How to make a claim?
If you are involved in a road accident, make notes of the accident including
the names and addresses of all drivers and plate number of vehicle involved
in the accident. Also note the make and model of each vehicle involved and
insurance identification. Record the names and addresses of as many
witnesses as possible.
When making your police report, provide the police with whatever information
they require and obtain a copy of the report. Contact and inform your
insurance agent or insurance company regarding the accident and seek advice
on what forms or documents are required to support the claim.
Normally, the claim form is to be submitted with (i) the police report
lodged by the driver, (ii) photocopy of the Identity Card, (iii) Driver's Licence (iv) Vehicle Registration Card and (v) Road Tax disc.
My vehicle was
stolen. How do I make a theft claim?
a. Remain calm and ascertain whether your vehicle has actually been stolen.
Eliminate the probability that that your vehicle has not been towed away or
seized by the local authorities for errant parking/ traffic obstruction or
repossessed by your hire purchase owner or finance company.
b. Immediately lodge a police report at the nearest police station with
details such as date and time when your car was parked, date & time of loss
being discovered, exact location of loss, vehicle's particulars
(registration no., make & model, chassis & engine no (if available). It is
best for you to bring along a copy of the vehicle's Registration Card for
easy referencing and action by the police.
c. Collect the Claim form and notify your insurer or your servicing agent
within 14 days.
d. Fill up the Claim form attached with the relevant documents to the
insurer within 14 days.
How soon should you call your insurer?
Insurance companies expect you to do this as soon as possible. Any
unreasonable delays may prejudice your case. The best advice would be that
when in doubt, it is better to notify your insurer sooner rather than later.
If someone else is claiming against you for damage to their vehicle or for
personal injury, it is very important to contact your insurance company
immediately. You will be told what to do and it is very important to follow
the instructions given.
What about repairs?
In a vehicle accident where your car is considerably damaged, the first step
is to ascertain whether your policy covers damage to your vehicle. If yes,
take your car to a PIAM-authorised repairer and inform your insurer
immediately that you have done so. If your insurer recommends or requires
that repairs be done at a specified workshop, then take your car there as
advised. Any estimates should be sent to your insurer for checking purposes.
Alternatively, the insurer will send an insurance loss adjuster to assess
the damage to your vehicle, after which the insurer will authorise repairs.
The insurer will authorise repairs subject to a satisfactory claim form
being submitted together with the relevant documents.
If you have an 'excess' on your policy, you must pay the amount of the
"excess" direct to the repairer. The "excess" is that part of the claim that
you have agreed will be borne by you. Check your insurance policy for this
"excess" amount. The excess is payable irrespective of who is to blame.
If your policy does not cover damage to your car and you make a claim
against a third party, you would need to notify the other driver in writing
of your intention to claim from him and ask him to notify his insurers.
If possible, write to his insurers if you have details - quoting his policy
or certificate of insurance number and send an estimate of damage as soon as
The other driver should tell his own insurers of the accident as his
insurers will only be able to deal with your claim if they have been asked
to do so by their policyholder. Lastly, you should inform your own insurers
that you are claiming against the third party.