Motor Insurance

Exchange Particulars

Please take note of the following:

1. Vehicle Registration Number / License Plates of all vehicle(s) involved.
2. Name(s), Address(s), Contact No(s), Make of Vehicle(s) and Insurance Companies of all vehicle(s) involved.
3. If possible, take digital/MMS photographs of all the accident vehicles and the scene of the accident which can be included during e-filing of accident reports later.
4. If there are independent witnesses available, please note down their Names, NRIC Numbers, Addresses and Contact Numbers.

** Please note that under the following circumstances, a police report must be lodged first:

• When there is injury to any parties (drivers, passengers or pedestrians, including cyclist);
• When the accident involves a government vehicle or damage to government property;
• When the accident involves a foreign vehicle;
• When the accident involves "parked and found damaged";
• When it involves a "hit and run";
• Theft of vehicle

For accidents in Malaysia

If your vehicle is involved in an accident with another vehicle in Malaysia, please report the accident to the local authorities. In the event the vehicle can no longer be driven, please ensure your vehicle remains within sight and contact our Malaysian Workshop to tow your vehicle to their workshop. You may contact us at 6389 6116 (Claims Department) for assistance. When you return to Singapore, please proceed with the following procedures for accident reporting:

• If the accident involves a Malaysia registered vehicle in Malaysia, please report the accident at our Accident Reporting Centres in person, bringing along a copy of the Traffic Accident Report lodged in Malaysia and other relevant documents from the local authorities (if available);
• For accidents with Singapore registered vehicles in Malaysia, please proceed to the Accident Reporting Centres, bringing along a copy of the Traffic Accident Report lodged in Malaysia and other relevant documents from the local authorities (if available).

Call any of our Accident Reporting Centres

Once particulars have been exchanged, call any of our Accident Reporting Centres hotlines for advice. If the accident vehicle cannot be driven, the Accident Reporting Centres will arrange for a tow truck. If the vehicle can be driven, you should drive your accident vehicle to the Accident Reporting Centres for reporting.

At the Workshop

1. If you are claiming under your policy (Own Damage (OD) Claim):
   (For Comprehensive Coverage Only) Depending on the terms of the policy, you may choose to bring your vehicle either to the Distributor or our Authorized Workshops. For vehicles insured under the AutoSafe Plan, it is compulsory that the vehicle be sent to our Authorized Workshop for repairs. Excess may be applicable. The distributor or workshop would handle the claim on your behalf by submitting a preliminary estimate of the repairs to our office. Following an inspection by our surveyor (on a case by case basis), we shall proceed to authorize the distributor/workshop to carry out repair works accordingly.
2. If you are claiming against the insurer of the Third Party: You may appoint workshops from our authorised list or your preferred workshop to handle the claim on your behalf. Please note that if you should choose this option, you will not be able to revert to your own insurance policy for indemnity (Please refer to General Condition 5 (b) of your Policy Jacket). ** In the event you receive a third party claim from the owner of the other vehicle(s) or his/their appointed representative, please contact us @ +65 6389 6116 and forward the documents received to our office immediately upon receipt of the documents.

Our policyholders are required to e-file their motor accident report within 24 hours of the accident or by the next working day with their accident vehicle (before any repair), no matter how trivial or even if there is no visible damage, and irrespective of whether you are claiming from any insurers or third parties, at the following centers:

* Vehicle must be present at the time of e-filing

Following the motor accident reporting, you would also be required to decide, within 14 days, if you would be claiming under your own policy or against the third party. (Please note that you will only be able to claim under your policy if your coverage is Comprehensive)

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If your vehicle is stolen in Singapore, please lodge a police report immediately and forward the police report to our office as well as your hire-purchase company (if relevant) immediately.

Similarly, if your vehicle is stolen in Malaysia, you are required to report to the local authorities and forward the police report to our office as well as your hire-purchase company (if relevant) immediately.

Investigation would be conducted accordingly.

In the event of a windscreen damage (provided there is no further damage to the Motor Vehicle), depending on the terms of your policy, you may choose to bring your vehicle to the Distributor (AutoExcel Plan), our Authorized Workshop (AutoSafe Plan) or Glass-Fix Pte Ltd.

For vehicles insured under the AutoSafe Plan, it is compulsory that the vehicle is sent to our Authorized Workshop/Glass-Fix Pte Ltd for replacement/repairs. An excess may be applicable.

The distributor or workshop would handle the claim on your behalf by submitting a preliminary estimate of the repairs to our office for assessment. We shall then proceed to authorize the distributor/workshop to carry out repair works accordingly.

The above gives a brief and generalised summary of the claims procedure and is not an interpretation of the policy terms and conditions. We would advise that the policy schedule, endorsement, policy jacket and/or certificate of insurance should be read in conjunction with the above.

Depending on the circumstances of each case, further investigations may be required and there may be a request for further documents. Assistance may also be sought from the policyholder.