What You Need to Know About Making a Claim on Your Car Windscreen Insurance
Your car's windscreen is a crucial component, providing not only visibility but also structural support to the vehicle. However, chips, cracks, and damages are inevitable, and that's where car windscreen insurance comes into play. In this blog, we will delve into the essential aspects of making a claim on your car windscreen insurance, ensuring you have a clear understanding of the process and your rights.
Understanding Car Windscreen Insurance
Car windscreen insurance, a subset of comprehensive car insurance, specifically covers the repair or replacement costs associated with damages to your vehicle's windscreen. It is a safeguard against unexpected expenses that may arise from wear and tear, stone chips, or even more severe incidents like accidents.
Key Points to Remember
Comprehensive Coverage Inclusions:
Car windscreen insurance is often included in comprehensive coverage plans, which not only cover damages to your vehicle but also provide protection against theft, natural disasters, and other unforeseen events. Ensure that you have a comprehensive insurance policy that explicitly mentions coverage for windscreen damages.
Exclusions and Limitations:
Like any insurance policy, car windscreen insurance may have exclusions and limitations. Common exclusions include damages resulting from intentional acts, pre-existing conditions, or negligence. It's crucial to review your policy carefully to understand the specific terms and conditions.
Making a Windscreen Insurance Claim
These simple steps will help you file an insurance claim for windscreen replacement or repair if your windscreen chips or cracks.
- Send your car to a panel workshop or repairer. Simply contact your insurer’s hotline to locate a panel workshop near you.
- You may have to provide a copy of the following documents to the panel workshop for insurance claim purposes:
- Vehicle owner’s identity car (MyKad)
- Vehicle owner’s driving licence
- Vehicle grant
- Insurance cover note
In addition to handling your insurance claim directly with your insurer, the panel workshop will replace or repair your windscreen.
Documents You Will Need
For private vehicles
- Owner IC and Driving License
- Driver IC and Driving License (If required)
- Cover Note or Insurance Policy
- Vehicle Registration Card
For company-registered vehicles
- Authorized Driver IC and Driving License (GDL or PSV is required for good-carrying vehicle)
- Cover Note or Insurance Policy
- Vehicle Registration Card
- Business Registration(front pages only)
- Company Chop
Conclusion
Car windscreen insurance provides a safety net for unexpected damages that can compromise your driving experience and safety. By understanding the ins and outs of making a claim, you empower yourself to navigate the process seamlessly. Remember, prompt action, thorough documentation, and adherence to the claims process are key to a swift and hassle-free resolution. With the right knowledge and a reliable insurance policy, you can hit the road with confidence, knowing that your car windscreen is backed by comprehensive protection.