Don't really understand on the insurance thing.
If one has bought the WS insurance for a year, does it mean it can cover only 1 time/year??
Yes, Windscreen Insurance is protection for one year and claim one time only, if full amount is claimed.
Example - Insurance starts Jan to Dec, Bought RM1000
In Feb you claim for damaged windscreen which was replaced at RM1000. Even if RM1200, maximum amount to claim only RM1000, then from that time onwards windscreen have no cover unless you cover the windscreen again.
However if windscreen got pitted and was repaired at RM200. You can claim the RM200, then for the rest of the year windscreen cover is only RM800 balance.