Windscreen Coverage Price Lists For Imported Cars

A broken windscreen can be expensive, especially for imported cars with cameras, sensors or advanced driver-assistance features.

A windscreen insurance add-on gives you separate coverage for your car’s windscreen and other eligible glass parts. If you make a claim under this add-on, your NCD is generally not affected, subject to your policy terms.

But how much should you insure your windscreen for?

Instead of relying on an old model-by-model price list, it is better to check the current replacement cost of your windscreen and choose a suitable coverage amount.

How much does windscreen insurance cost?

Windscreen cover is commonly calculated at around 15% of the windscreen sum insured.

For example:

Windscreen coverage	Approximate premium
RM1,000	RM150
RM1,500	RM225
RM2,000	RM300
RM2,500	RM375
RM3,000	RM450
RM4,000	RM600
RM5,000	RM750
RM6,000	RM900
RM8,000	RM1,200
RM10,000	RM1,500

These are examples based on the 15% calculation. The actual amount you pay can depend on the insurer, policy and applicable taxes or charges. Current insurer documents continue to use the 15% calculation for windscreen coverage. BJAK: Windscreen Insurance

Why are imported car windscreens more expensive?

The cost of replacing a windscreen can vary significantly between car models.

For an older car with a basic windscreen, replacement may be relatively affordable.

For newer imported cars, however, the windscreen may have:

• Rain sensors
• Camera systems
• Advanced driver-assistance system (ADAS) components
• Special glass
• Built-in heating elements
• Special tinting
• Other electronic components

These features can make the replacement cost much higher.

That’s why you should not simply choose a windscreen coverage amount based on an old online price list.

How much windscreen coverage do you need?

There is no single coverage amount that works for every imported car.

For example, if your windscreen replacement is estimated to cost RM2,000, you could consider windscreen coverage around RM2,000.

If your vehicle has a camera or sensor integrated into the windscreen and the replacement cost is RM4,000, choosing only RM2,000 of coverage may leave you underinsured.

A good starting point is to check:

1. Your car’s exact model and variant.
2. Whether the windscreen has cameras or sensors.
3. The current replacement cost.
4. Whether tinting and related replacement costs are included.
5. The maximum amount your insurer will pay under the add-on.

What about newer imported cars?

The original price lists for this article were created in 2021. Since then, many newer models and variants have entered the Malaysian market.

For example, newer generations of BMW, Mercedes-Benz, Toyota, Honda, Tesla and other imported vehicles may have different windscreen designs and technology compared with older versions.

This means a 2021 price list should not be treated as the current replacement value for a 2026 vehicle.

Instead, check the current value when you purchase or renew your insurance.

Example: choosing the right windscreen coverage

Let’s say you drive an imported SUV and the current replacement cost of its windscreen is estimated at RM3,000.

You could choose:

Windscreen coverage: RM3,000

At an indicative 15% rate:

RM3,000 × 15% = RM450

So the windscreen add-on would cost approximately RM450 before any applicable taxes or charges.

If the actual replacement cost is higher because your windscreen includes a camera or sensor, you may need to select a higher coverage amount.

Does windscreen insurance cover the whole car?

No.

Windscreen coverage is an additional cover, not a replacement for comprehensive car insurance.

Depending on the policy, it can cover eligible glass such as:

• Front windscreen
• Rear windscreen
• Door or side windows
• Sunroof or moonroof glass

The exact coverage depends on your insurer and policy wording.

Always check your Product Disclosure Sheet (PDS) and policy documents before purchasing.

Will a windscreen claim affect my NCD?

A claim made specifically under a windscreen add-on generally does not reduce your NCD.

This is one of the main reasons car owners consider adding windscreen coverage to their comprehensive car insurance.

Without a windscreen add-on, claiming windscreen damage under your own-damage cover may have different consequences for your NCD, depending on the circumstances and policy terms.

So, check which section of your policy the claim will be made under before proceeding.

Is windscreen coverage worth it for an imported car?

It can be useful if replacing your windscreen would be expensive.

This is especially worth considering if your car has:

• An expensive imported windscreen
• Camera or sensor technology
• ADAS features
• A large panoramic windscreen
• A sunroof or moonroof
• Expensive tinting

For an older imported car with a relatively cheap windscreen, you may decide that the additional premium is less important.

The right amount depends on your car and the actual replacement cost.

How to check your current windscreen coverage

Don’t rely on an old price list when renewing your insurance.

Instead:

1. Check your current insurance policy.
2. Find the windscreen sum insured.
3. Check whether your car has cameras or sensors.
4. Get an updated replacement-cost estimate if necessary.
5. Compare the available insurance options.
6. Choose a windscreen sum insured that is appropriate for your vehicle.

BJAK currently allows users to add windscreen coverage when comparing car insurance quotes and see the applicable premium for the selected coverage amount.

Compare car insurance and add windscreen coverage

BJAK currently provides car insurance options from 16 insurance companies and Takaful operators.

When comparing your quotes, don’t just look at the basic premium.

Also check:

• Windscreen coverage
• Windscreen sum insured
• Premium for the add-on
• NCD
• Special perils
• Excess
• Other optional benefits

You can compare car insurance quotes on BJAK and add windscreen coverage before completing your purchase.

Note: Windscreen coverage amounts and premiums can change between insurers and products. The examples above are for illustration and should not be treated as fixed prices for specific car models. Always check the latest quotation, PDS and policy wording for your vehicle.