Will I lose my NCB if I make a windscreen claim?
Some people have asked me whether a claim made on a motor insurance policy for breakage of windscreen or door window glass will result in forfeiture of their NCB for the subsequent policy year. The answer depends on whether you have purchased additional coverage for windscreen replacement.
By default, whilst you may make a claim for breakage of windscreen and the replacement, you stand to lose your NCB entitlement as it is a claim made on the policy. However, by purchasing additional premium for the coverage (which presently is calculated at 15% of the amount of coverage wanted), your NCB will not be affected.
Let’s say you have asked around some workshops and they say your motorcar’s windscreen costs RM500.00 to replace. Assuming you wish to get coverage for RM500.00, your additional premium will be RM75.00. Once you make a claim during a policy year, the sum insured on the windscreen will be used. Any remaining balance can be utilised for the remaining days of the policy year but it may not be adequate for another claim unless you purchase further coverage.
One piece of advise:- If you intend to purchase additional premium for windscreen breakage coverage, do insure up to the value of the rear windscreen (which usually has demister wires running across) as the rear windscreen is usually the more expensive windscreen compared to the front windscreen.
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5 Responses to “Will I lose my NCB if I make a windscreen claim?”
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that’s a good tip for the rear windscreen, I wonder if the side windows would be covered.
Wuah! Refresher course for me.
KY – Coverage for windscreen includes the front, rear and sides. Malaysians have this perception that it only covers the front windscreen. Do include labour charges when you pay premium. Woops, sorry, should have left it to Pablo to reply. Sorry boss.
KY : Well…er, Terence beat me to it. LOL!
Terence : Thanks Terence. You are right. The coverage includes labour but the usual practice is that the reasonableness on the quantum of labour charges is at the discretion of the Insurer. I would recommend that the yardstick be from the franchise holder’s quotation for replacement.
How do I find my “latest” ncb,if I have forgotten my last car insurer.
Lennie : Erm…assuming you are in Malaysia, you can do a search at the Jabatan Pengangkutan Jalan for details of your previous car’s insurer. Then, from there, you would be able to track down the insurer.