When renewing car insurance in Malaysia, most drivers only look at the final premium price. But have you ever wondered who will actually save you time and money when an accident happens, like a cracked windscreen?
As a specialist in European car parts and an authorized Allianz insurance agent, we always tell our clients: Don't just buy insurance from a salesperson; buy it from auto parts and repair experts.
A recent experience from one of our M.S. Motor clients perfectly illustrates why.
The Real Case: Going Back to the Authorized Dealer with an Under-Insured Windscreen
Recently, a client’s windscreen was shattered by a flying stone. Since he bought his car insurance through us, he contacted us immediately. Initially, he planned to send his car straight back to the Authorized Dealer for a replacement.
However, a huge problem arose upon getting the quotation: His windscreen sum insured was not enough to cover the dealer's exorbitant price for the glass plus the premium tinted film. If he proceeded, he would have to pay a hefty top-up fee out of his own pocket. Frustrated, he immediately called us for help.
Zero Top-Up for Glass & Tinted in Just 3 Hours Knowing the situation, we immediately activated our M.S. Motor VIP support:
- Matching with the Best Auto Glass Panel Workshop in KL: We bypassed the long queue and directed him to one of our highly trusted panel workshops specializing in auto glass replacement, booking a slot in advance.
- Seamless Allianz Claim Process: The client arrived at 10 AM. Because we had already negotiated and matched the market price of the parts with his insured amount, the workshop started immediately.
- Lightning-Fast Delivery: By 1 PM—in just 3 hours—a brand new windscreen was installed, complete with flawless new tinting.
The best part? It was fully covered within his sum insured. He didn't pay a single cent extra!
Why M.S. Motor Can Do This (And Normal Agents Can't)
If you buy your motor insurance online directly, you are on your own. When faced with an under-insured situation, an average agent will just say, "You have to pay the difference."
But at M.S. Motor, we do things differently:
- We Know the Real Cost of Auto Parts: Dealing with European car parts daily, we know the true market value of automotive glass and tinting. We maximize your claim to get the best quality without you having to top up.
- Extensive Network of Top Workshops: We know exactly which workshops in KL provide the best workmanship and fastest claim approvals.
- Preventing Under-Insurance from Day One: When you renew with us, we advise you on the exact windscreen sum insured based on current inflation and part prices.
Frequently Asked Questions (FAQ): Windscreen Insurance Claims in Malaysia
Q1: Why do windscreen claims at an Authorized Dealer often result in an "insufficient Sum Insured" (under-insured)?
A: Authorized dealers usually charge high brand markups, premium labor fees, and expensive original tinted films. If your initial Windscreen Sum Insured didn't buffer for these premium costs, you will have to pay the difference (top-up) from your own pocket. By using our trusted network of high-quality Panel Workshops, we can source OEM glass of the same exact grade and fully cover all replacement and tinting costs within your insured amount.
Q2: If my windscreen cracks, can I claim for my tinted film as well?
A: Absolutely! This is provided that when you purchased the "Windscreen Cover" add-on, the sum insured you declared included the total value of both the glass AND the tinted film. The insurance company will cover both. Always consult an agent who knows auto parts market rates to calculate the tinting price accurately during your insurance renewal.
Q3: Will a windscreen claim affect my next year's NCD (No Claim Discount)?
A: No. As long as you have purchased the specific "Windscreen Add-on", claiming for your shattered windscreen will not affect your existing NCD. However, if you don't have this add-on and force a claim under your main comprehensive policy, your NCD will instantly drop to zero, leading to a much higher premium next year.
Q4: How much Windscreen Sum Insured is recommended for Continental Cars like BMW and Mercedes?
A:Continental cars often have windscreens integrated with advanced electronics (e.g., Rain Sensors, ADAS cameras), making them significantly more expensive. Generally, a sum insured between RM 3,000 and RM 6,000 is recommended, depending on the car's manufacturing year and the grade of your tinted film. As European car parts specialists, we provide the most accurate sum insured recommendations based on current market prices to completely eliminate the risk of being under-insured.
Q5: What documents are required for an Allianz windscreen claim in KL, and how long does the process take?
A:The process is very straightforward. You only need to prepare: the Owner's and Driver's IC, Driving License, Car Grant (Registration Card), and the Insurance Cover Note. With complete documents and an experienced agent's arrangement, approval is extremely fast. At our designated Panel Workshops, replacement and tinting usually take only half a day (about 3 hours), and you can drive your car home on the very same day.
Is your motor insurance due for renewal? Get it sorted by the most knowledgeable European auto parts agent in KL! [Click Here for a Free Quotation]
Is your car insurance expiring soon? Not sure if your windscreen is under-insured? Contact M.S. Motor today. Let our expertise in automotive parts protect your drive!
About the Author / Disclaimer: This article is brought to you by M.S. Motor in official partnership with Corecover Consultancy, an Authorized Agent for Allianz General Insurance Malaysia. We combine automotive parts expertise with professional insurance solutions to ensure you are fully protected on the road.