Car Insurance Guide
Windscreen Insurance Malaysia: Coverage, Claims & Costs 2026
Everything about windscreen coverage — claim limits, replacement costs, ADAS calibration requirements, and whether this add-on is worth it for your car.
How does windscreen insurance work in Malaysia?
Windscreen coverage is a separate add-on costing RM50-150/year with claim limits from RM500-3,000. Claims don't affect NCD. Replacement costs: RM300-800 (Myvi), RM1,500-3,000 (ADAS cars like Civic, X50). Cars with Honda Sensing or ASA need RM300-600 calibration after replacement. Most insurers allow 1-2 claims per year.
Updated 2026 • Malaysia
What is Windscreen Coverage?
Windscreen coverage is a separate add-on to your car insurance — it is NOT included in standard comprehensive policies. Many drivers assume their windscreen is covered and discover the hard way during a claim.
This add-on covers damage to your windscreen (and sometimes side/rear windows) from stones, debris, vandalism, or accidents. The best part: windscreen claims do NOT affect your NCD, so you can claim freely without losing your no-claim discount.
Premium: RM50-150/year depending on your car and the coverage limit you choose. For most drivers, this is one of the best-value add-ons available.
How Much Does Windscreen Coverage Cost?
Windscreen add-on pricing varies by coverage limit:
| Coverage Limit | Annual Premium | Best For |
|---|---|---|
| RM500 | RM50-70/year | Perodua, Proton (basic windscreen) |
| RM1,000 | RM70-100/year | Most national cars, Toyota, Nissan |
| RM2,000 | RM100-130/year | Honda, mid-range cars with ADAS |
| RM3,000 | RM120-150/year(ADAS Cars) | Honda Sensing, Proton ADAS, luxury cars |
Choose a limit that covers your car's windscreen replacement cost + ADAS calibration if applicable.
Key Benefit: NCD Not Affected
Windscreen Replacement Costs by Car
Know your car's windscreen cost to choose the right coverage limit:
| Car Model | Windscreen Only | ADAS Calibration | Total Cost |
|---|---|---|---|
| Perodua Myvi / Axia | RM300-500 | RM150-300 (ASA) | RM450-800 |
| Perodua Ativa / Alza | RM400-600 | RM150-350 (ASA 3.0) | RM550-950 |
| Proton Saga / X50 | RM400-700 | RM200-400 (ADAS) | RM600-1,100 |
| Toyota Vios / Honda City | RM500-800 | RM200-400 | RM700-1,200 |
| Honda Civic | RM800-1,200 | RM300-600 (Honda Sensing) | RM1,100-1,800 |
| Honda HR-V / CR-V | RM900-1,500 | RM400-800(Expensive) | RM1,300-2,300 |
| Tesla Model 3/Y | RM2,000-4,000 | RM500-1,000 (Autopilot) | RM2,500-5,000 |
ADAS = Advanced Driver Assistance System. Calibration is mandatory after windscreen replacement on ADAS-equipped cars.
ADAS Calibration: The Hidden Cost
If your car has any form of ADAS (Honda Sensing, Perodua ASA, Proton ADAS, Toyota Safety Sense), the front camera mounted behind the windscreen must be recalibrated after replacement. This is not optional — driving without calibration means your safety systems may not work correctly.
Calibration costs RM150-800 depending on the car brand. This cost is often NOT covered under basic windscreen limits. For ADAS-equipped cars, choose a windscreen coverage limit of at least RM1,000-2,000 to cover both the glass and calibration.
Cars with ADAS cameras: Perodua Myvi/Ativa/Alza (ASA), Honda Civic/HR-V/CR-V (Honda Sensing), Proton X50/X70 (ADAS), Toyota Vios (TSS), and Nissan Almera (NIM).
Important: Don't Skip Calibration
When to Claim vs Pay Cash
Claim on Insurance
- ✓Full windscreen replacement needed
- ✓Cost exceeds RM300
- ✓ADAS calibration required
- ✓Multiple windows damaged
Remember: No NCD impact
Pay Cash
- ✓Small chip or crack (RM50-150 repair)
- ✓Chip can be repaired without full replacement
- ✓You've already used your annual claim limit
- ✓Cost is below excess amount
Small repairs often cheaper out-of-pocket
How to Make a Windscreen Claim
The windscreen claim process is simpler than regular claims:
Contact your insurer or agent
Report the windscreen damage. No police report needed for windscreen-only claims.
- •Have your policy number ready
Get approval and choose workshop
Insurer approves the claim and directs you to a panel workshop. Process usually takes 1-2 days.
- •Ask specifically for ADAS calibration if your car has it
Windscreen replacement
Workshop replaces windscreen and performs ADAS calibration if needed. Takes 2-4 hours.
- •Ensure OEM or equivalent quality glass is used
Cashless settlement
If using a panel workshop, settlement is usually cashless (direct billing). You pay nothing if within your coverage limit.
- •If cost exceeds limit, you pay the difference
Choosing the Right Coverage Limit
Basic Cars (No ADAS)
RM500-1,000 limit. Covers Myvi, Axia, Saga without ADAS. Windscreen replacement under RM500.
ADAS Cars (National)
RM1,000-1,500 limit. Covers Myvi ASA, Ativa ASA 3.0, X50 ADAS. Glass + calibration costs RM550-1,100.
ADAS Cars (Honda/Toyota)
RM2,000-2,500 limit. Covers Civic, HR-V, City with Honda Sensing/TSS. Total cost RM1,100-2,300.
Premium / EV Cars
RM3,000+ limit. Covers Tesla, BMW, Mercedes. Windscreen + Autopilot calibration can exceed RM3,000.
Is Windscreen Coverage Worth It?
Windscreen Insurance Malaysia FAQ
No. Windscreen coverage is a separate add-on that costs RM50-150/year. Standard comprehensive insurance does NOT cover windscreen damage. You must specifically request and pay for this add-on when purchasing or renewing your policy.
Add Windscreen Coverage to Your Policy
Protect your windscreen for as little as RM50/year. No NCD impact, cashless claims, ADAS calibration included. Get a quote with windscreen coverage today.
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