Car Windscreen Cracked - How To Claim Insurance

The hit point o the lower right causing the crack to start across the screen

I had an unfortunate incident where a stone hit my windscreen right at the corner and has caused a crack that "grew" past the middle of the windscreen. Telling myself I do have an armor (6.5mil thickness) tinting and it would not cause the windscreen to shatter while driving. I gave a call to the insurance company that I subscribed to to understand the next step. 

the crack line "grew" in matter of hours due to heat exposure

This guidance while specific to Kurnia Insurance, it can be a generic guidance for you to claim against your windscreen coverage.

To begin with, do check if you indeed has windscreen coverage when you renew your car insurance. It is a separate premium to be paid on top of your car insurance. It is wise to check with your car service center the price/rate for your car windscreen replacement so you can appropriately insure them. For me, a message to my regular service champion tells me that RM6k premium to include tinting is sufficient. That work out to RM900 of insurance cover.

Pricing higher due to manufacturer's standard windscreen and not OEM is important as you can only claim this one time per coverage. Pricing for replacement outside is circa RM2K. 

Checked... and my coverage expire on June 7th

With that sorted (phew) here is how you can start the process to claim your windscreen insurance.

1. Decide if you want to change the windscreen at the Specialist/authorized panel of your insurance company, or you want to do it at a non-panel (like myself, I am sending it to my car service centre). This is important as the next few steps determine what needed to be done.

2. You decide on:

a. Specialist Windscreen Repairer (SWR) per your insurance panel

you will only need:

i. Copy of policyholder's IC or driving licence

ii. Copy of driver's IC & driving licence required if policyholder was not the driver at the time of accident.

b. Authorised Workshop per your insurance panel

You will need:

i. Copy of policyholder’s IC

ii. Copy of policyholder’s driving licence

iii.Copy of updated vehicle's registration card / vehicle ownership certificate (VOC)

iv. Copy of insurance policy

v. Copy of business form (if registered under company name)

vi. Copy of driver’s IC (if policyholder is not the driver)

vii. Copy of driver’s driving licence (if policyholder is not the driver)

viii. Copy of NRIC of the person who is dropping off the vehicle

ix. Payment authorisation letter & undertaking letter

x. Tinted warranty card

c. Non-Panel repairer including your car manufacturer service centre of your preferred workshop. This is the section that requires more effort as the very important Police Report need to be available. Depending on where the incident happen, the type of report and sign off determine the legitimacy of the claim. In my case, as I was driving when this happen, I will need to lodge a TRAFFIC POLICE report where the incident happen. If it is caused by vandalism or while parking (static), a normal Police report (at a police station nearest to where the incident happen) will suffice.

So you will need:

i. Copy of police report required

ii. Copy of policyholder’s IC

iii. Copy of policyholder’s driving licence

iv.Copy of updated vehicle's registration card / vehicle ownership certificate (VOC)

v. Copy of insurance policy

vi. Copy of business form (if registered under company name)

vii. Copy of driver’s IC (if policyholder is not the driver)

viii. Copy of driver’s driving licence (if policyholder is not the driver)

ix. Copy of NRIC of the person who is dropping off the vehicle

x. Payment authorisation letter & undertaking letter

xi. Tinted warranty card

xii. Reason why you went to a non-panel (usually the workshop will be able to justify)

Depending on your non-panel repairer, you may have to pay upfront and claim it back from your insurance later. However, with my Car Service location, i need not do anything. 

My tinting warranty card

One last thing - please make sure you have your tinting invoice as that is evidence that you can claim back from your insurance to replace the tinting. I kept all documents, and thus will get back the equivalent quality and value of the tinting - I've checked with my Service Centre, I will get the equivalent of my existing 6.5mil security tint from Hypergard. Come back later when i complete the process!