Claims Guide Handbook
Claims Guide Handbook
HANDBOOK
MOTOR
MOTOR ACCIDENT
• What should you do if you meet with a motor
accident?
VEHICLE THEFT
• Preventing Car Theft
• What to do if your car is stolen?
DOCUMENTS REQUIRED FOR MOTOR CLAIMS
• Own Damage
• Own Damage – Knock for Knock Claims
• Own Damage – Beyond Economical Repair
• Theft Claims
• Theft of Accessories / Radio Cassette Claims
• Windscreen Claims
• Third Party Property Damage Claims
• Third Party Bodily Injury Claims
FAQs
2
Motor Accident
12. Park with your wheels turned towards the kerb. Make your car tough to tow away. Wheels should also
be turned to the side in car parks and driveways.
13. If your vehicle is a rear-wheel drive, back into your driveway. Front-wheel drive vehicles should be
parked front-end first. On four-wheel drive vehicles, the rear wheels sometimes lock, making your car
difficult to tow-away.
14. Always use your hand-brake when parking. Leave automatic transmission in park and manual
transmissions should be left in gear. As well as ensuring safety, it makes your car much harder to tow-
away.
15. Consider having an engine immobilizer or fuel cut-out switch installed to restrict the theft of your motor
vehicle.
16. Use a locking device on the steering wheel or transmission gear lever. These devices act as a deterrent;
they are very visible and make it more difficult and time-consuming for the car thief.
17. If you are likely to leave your car unattended for a long period (extended Holiday or Work assignment)
you should consider disabling your vehicle by removing the electronic ignition fuse, coil wire or rotor
distributor.
18. For a car that is rarely used, consider a tyre or wheel lock. (Like the clampers use) This prevents the car
from moving.
19. Consider installing a car alarm. They sound a loud warning when the doors, bonnet or car boot are
opened.
Vehicle Theft
Own Damage
Claim Form duly completed.
Original Police Report.
Copy of Police Summons (If any).
Copy of Participant’s NRIC and Driving License.
Copy of Driver’s NRIC and Driving License.
Copy of Registration Card and Insurance policy.
Repairers estimate.
Form 9, 24 and 49 [If the claimant is a company].
Theft Claims
Windscreen Claims
Claim Form duly completed.
Copy of Participant’s NRIC and Driving License.
Copy Registration Card and Takaful policy.
Cash Bill.
Photographs depicting the damages.
Payment Authorization Letter. [If the participant has already replaced the
windscreen at the workshop]
Form 9, 24 and 49 [If the claimant is a company].
Documents Required for Motor Claims
Third Party Property Damage Claims
If your vehicle is involved in a minor accident whereby you may not want to make a claim on your own
policy but the accident involved third party property damage or third party bodily injury, please contact
our Customer Service & we shall advise you on the next course of action.
2. Which workshop do I send my vehicle to? Do you have any panel of repairers?
• As mentioned above, you must send your vehicle to one of the workshops in our panel as listed in
the booklet, corporate website or an authorized franchise repairer/dealer (car manufacturer
service centre).
Frequently Asked Questions (FAQ)
Motor Accident Claims
3. How fast can the claim be settled?
• Your claim will be approved within 7 days upon received of the complete documents and the
adjuster report for a standard Own Damage / Own Damage KFK claims.
• It is therefore important for you to ensure that all your documents are submitted to us without any
delay in order for us to expedite your claim.
4. After a survey is conducted by the adjusters, can I proceed to ask the repairer to commence with the
repairs?
• Our adjusters will submit their survey report to us upon completion of the survey.
• Upon receipt of their report together with the other relevant documents, we shall process &
approve the claim, following which we shall issue an approval letter to you.
• Only then can you advise the repairer of our approval amount so that they could proceed with the
repairs based on the amount approved.
5. What should I do if I want to make a third party claim against the insurers of the vehicle that had knocked
into my vehicle?
• Firstly, you should lodge a police report & notify us of the accident accordingly.
• Then, you should find out who the third party Insurers are in order for you to submit a claim to
them officially.
Frequently Asked Questions (FAQ)
Third Party Property Damage Claims
• For a third party property damage claim on your vehicle, you have to appoint an independent adjuster
to survey your vehicle.
• You are advised to contact the third party Insurers to find out whether they require you to use their
panel of adjusters & repairers, if any. As for the documents to support your claim, please find below the
list for your ease of reference:
Police report
Result of Police investigation
Adjuster's report together with the original photographs
A copy of the vehicle registration card
A copy of the road tax disc
Copies of your NRIC & driving license/ the driver's NRIC & driving license
A copy of the insurance policy schedule
Please attach an official letter of claim stating the breakdown of your claim. You can claim the
following items:
* Cost of repairs
*Adjuster's fees
*Loss of use of your vehicle (by number of days) or rental charges if you have rented a vehicle.
However, for rental of vehicles, Insurers will still base the number of days on the adjuster's recommendations in
their report.
*Cost of documents i.e. police report, RIMV search fees & etc.
Frequently Asked Questions (FAQ)
Third Party Property Damage Claims
However, if you have made an Own Damage claim (i.e. claim on your own policy for the repairs to your
vehicle), you are still entitled to claim from the third party Insurers your uninsured losses i.e. loss of NCB in
monetary terms, excess amount paid and the loss of usage of your vehicle. The documents to be submitted
are similar to the above except the adjuster's report and original photographs which will be furnished by
us to the third party Insurers upon request.
Meanwhile, with effect from 1st June 2001, in the event that your vehicle is knocked by a Third Party
vehicle (excluding buses, taxis, and hire vehicle) and you have a comprehensive policy, you may refer the
claim to us directly. Provided also that there is no personal injury claim involved. Your NCD shall not be
forfeited if you are not at fault.
19