Frequently Asked Questions About Malaysia Income Tax
What is Windscreen Insurance Coverage in Malaysia and how does it work?
Windscreen Insurance Coverage in Malaysia is a type of car insurance coverage that provides protection for damage to the windscreen or windows of a vehicle. This coverage typically covers repairs or replacement of the windscreen or windows in the event of damage caused by road debris, flying stones, or other incidents. The coverage may be included as part of a comprehensive car insurance policy or may be purchased as a separate coverage option.
Is Windscreen Insurance Coverage mandatory in Malaysia?
Windscreen Insurance Coverage is not mandatory in Malaysia. Car insurance policies in Malaysia typically include Third-Party coverage, which provides liability coverage for damage or injury to other people or property, but not for damage to the policyholder's own vehicle. Comprehensive car insurance policies may include additional coverage options, including coverage for damage to the windscreen or windows, but this coverage is optional and not required by law.
What is the process for making a claim under Windscreen Insurance Coverage in Malaysia?
The process for making a claim under Windscreen Insurance Coverage in Malaysia will vary based on the specific insurance provider and policy. However, in general, policyholders can follow these steps to make a claim:
Report the damage: As soon as possible, policyholders should report the damage to their windscreen or windows to their insurance provider.
Provide documentation: Policyholders will typically need to provide documentation of the damage, such as photos of the damage or a police report if the damage was caused by a road accident.
Obtain a repair or replacement quote: Policyholders will need to obtain a repair or replacement quote for the windscreen or windows from a reputable repair or replacement service provider.
Submit the claim: Policyholders should submit the claim form, along with the repair or replacement quote and any supporting documentation, to their insurance provider.
Review and approval: The insurance provider will review the claim and, if approved, will arrange for the repair or replacement of the windscreen or windows.
Payment: The insurance provider will pay the approved claim amount, minus any applicable deductible or excess, directly to the repair or replacement service provider.
The specific details of the claim process and the information required for a claim will vary based on the insurance provider and policy. Policyholders should consult their insurance provider for more information on the process for making a claim under Windscreen Insurance Coverage in Malaysia.
How do I determine the right amount of coverage for my Windscreen Insurance in Malaysia?
The right amount of coverage for Windscreen Insurance in Malaysia will vary based on several factors, including the policyholder's specific needs and financial situation. Here are a few factors to consider when determining the right amount of coverage:
Vehicle value: The value of the policyholder's vehicle can affect the amount of coverage needed for Windscreen Insurance. The higher the value of the vehicle, the more coverage may be needed.
Deductible: The deductible is the amount the policyholder pays out of pocket before the insurance coverage kicks in. Policyholders should consider the amount of their deductible when determining the right amount of coverage.
Driving habits: The policyholder's driving habits, such as the frequency of driving and the type of roads driven on, can affect the likelihood of windscreen or window damage and therefore affect the amount of coverage needed.
Budget: Policyholders should consider their budget when determining the amount of coverage for Windscreen Insurance. While more coverage may provide greater protection, it may also result in higher premiums.
Policyholders in Malaysia should consider these factors and consult with their insurance provider for more information on the cost and availability of Windscreen Insurance coverage. It is important to choose a coverage amount that provides adequate protection while also being affordable.
Are there any restrictions or exclusions to Windscreen Insurance Coverage in Malaysia?
Yes, there are restrictions and exclusions to Windscreen Insurance Coverage in Malaysia, just like with any other insurance coverage. These restrictions and exclusions will vary based on the specific insurance provider and policy. However, here are a few common restrictions and exclusions to Windscreen Insurance Coverage in Malaysia:
Age of the vehicle: Some insurance providers may have restrictions on the age of the vehicle that is eligible for Windscreen Insurance Coverage.
Type of damage: Some insurance providers may exclude coverage for certain types of damage, such as damage caused by natural disasters or theft.
Pre-existing damage: Some insurance providers may exclude coverage for pre-existing damage to the windscreen or windows.
Unauthorized repairs: Some insurance providers may exclude coverage for repairs or replacements made by unauthorized service providers.
Limitations on coverage: Some insurance providers may limit the amount of coverage available for Windscreen Insurance Coverage or the number of claims that can be made.
Policyholders in Malaysia should consult their insurance provider for more information on the specific restrictions and exclusions to their Windscreen Insurance Coverage. It is important to understand these restrictions and exclusions to ensure that the coverage provides adequate protection for their needs.
Most seasoned vehicle owners quickly realize that the windscreen is one of the most fragile parts of their car. Frequent long-distance drivers have reported that all it usually takes for windscreen damage to occur is for a flying pebble to hit the glass when driving at high speeds. It is where the top-notch windscreen insurance coverage we offer at FinCrew comes into play. Even if it’s only a little chip, you should always try to repair or replace your windscreen as soon as possible. Because that seemingly small chip or crack can impair your visibility while you’re on the road, you should have your auto insurance coverage complemented with reliable windscreen cover insurance to ensure you don’t endanger yourself or other road users.
Windscreen Cover Insurance – All You Need To Know
The FinCrew Windscreen Insurance Coverage is a product designed to help relieve Malaysians of the cost of windscreen repair and windscreen replacements. It’s an additional package you can get to bolster your comprehensive insurance policy on any car model. This product is especially worthwhile because it fixes your car’s windscreen without triggering your No Claim Discount or NCD. And, because it isn’t affecting your NCD, you’ll get even more value for your money when it’s finally time to renew your car insurance cover. So, when you take the time to go through our windscreen coverage price list or use our windscreen insurance calculator, you’re taking the first steps toward giving your car model the very best financial protection it can have on the road!
Is FinCrew’s Additional Coverage For Windscreen Expensive?
No, FinCrew’s car insurance premium for the windscreen is not expensive. Because our windscreen coverage price list aims to help you save on cost when you repair or replace your windscreen, our products are very budget-friendly. As a result, the additional premium you’ll pay here will only be 15% of the amount insured for your car’s screen! As an example, if the windscreen of your car model costs RM 2, 000 then all you’ll have to pay is 15% of this value which is only RM 300. And with that, you can take care of any expenses that might suddenly come up with your windscreen without using your No Claim Discount or NCD!
How To File a Claim For Your Windscreen Repair
Once you’ve gotten FinCrew’s windscreen insurance online and something happens to your windshield, you need to follow our simple three (3) step process to make your windscreen look as new again!
Step One – Send Your Car To Workshop
FinCrew is with more than 300 repair shops spread all over the country. When you purchase your windscreen cover with us, you’d have a list of all these agents. So, you must pick the panel workshop closest to you and send your car there.
Step Two – Show a Few Documents
So to document the claims filing process, you may need to tender a few documents. The paperwork you’ll have to show largely depends on which repair shop you go to. That said, the documents you should have handy include:
Your valid driver’s license.
Your valid vehicle owner’s identity card or MyKad.
Your vehicle grant.
An insurance cover note.
Step Three – Wait For a Little
Once you’ve shown the required document, you need to wait a few moments while the repair shop gets in touch with us. The moment they do, and they confirm your coverage, they’ll get the go-ahead to start fixing your windscreen right away!
Significant Causes Of Windscreen Cracks And Chips
The average Malaysian vehicle owner often has to repair or place their windscreen for several reasons. The most common ones are:
Due To Road Debris Hitting The Glass
Road debris damaging your vehicle’s windscreen can happen anywhere and anytime, even when your car is parked. The car ahead of you on the highway could kick a chip or stone your way, or a gusty wind can carry sharp-edged sand strong enough to chip your glass.
Due To Sudden Temperature Changes
Did you know parking your car directly under the sun on hot days can damage your windscreen? Not only this, but any sudden temperature changes that cause the glass of your windscreen to expand and contract too quickly can weaken and even shatter the glass.
Due To Poor Weather
Another common cause of damage to your car’s windscreen is heavy rain, winds, or storms. These may not attack your windscreen directly but could fling tree branches or other heavy objects at the delicate structure.
Due To An Accident
One of the parts of a vehicle most likely to get damaged during an accident is the windscreen. When you include windscreen insurance in your auto coverage, you give yourself a more significant edge in the event of a prang. Although your auto coverage might insure you for this, if your windscreen is the only part of your car that suffered damage, you may not be okay with losing your hard-won No Claim Discount or NCD. Our windscreen cover will ensure you don’t while saving you from out-of-pocket costs.
Staying Safe On The Road
Even though it doesn’t immediately appear as such, the truth is that the condition of your windscreen directly affects the roadworthiness of your entire vehicle. And while you may be able to get auto insurance to fix this, even repairing the windscreen damage out-of-pocket may appear more practical in some cases. So why take the risk?