QUOTE(Jinster @ Mar 12 2012, 06:02 PM)
wah..normal car front windscreen highest also around RM3800...
by the way, never before did i hear insurance company cover "tinted"..i only know tinted shop cover their own tinted...
edit: read a few things about the windscreen...seems like it is normally around RM4500...insure higher is better is true but i'm quite baffled by the cost
I just renewed insurance for my other car, a Kenari. I bought insurance frm Etiqa since that car loan with maybank. In the insurance document, since I purchased windscreen cover, there is an attachment stating what is covered. It is stated clearly that it covers front and rear windscreen, including all windows and sunroof, including tinting. Max claimable amount is the sum insured, it is up to you how much you want to insure. Claim based on replacement receipt and all necessary documents e.g. claim form and photographs.
My insight is just few months old, so have not come to renewal part. The first insirance is MSIG, my SA advised me to cover windscreen with amount of RM 4,500 for the premium of RM 675. And looking at the fine lettering, there was this "Endorsement 89 - Breakage of Glass in Windscreen, Window and Sunroof". In the detail, it is mentioned "... we will pay the cost of replacing or repairing any glass in the windscreen, window or sunroof including lamination / tinting film, if any, of your vehicle following breakage of such glass up to an amount not exceeding limit as stated in the schedule." a.k.a your Sum Insured.
I think different insurance company have different terms. Strictly speaking, the term "windscreen" is only the front winscreen, excluding the rest of windows and tinting. So the best is to refer to you insurance covernote and look at the attachment part for windscreen add on coverage. It will normally state there what is covered and what is not, together with relevant terms and conditions.
I know, not many people like to read through the fine letterings.
Hope this helps to clarify.