Motor Insurance Claims
In the unfortunate incident that get into an accident, you must report it to the insurance’s claims centre provided at cover inception within 24 hours or by the next working day to make a claim. Call us immediately on our hotline contact below and one of our agents will attend to you. Please note:
- Do not panic.
- If anyone is injured, call for an ambulance or for the police immediately.
- Do not move the vehicles unless absolutely necessary.
- Take photos of the accident scene and damage to all vehicles involved.
- You should avoid all unauthorized tow truck services or repair workshops. –
- You should not admit any liability, negotiate, or make any offer or settlement to a third party.
Exchange information and particulars with the other parties involved. This will include, but is not limited to:
• Licence plate number of other vehicles involved
• Make, model and colour of other vehicles involved
• Name, address and Identity Card details of the other drivers.
• Contact number of the other drivers.
• Insurance company of other vehicles involved.
In addition, try to obtain the following information for your reporting to the insurance company:
• Date, time and place of the accident.
• Positions of the vehicles before and after collision.
• Particulars of all injured persons, if any, and note the extent of injuries.
• Particulars, such as name and contact number, of any witnesses.
• Weather and road conditions, e.g., visibility, whether traffic was heavy.
You must also report the accident to the police if it involves:
- An injury.
- A government vehicle.
- Damage to government property.
- A foreign vehicle.
- A pedestrian or cyclist.
- Hit-and-run damage to your vehicle.
Should a non-injury accident be subsequently reclassified as an injury accident, the Traffic Police will start an investigation and contact you for a statement.
Report the accident within 24 hours of the occurrence or by the next working day. You will need to take your vehicle (regardless of whether it is damaged) to the approved assessment centres. Take the following with you to the reporting centre:
• Your identification card or passport and driver’s licence.
• For company-registered vehicles, your company certificate.
Important note:
You need to report all accidents promptly, regardless of whether you intend to make a claim. If you do not do so, your No Claim Discount may be reduced upon renewal.
Determine the type of claim you are making:
• Own damage claim - claiming under your own policy.
• Third party claim - claiming from the other party if they are at fault.
• Private settlement - both you and the other party decide to settle the claim yourselves, without involving the insurance companies.
