Windscreen Coverage (All You Need to Know!)
Owning a car means taking care of a few important things. You need to keep it in good shape, ensure it’s covered, and have some money saved for unexpected repairs. Something as small as a pebble hitting your windscreen can lead to costly repairs, sometimes running in the thousands of ringgit! If this happens to you (we hope it never does!), does your car insurance or takaful cover your windscreen? Stay with us to find out and learn more about windscreen coverage.
Read more:
- 5 add-ons to improve your motor coverage plan
- A tree fell on my car: Can I make an insurance or takaful claim?
- Car takaful claims for accidents (your ultimate guide)
What is windscreen coverage?
Windscreen coverage is an optional benefit to your car insurance or takaful plan that covers the costs of repairing or replacing your windscreen in case of damage. You can add this benefit only to comprehensive or first party car coverage, with an additional premium or contribution. This means that car owners with third party, fire and theft or third party coverage are not eligible for this benefit.
Is windscreen damage covered by insurance or takaful?
Comprehensive car insurance or takaful does include windscreen coverage. However, if you don’t add windscreen coverage to your policy or certificate, you will unfortunately lose all your No Claim Discount (NCD) when you make a windscreen claim. This will reset your NCD to zero and cause your premium or contribution to soar. Imagine that your NCD is now at its maximum rate of 55%, a windscreen claim will make your premium or contribution significantly higher the next time you renew your car insurance or takaful.
To avoid this, many drivers choose to add windscreen coverage to their car insurance or takaful. With it added to your plan, Etiqa will pay for the repair or replacement costs of your windscreen, so you’re not burdened by these expenses.
While windscreen coverage is an add-on benefit, here’s what you can still enjoy with a comprehensive Etiqa Car Insurance or Takaful plan:
- A 10% rebate when you sign up or renew your plan on the Etiqa website or the Etiqa+ app
- Up to 30% cashback with the free add-on, Etiqa Cashback by Driving Less
- All authorised drivers are automatically covered, at no extra cost
- Free towing of up to 200 km
- 24/7 roadside assistance
- No claims? You could enjoy cashback (surplus sharing) with the takaful plan (subject to terms and conditions)
Does windscreen coverage cover all windows?
Yes! Windscreen coverage covers all your car windows:
- Front windscreen
- Rear windscreen
- Side windows
- Sunroof
- Lamination or tinting film (applicable if your windscreen was fitted with tinted film at the time of damage)
With this add-on, Etiqa will also take care of the labour and installation costs so you won’t have to worry about it.
How much is windscreen coverage?
Windscreen coverage will only cost you 15% of your windscreen’s price. Assuming you drive a Perodua Myvi Advanced (2022) with its windscreen costing RM1,000, you would need just RM150 to secure this add-on. If you do the math, this means you’ll be able to get your damaged windscreen replaced at a whopping 85% off!
If you own a high-end car, your contribution would still be only 15% of your windscreen’s price. You can check out the price of your car windscreen online! (Fun fact: Do you know that a Lamborghini Murciélago’s windscreen can cost as much as RM50,000? That’s enough to buy the latest Perodua Myvi 1.3 G!).
How do I add windshield coverage to my insurance or takaful?
Adding windscreen cover to your car insurance or takaful is easy, especially with Etiqa. You can do it online in just a few minutes:
- Step 1: Head on over to the Etiqa website and click ‘Apply Online’
- Step 2: Enter your vehicle number, postcode, and NRIC
- Step 3: Fill in the required details
- Step 4: In the ‘Additional Coverage’ section, choose ‘Windscreen Coverage,’ then enter the sum covered/insured for your windscreen based on your windscreen’s price (you may check your windscreen’s price here)
- Step 5: Proceed with payment/contribution, and your car, including its windscreen, is now covered!
How to claim windscreen coverage
Need to make a windscreen claim? The process is simple and can be completed in just three easy steps:
- Head to Etiqa’s authorised panel workshop: Take your car to your insurance or takaful operator’s panel windscreen specialist or panel workshop.
- Bring your documents: Liaise with the windscreen specialist or workshop personnel to provide the required documents to your insurer or takaful operator.
- Claim assessment: Once both steps are completed, the workshop will inspect and take care of the repair or replacement of your windscreen. They will handle the claim process for you so you can rest easy.
FAQ about windscreen coverage
Does a windshield claim affect NCD?
With windscreen coverage, you get to keep your NCD even after you make a claim. So if your current NCD is 55%, you will continue to enjoy the discount after a windscreen claim.
How many times can you claim for a windscreen?
The number of times you can make a windscreen claim depends on whether your windscreen is replaced or repaired:
Windscreen replacement
This can only be done once during your one-year coverage period. Your windscreen coverage ends as soon as your windscreen is replaced.
Windscreen repair
If your car windscreen is repaired instead, you can continue to enjoy any remaining coverage amount for the rest of the coverage period. For example, if your windscreen’s sum covered/insured is RM1,000 and the repair costs RM800, the RM200 balance can be used for any more windscreen fixes in the same coverage period.
Can you reinstate windscreen coverage after having your windscreen replaced or repaired?
Yes, you can! As an Etiqa customer, you may contact Etiqa Claims Careline at 1-300-88-1007 to help you reinstate your windscreen cover with an additional contribution.
Is it worth getting windscreen insurance or takaful?
It’s a good idea to get this add-on, especially if your windscreen costs a fortune. By contributing just 15% of what your windscreen costs, you can be covered for fixing or replacing it. Why not go to the Etiqa website and add windscreen coverage when you renew your car takaful? Plus, you’ll get a guaranteed 10% discount when you renew with us online!
The benefit(s) payable under eligible product(s) is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa or PIDM (visit www.pidm.gov.my) I Member of PIDM
The information contained in this blog is provided for informational purposes only. It should not be construed as advice on any matter. Etiqa accepts no responsibility for loss which may arise from reliance on information contained in the article. This information is correct as of 25th May 2026.
