_Bjak_Guides\" title=\"Related Bjak Guides\">Related Bjak Guides<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd-malaysia-guide\/#How_Bjak_Helps\" title=\"How Bjak Helps\">How Bjak Helps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/windscreen-claim-without-affecting-ncd-malaysia-guide\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Filing a windscreen claim without affecting your ncd<\/strong> 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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Why_Windscreen_Claims_Are_Different\"><\/span><strong>Why Windscreen Claims Are Different<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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 \u2014 to handle these minor glass repairs completely separately.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_a_Windscreen_Claim_Without_Affecting_NCD_Works\"><\/span><strong>How a Windscreen Claim Without Affecting NCD Works<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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&#8217;s claim record stays perfectly intact.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_File_a_Windscreen_Claim\"><\/span><strong>How to File a Windscreen Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Next, provide clear photos of the damage from multiple angles, capturing both the full windscreen and your car&#8217;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.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Is_the_Add-On_Worth_It\"><\/span><strong>Is the Add-On Worth It?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Quick_Comparison_Windscreen_vs_Standard_Claim\"><\/span><strong>Quick Comparison: Windscreen vs Standard Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Windscreen Claim<\/strong><\/td><td><strong>Standard Comprehensive Claim<\/strong><\/td><\/tr><tr><td><strong>Cover type<\/strong><\/td><td>Handled under the Windscreen add-on<\/td><td>Handled under the main comprehensive cover<\/td><\/tr><tr><td><strong>Effect on NCD<\/strong><\/td><td>Absolutely no effect (NCD stays safe)<\/td><td>NCD instantly resets to 0% (if at-fault)<\/td><\/tr><tr><td><strong>Excess fee<\/strong><\/td><td>Usually none<\/td><td>Standard policy excess applies<\/td><\/tr><tr><td><strong>Best used for<\/strong><\/td><td>Cracked, chipped, or shattered glass only<\/td><td>Major collision damage or accidents<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQ\"><\/span><strong>Frequently Asked Questions (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>How does this affect my car insurance renewal?<\/strong><\/li><li>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.<br><\/li><li><strong>Does a claim affect my NCD if I don&#8217;t have the add-on?<\/strong><\/li><li>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%.<br><\/li><li><strong>Where can I sort this out quickly?<\/strong><\/li><li>On <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=windscreen-claim-without-affecting-ncd-malaysia-guide\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, you can seamlessly compare quotes from over 10 top insurers, easily select the windscreen add-on, and renew online in just a few minutes!<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Related_Bjak_Guides\"><\/span><strong>Related Bjak Guides<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For more essential context, read our guide on<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/method-on-checking-ncd-in-2026\" target=\"_blank\" rel=\"noreferrer noopener\"> how to check your NCD in 2026<\/a> and understand the<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-reset-transfer-dispute-in-car-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"> NCD reset, transfer and dispute rules<\/a>. Furthermore, discover exactly<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-after-making-a-claim-what-actually-happens-to-your-discount\" target=\"_blank\" rel=\"noreferrer noopener\"> what happens to NCD after a claim<\/a>. These guides will help you navigate renewal steps, premiums, and claims perfectly.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_Bjak_Helps\"><\/span><strong>How Bjak Helps<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bjak makes navigating car insurance add-ons significantly easier for modern drivers. On <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=windscreen-claim-without-affecting-ncd-malaysia-guide\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, 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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Before your next renewal date approaches, compare quotes and renew in minutes on <strong><a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=windscreen-claim-without-affecting-ncd-malaysia-guide\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong>. It is simply the easiest way to stay covered, stay legal, and secure the best price!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-malaysia-guide\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Also Read:<br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-vs-flood-add-on-monsoon-cover-compared\">Special Perils vs Flood Add-On: Monsoon Cover Compared<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/renewing-insurance-for-a-second-or-third-car\">Renewing Insurance for a Second or Third Car<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-semak-saman-jpj-online-malaysia-panduan-pantas-2026\">Cara Semak Saman JPJ Online Malaysia \u2014 Panduan Pantas 2026<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Filing a windscreen claim without affecting your NCD is totally possible in Malaysia \u2014 if you have the right add-on. Here is what you need to know to fix your glass safely before you renew.<\/p>\n","protected":false},"author":39,"featured_media":60901,"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":[429,59,436],"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: Malaysia Guide | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Windscreen Claim Without Affecting NCD: Malaysia Guide Learn how to file a windscreen claim without affecting NCD in Malaysia. 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