Key takeaways
- In Malaysia, windscreen cover is an optional car insurance add-on (Endorsement 89) that pays to repair or replace the windscreen, windows and sunroof, and Great Eastern's version includes tinting film.
- With windscreen cover, a windscreen claim does not affect your NCD; without it, Great Eastern says the claim goes under own damage and your NCD is forfeited.
- A private car's NCD runs from 25% to 55%, so a driver who loses a 55% NCD pays about 2.2 times the premium at the next renewal if nothing else changes.
- The windscreen value is the most the add-on pays: Great Eastern's online motor PDS (valid as at 26 August 2025) illustrates RM3,000 for a car insured at RM50,000.
- Once the glass is replaced, the cover ends and must be bought again; after a repair, the cover continues with the limit reduced by the repair cost.
- Great Eastern needs no police report for a windscreen claim, and panel windscreen specialists can handle it cashless, while a non-panel shop means you pay first and claim back.
What does windscreen insurance cover in Malaysia?
Windscreen insurance is an add-on to your car policy, not a separate policy. On the policy it is called Endorsement 89: Cover for Windscreens, Windows and Sunroof. Great Eastern's private car comprehensive page says the add-on pays for repair or replacement of your car's windscreen, windows and sunroof, including the tinting film, without affecting your No Claim Discount (NCD).
Many drivers assume a comprehensive policy covers everything. The consumer education site InsuranceInfo is clear that comprehensive cover is not fully comprehensive: cover for windscreens, windows and sunroof is an extra you add, just like special perils for floods. If you only hold third party cover, damage to your own car is not covered in the first place; see third party vs comprehensive car insurance.
| Glass or item | Covered by Endorsement 89? | What to watch |
|---|---|---|
| Front windscreen | Yes, repair or replacement | The most common claim, usually a crack from a stone thrown up on the road |
| Side windows and rear windscreen | Yes, repair or replacement | Paid within the same windscreen value you chose |
| Sunroof | Yes, repair or replacement | Sunroof glass tends to cost more, so check your limit |
| Tinting film on the damaged glass | Included at Great Eastern | Keep the tint warranty card or receipt, or photograph the film being peeled off |
| No windscreen add-on | Not under Endorsement 89 | Only an own damage claim is possible, and your NCD is forfeited |
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Does a windscreen claim affect my NCD?
This is the question I hear most often at renewal time, and the answer depends on whether you added windscreen cover:
- With Endorsement 89: Great Eastern's windscreen claim page says your NCD is not affected, in consideration of the additional premium you paid for the add-on.
- Without it: the same page says you can still claim under Own Damage (OD), but your NCD is forfeited.
According to InsuranceInfo, the NCD scale for a private car runs from 25% to 55%. The higher your NCD, the more a windscreen claim without the add-on costs you. To see your current NCD, use this guide on checking your NCD online.
| Situation | With windscreen cover | Without windscreen cover (comprehensive) |
|---|---|---|
| Claim made under | Endorsement 89 | Own damage section |
| Your NCD | Not affected | Forfeited |
| Most the insurer pays | The windscreen value you chose | As the own damage terms of your policy allow |
| Police report | Not required for a windscreen claim at Great Eastern | Follow the normal claim procedure; ask your insurer first |
Worked example: losing a 55% NCD over one piece of glass
The figures below are assumptions that only show how NCD works. Your actual premium comes from your insurer's quotation.
| Item (assumed) | At 55% NCD | After NCD is forfeited (0%) |
|---|---|---|
| Premium before NCD, per RM100 | RM100 | RM100 |
| NCD discount | minus RM55 | minus RM0 |
| What you pay | RM45 | RM100, about 2.2 times as much |
So a driver on 55% NCD who claims a windscreen under own damage could pay more than double the premium at the next renewal, and then has to rebuild the NCD one claim-free year at a time. That is why the first thing I check on any policy schedule is whether this one line is there.
How much windscreen cover should I choose?
The windscreen value is the most the add-on will pay, and the extra premium is worked out from the value you choose, so a higher value costs more. As an illustration, Great Eastern's online private car product disclosure sheet (valid as at 26 August 2025) shows a car insured for RM50,000 with windscreen, windows and sunroof cover of RM3,000. That is only an example: the right figure for you depends on what your car's glass actually costs.
Repair bills have been climbing. In a PIAM report carried by InsuranceInfo, the average cost per motor claim rose about 20% to RM8,831 in 2025, notably for models such as the Proton Saga and X50, mainly because spare parts cost more. PIAM also pointed to the sensors used by advanced driver assistance systems (ADAS), which add to repair costs when they are damaged. If your car has a camera behind the windscreen for its safety features, ask the workshop for the full replacement quote instead of relying on a figure from years ago.
Worked example: when the windscreen value is too low
All figures are assumptions for illustration.
| Item (assumed) | Windscreen value RM1,500 | Windscreen value RM2,500 |
|---|---|---|
| Bill to replace the front windscreen with tint | RM2,200 | RM2,200 |
| Most the insurer pays | RM1,500 | RM2,200 |
| You pay | RM700 | RM0 |
Before you renew, ask a panel windscreen specialist for a quote on your model, or send me your car model and I will help you work out a sensible value.
How do I make a windscreen claim? Steps and documents
Using Great Eastern General's windscreen claim process as the example, the steps are:
- Take photos first: photograph the damaged glass before any repair, including the tinting film if there is one.
- Check your policy schedule: confirm Endorsement 89 is there and note the windscreen value.
- Contact your insurer or agent: Great Eastern General's claims line is 1300-13-1088, email claimscare-my@greateasterngeneral.com.
- Choose where to fix it: a Panel Windscreen Specialist, a Panel Workshop or a franchise authorised workshop can handle the claim cashless. A non-panel shop is allowed, but on a reimbursement basis: you pay first and claim online.
- No police report needed: Great Eastern states that a windscreen claim does not require one.
- Repair or replace is the insurer's call: Great Eastern has the final say on whether the glass is repaired or replaced.
- After the work: take photos of the repaired or new glass, keep the original bill, and if the windscreen was replaced, buy the cover again (next section).
Great Eastern's windscreen claim document checklist lists what to prepare:
| Document | Note |
|---|---|
| Completed Windscreen Claim Form | Downloadable from the insurer's website |
| Photos of the damaged glass and of the glass after repair or replacement | Both before and after |
| Proof of tinting film | Warranty card, replacement receipt, or a photo of the film being peeled off the damaged glass |
| Original repair or replacement bills | Essential if you used a non-panel shop |
| Copy of the vehicle registration card or ownership certificate | Company cars also need business registration documents |
| Copies of the insured's and driver's IC and driving licence | Plus GDL or PSV licence where relevant |
| Copy of the policy schedule | Shows the windscreen endorsement |
| Direct Credit Facility Form with a copy of a bank statement | So the payment goes straight to your account |
After a windscreen claim, am I still covered?
Few drivers know this. In the questions and answers on its windscreen claim page, Great Eastern explains:
| Claim outcome | What happens to windscreen cover | What you need to do |
|---|---|---|
| Glass replaced | The cover ends as soon as the windscreen is replaced | Buy a new endorsement and pay the additional premium to stay covered |
| Glass repaired | The cover continues, but the limit drops by the repair cost | Pay an additional premium to restore the original limit |
A simple illustration with assumed figures: your windscreen value is RM2,000 and a chip repair costs RM300, so RM1,700 is left. If another stone breaks the windscreen later that year, the most you can claim is RM1,700. And if the first claim was a full replacement and you never bought the cover again, a second crack can only go under own damage, which costs you your NCD.
So whenever someone tells me they have made a windscreen claim, my first reminder is to restore the cover straight after the glass is replaced, rather than finding out at the next renewal that the car went months without it.
Windscreen cracked by a stone on the highway: can I claim from the highway operator?
If a stone from highway grass cutting cracks your windscreen, your own insurance is not the only route. A 2024 report on paultan.org described one driver whose windscreen was cracked by a stone thrown up by a grass cutter on the North-South Highway. She stopped, noted the contractor's details, photographed the scene and the kilometre marker, made a police report, and submitted the PLUS claim form (the report says within 24 hours of the incident) with her IC, driving licence, police report and photos of the damage, adding the repair bill later.
The same report flagged the catches: the money took about five months to arrive, so most people will pay first or claim from their insurer first; her second claim, for debris thrown up by the car in front, was rejected; and other highways have their own concessionaires and rules.
| Route | Upside | Watch out for |
|---|---|---|
| Your own windscreen cover | No police report, cashless at panel shops, NCD not affected | The cover ends after a replacement until you buy it again |
| Claim from the highway operator | Your own cover stays untouched | Police report and a short deadline, slow payment, not always in full, debris from other vehicles not paid |
This is general information, not legal advice; each highway operator's current rules apply.
Before your next renewal, let Lulu check your windscreen cover
If you are not sure whether your car has windscreen cover, the easiest step is to send me a photo of your policy schedule. I will check:
- whether Endorsement 89 is there, how much it covers, and whether that is enough for your model's glass;
- whether you have already claimed this year, so the cover may have ended or been reduced;
- if you drive for Grab or another e-hailing platform, whether you have the e-hailing extension. Great Eastern's private car PDS says this extension carries the add-ons on your main policy, such as windscreen and flood cover, over to e-hailing use. The same PDS says claims under the e-hailing extension affect your NCD accordingly, so ask how a windscreen claim during a trip is treated; more on e-hailing insurance;
- and when it is time to renew, I can handle your car insurance and roadtax renewal together.
I am based in Seri Kembangan and look after drivers across Kuala Lumpur and Selangor in Mandarin, English and Cantonese. I will not push an add-on you do not need: if your car is parked indoors and rarely goes on long drives, I will say so and help you pick a sensible value.