hello pulis...

hello pulis...
If u addon windscreen during insurance renewal usually they dont ask for photo...they will only ask photo if u suddenly addon windscreen after u renew insurance.

u think insurance company stupid meh??
do u know photo got embedded date/time?
anyhow usually insurance company will give u benefit of doubt and trust u...if anyhow u try to be sneaky and they found out they will reject ur claim and may even blacklist u and/or including report police for insurance fraud.
becareful insurance fraud is not a small matter yo

No need for photos if you bought windscreen insurance from when your car is new.

If yours is an old car without windscreen insurance but want to insure it now then you have to submit photos.

This is to prevent cheating. There are dishonest people who buy it after the windscreen cracked and then make a claim.

My CR-V's windscreen recently cracked. I insured it from new.

I just make an appointment with the anthorised dealer, submit the documents, sign a form and they do the rest. By end of the working day I got the car back. 😊

Change windscreen obviously will need to take photo after changed (for claim ofcourse) regardless u topup or no topup.. that will be done by the windscreen specialist shop.
Like i've said, they will trust u no cheat them. if found out u in deep trouble.

The truth is, they didnt check but only archive your images for fraud purposes, if they found out you fraud, only will send you letter je.
They will proceed with your claim, but
your NCD will be 0%.

you cant outgame the insurance company,
Eventually you need to pay them for a long run
but last time i claim the windshield, it's quite easy though.
Jangan la so surprise of the attempt illegal insurance claim in the Malaysia.
Boleh buat but dont talk publicly la
cari hal saje