A Detailed Guide on Windscreen Insurance in Malaysia

Here in this post, you will find a detailed overview on Windscreen insurance along with the documents you will need to have during your insurance.

No other guide on the internet is going to explain each and every step in detail but our manual will have all the necessary information to accomplish your windscreen insurance process smoothly.

In this article you will find:

1.     Types of windscreen insurance claims

2.     Who can make a claim?

3.     How can you make a claim?

4.     Document Checklist

5.     FAQ Section

 

Types of Windscreen Insurance Claims

An Insurance claim for damage to your vehicle's windscreen that occurred as a result of an occurrence covered by your insurance company.

 

Windscreen claims are of two types:

1.     Windscreen replacement: The windscreen should be completely replaced. Unless you restore the windshield protection with an extra premium, you can only make ONE windscreen claim throughout the term of your policy.

2.     Windscreen repair: A claim for windshield repair. The sum insured for the windscreen will be reduced by the amount claimed. You can either pay an additional premium to reinstate the amount or keep the balance after the claim has been processed.

You may get a repair or replacement without having to worry about your NCD.

 

Who can make windscreen insurance claim?

Only available for policyholders with a windshield cover extension who have a comprehensive car insurance policy.

 

How can you make windscreen insurance claim?

Take your car to a windscreen specialist i.e., mobilewindscreen.com.my center near you for repair or replacement, or call us for help.

 

 

Document Checklist

When a vehicle is submitted to our Mobile Windscreen center, the following documentation are required:

i.                   If a policyholder drives a car into Mobile windscreen center,

·        There is no need to file a police report.

·        If the policyholder was not the driver at the time of the accident, a copy of the policyholder's identification card or driving license is necessary.

 

ii.                 If policyholder does not drive vehicle into Mobile Windscreen center:

·        There is no need for a police report.

·        Copy of the policyholder's identification card or driver's license. Copy of the driver's identification card and driver's license. Copy of the updated registration card. Copy of the insurance policy.

·        a duplicate of the business form (if registered under company name)

·        a copy of the individual who dropped off the vehicle’s.

·        Please see additional information regarding Mobile Windscreen on official website as Panel Repairer, Franchise Repairer, and Non Panel Repairer.

 

FAQs

1. What is vehicle insurance and how does it work? What is the significance of it?

Ans: Car insurance protects you, your car, and co-passengers against losses resulting from legal claims brought by a third party in the event of an accident caused by you, or damages resulting from man made/natural disasters to you, your vehicle, and co-passengers.

 

2. Is automobile insurance required in Malaysia?

Yes. The Vehicles Act requires you to ensure your automobile as soon as you buy it.

 

3. What kinds of automobile insurance are available in Malaysia?

Ans: 'Third Party Insurance' and 'Comprehensive Insurance' are the two forms of auto insurance available.

Third-party insurance covers damages resulting from bodily injury or death to a third party, as well as property damage. Third-party liability insurance is mandated by law.

This insurance, on the other hand, does not cover damages caused by physical harm or death to you, your car, or your co-passengers. Comprehensive Car Insurance, in addition to third-party coverage, should be purchased if you wish to be paid for any losses to you, your co-passengers, and your car.

 

4.     Which policy, Comprehensive or Third Party, is preferable?

Ans: A comprehensive car insurance policy is preferable since it covers third-party liability as well as damages/losses to one's own vehicle, co-passengers, or self.

 

5.      Is automobile insurance mandatory?

Ans: You must provide your insurer with all pertinent information on your insurance. If you don't, your insurance may become invalid or uninsured, leaving you with no protection. Insurers require information about you, including your personal information, driving history, car owner, vehicle information, and location.

6.     Why do insurance firms charge different premiums?

Ans: In order to determine premiums, insurance firms utilize a variety of data and methodologies. Some businesses specialize in specific regions or types of services and are willing to provide discounts in those areas. This complicates things further because different firms offer different pricing.

 

7.     How is the premium amount determined?

Ans: a. Vehicle make and model.

b. Production year

c. Registration location

d. The vehicle's current retail price.

f. Whether the client is a private person or a business.

The quantity of the primary insurance and the following premium are also affected by the vehicle's cost.

 

8. What if I don't obtain a Certificate of Insurance immediately away?

Ans: You will receive a Cover Note if you do not obtain your Insurance Certificate immediately. It's a temporary insurance certificate that serves as evidence of coverage and allows you to register your car with it.

After 60 days, the Cover Note is replaced with the real policy paperwork and certificate.

 

9. What is covered by a paid driver's Legal Liability?

Ans: Legal Liability insurance covers any legal recompense that may be required if a third party files a claim for damage, loss, or fire against the driver. During the policy time, the driver is covered up to the amount of his income. Accidents and occupational illnesses are also covered.

 

10. Can I get a policy for someone else's car?

Yes, this is correct. Anyone can acquire insurance on behalf of the insured; they do not have to be the owner.

 

11. Is it possible to renew my car insurance online?

Ans: Yes, as long as it's renewed within 2 months before the policy's expiration date and 6 days after the prior policy's expiration date.

 

12. What if the accident occurs in a city different than the one where the car insurance policy was purchased?

Ans: It makes no difference where the collision occurs. You are covered throughout the country if your auto insurance coverage is in force.

 

13. Is the insurance company willing to provide an advance based on a damage estimate?

Ans: This is a procedure that differs each firm. Most businesses provide a cashless claim service, which means you don't have to pay for the repairs because they are handled by the business.

If you choose for the non-cashless service, you will be paid once all repairs are done and the invoices have been filed to the insurance company. If you are unable to pay the whole amount due, you must notify the insurance agent, and the insurer will settle the remaining balance.

 

14. What are the most significant paperwork for the vehicle?

Ans: The Certificate of Insurance verifies that the vehicle's owner has current auto insurance. Only if the car is registered to you, that is, if you own it, can you make a claim for insurance. In order to make the appropriate endorsement, the insurer must be informed.

If your certificate has been damaged, disfigured, or lost, you can obtain a copy by paying a fee and submitting an affidavit confirming your need for a duplicate.

The driver's license verifies that he or she is legally permitted to operate a certain car. In addition, driving without a legal license is a criminal crime. You'll need a learner's permit if you're just starting off driving.

A Certificate of Registration verifies that a vehicle has been properly registered in your name under the Motor Vehicle Act. The Registration Certificate, or an authenticated duplicate thereof, must be carried in your vehicle at all times by law.

 

15. What isn't covered by auto insurance?

Car insurance does not cover consequential damage, depreciation, wear and tear, mechanical and electrical failure, war hazards, intoxicated driving, or vehicles operated by anyone other than the named driver. In addition, when the vehicle is operated outside of the geographical region, the insurance does not cover failure or breakage.

 

16. What is voluntary excess, and how does it differ from involuntary excess?

Ans: Voluntary excess is a choice made by the customer to absorb a portion of the loss from each claim. When a car owner chooses this option, the insurance company reduces the rate.

Source: https://gervaisjervis9.wixsite.com/windscreenmalaysia/post/insurance-claims-in-malaysia