Sum Insured + Windscreen for E36 318

[Russie]

Hello guys, I will be renewing the insurance and road tax for my car very soon. Just wanna check what is the recommended sum insured for E36 318i (manufactured in 1997) and registered in 1998?And what is the right amount to insure for the windscreen coverage (for original windscreen)?Your advice pls.Thanks

 

[8080pbmw]

Original BMW are not common anymore. in fact the windscreen on our CKD bimmer are local made with JIS stamp instead of the TUV one that is found on CBU units.
I changed mine last year at the cost of RM6xx ,it is local made laminated type with the shade on top end of the windscreen.
The insurance also pays for your tinting film so long as you can prove to them with receipt that you have one installed on your car prior to the claim.
cost of premium is 15% of the insured value. I paid RM150 for RM1000 value.
The insurance company will ask you to go to their panel with a copy of your ic, car's registration card , insurance policy and receipt of your tinting for the claim. if all is intact, they will do it immediately after taking pictures of the cracked windscreen. You don't even have to pay anything as the panel glass workshop will claim from the insurance company.
The windscreen policy covers all glass windows, rear windsreen and even sunroof besides the front windscreen. IMHO, worth adding on to your insurance policy as it does not effect the NCB. but you may be asked to reinstate the policy for the remaining period of the main policy.

All in all, I think RM1000 insured value is good enough for E36 but if you have v-kool tint, maybe RM1500 is better.

 

[ICEMAN 68]

i did mine at rm 1500

if we insured rm1000K ..the amount is sufficient just to cover the cost of the mirror itself ...but with workmanship , glue , rubber linning will set you up merely another rm 500 ...there fore rm1500 is the best deal for an e36...

 

[8080pbmw]

yeah. RM1500 is safer as labour charges in KL will be higher.
premium only RM225 which is only RM0.62 per day. Cheap lah for that peace of mind when some bugger lorry driver decided to overload his trip with rocks.

 

[Russie]

Thank you guys for the input. In fact, previous year I also insured the windscreen coverage for RM1k (this is applicable for all windows, not just the front screen - as confirmed under the General Insurance Clause). Will stick to RM1k for the windscreen coverage.

How about the sum insured for E36 318i (year 1998 registered)? Need to know the fair OMV of the car so that I dont over insured it or under insured it.

Once again, thanks

 

[sithwarrior]

I insured mine for 2k, but I paid something like 300 or 350 for it... which was a darn good thing, coz my windscreen broke over a year ago

 

[astroboy]

I claimed my E36 windscreen before back in year 1999. Cracked it due to my stupidity.. I removed the viper to wash it leaving the wiper arm standing.. it collapsed by itself and WHAM! knock onto my windscreen with wiper removed!!

Immediately go buy insurance worth for RM1200, sent to workshop to replace windscreen, and the top rubber lining. Total cost about RM1,100 but billed RM1,200.. for insurance purposes

 

[E46Fanatic]

Many insurance companies will get you to repair the windscreen instead of replacing it these days if its quite minor.

They way I look at it, insurance companies always make money based on the claim odds and premium charge so, you may want to just take your chances and go exposed when it comes to windscreen coverage. Alot will depend on your commute pattern and area u frequent. More construction areas, trucks, and highway driving your odds of claiming back the benefit will be higher .

For me I've never cracked my windscreen based on my commute pattern since I started driving 18 years ago. Also never opted to pay for windscreen coverage before, so if it does crack, even now, it's still worth it to replace it on my own heh.

 

[astroboy]

I only bought windscreen insurance twice in my driving life till todate.. first time is the above, after windscreen cracked.. 2nd time is for my brand new E90.. kiasi.. the new E90 windscreen really too expensive nia ... better transfer the risk to the insurer.. Good financial planning is to manage risks instead of exposing yourself.. .. been lucky for too long..

 

[ICEMAN 68]

shheessss ... if windscreen crack ..time to visit the nearest KTM and whack kaw kaw ... what else larrr if you're a gambler .... muahhhhh