Motor Insurance

Claim Procedure

1.

Notify Relevant Parties

  • If there are injuries, dial 995 for an ambulance or 999 for the police. Do not remove the vehicles unless you need to rescue the injured parties. Move your vehicle to the side if no one is injured.
  • If you require tow-truck service or further advice on the accident, please call our 24-hour helpline at +65 6827 7660.
2.

Collect Information

  • Take photographs of the accident scene and damaged vehicles. You may approach any of our authorised workshops or IDAC centres for assistance to download the photographs.
  • Exchange information and particulars of driver/owner, including name, NRIC/FIN, telephone number, email address, insurer and policy number. Note down the vehicle registration number and vehicle details.
  • Note down the name, address and contact number of any eye-witness(es).
  • Avoid all unauthorised tow-truck operators or repair workshops.
  • Do not admit liability.
3.

Report Accident

  • File a police report under the following circumstances: 
    • injury case
    • hit-and-run case
    • non-injury involving:
      1. government vehicle 
      2. damage to government property
      3. foreign vehicle 
      4. pedestrian or cyclist
  • Report your accident and bring your accident vehicle (regardless of the extent of damage) to our approved reporting centres/authorised workshops within 24 hours or by the next working day. If you do not comply with this requirement, you may lose your No Claims Discount (NCD) (all or part) during your policy renewal and your rights to claim under the policy may also be affected.
  • If you are making a claim under your own policy, you may request any of our authorised workshops to submit a quotation for repairs to us. You need to decide if you are claiming for your own damage repair and the claim needs to be submitted within 14 days of occurrence or discovery of damage.
  • If you are making a third party claim at our authorised workshops, an estimate will be prepared and the third party insurer will be invited to survey your vehicle within 2 working days (from date of accident).
  • If you are making a third party claim against a Singapore insurer at our authorised workshop, an estimate will be prepared and the third party insurer will be invited to survey your vehicle within 2 working days. For accidents involving Malaysian registered vehicles and /or insurer, you are advised to claim under your own insurance policy. Please visit the General Insurance Association (GIA) website for more information on claiming against a foreign motorist.

MMX3a

Text
Supporting Documents for Motor Claim

You can help us to expedite your claim by providing the required documents promptly.

We will contact you for any additional documents that may be required.

Checklist
Print
When lodging an accident report at any IDAC centre or our approved reporting centre/authorised workshops
When making a repair claim for your vehicle within the authorised repair limit
When making a medical benefits claim for you and/or your passengers
When making a Personal Accident Claim
When making a third party property damage claim
When making a third party bodily injuries claim
FAQs

Accident Reporting

1. Where can I get the Motor Claim Form?

The Motor Claim Forms are no longer in use. Please go to any authorised workshop or IDAC to report an accident.

2. When do I need to make a police report?

Please make a police report at the nearest police station within 24 hours when:

  1. An injury is involved
  2. A government vehicle or property is damaged (E.g. Police car, traffic light, lamppost and road divider.)
  3. A foreign vehicle is involved
  4. A pedestrian, cyclist or Personal Mobility Device (PMD) user is involved
  5. It is a “hit-and-run” case
3. What do I do if the motor accident happens in Malaysia?

Please exchange particulars including insurance details with the party/parties involved and make a police report in Malaysia.  

Please drive your vehicle back to any authorised workshop in Singapore for damage assessment and repairs.
If you require towing services, please call our authorised workshops or 24-hour Roadside Assistance at 6337 1208 for assistance. Our partners will arrange for a Malaysian counterpart to tow your vehicle to the Causeway where our authorised workshop will take over the towing of your vehicle.

Alternatively, you may arrange for your own towing services and submit the towing receipts for reimbursement under your comprehensive motor insurance policy of up to S$500.

4. How do I submit a windscreen claim?

Please send your vehicle to any of our authorised workshops or contact our windscreen specialist, Glass-Fix Pte Ltd, at 6278 0887/6570 3906 for assistance.

Our workshops will provide you with a Windscreen Claim Form to complete.

Note: Only broken windscreens are payable. Chipped or scratched windscreens are not claimable for windscreen claim.

5. How do I submit a fire/theft claim?

Please make a police report and submit a copy of the report to any of our authorised workshops or IDAC for accident reporting.

In the event of a fire, please send the damaged vehicle to our authorised workshops for damage assessment and repairs.

6. How do I submit a claim if my vehicle is damaged as a result of flood or fallen tree?

Please send or tow your vehicle to an authorised workshop to report the accident and have your damaged vehicle assessed and repaired.

If your vehicle is damaged by a fallen tree, please take photographs of the fallen tree to capture any decay as well as the general position to determine the locality of the tree. Please submit these photographs to the authorised workshop when you make the accident report.

Note: NCD will be affected and policy excess is applicable for all own damage claim as a result of flood and/or fallen tree.

Coverage

7. Can I submit a claim if my vehicle breaks down/has punctured tyres/experiences a mechanical/electrical breakdown?

No, the comprehensive motor insurance policy provides cover for accident-related repairs only. If your tyres are damaged in an accident with other parts of the vehicle damaged, the vehicle repairs and tyre replacement will be covered.

8. If my car was broken into and my personal belongings/car accessories stolen /damaged, can I submit a claim under my policy?

Please check your policy documents as the cover differs between policies.

Generally, the comprehensive motor insurance policy covers broken or smashed windows as part of the windscreen coverage. It also covers standard car accessories.

Third Party Claim

9. I have received a letter from a third party lawyer, what should I do?

Please do not reply to the third party lawyer.

If the letter is addressed/copied to us, you do not need to do anything. Otherwise, please send or email a copy of the letter to us.

10. What do I do when I receive a Writ of Summons?

Please write down the date and time you received the Writ of Summons and your vehicle number and send a copy (via fax, email or hand) to us immediately.

Please note that we will need to respond within 8 days from the date you received the Writ of Summons.

11. What must I do when I receive a letter from MSIG informing me of a Third Party claim received?

If you have any other evidence such as witness statement, video footage or police investigation results, please submit these items to us.

If you would like to handle the claim from third party on your own (without involving your insurance policy), please contact the claims officer in the letter. 

Otherwise, there is no further action needed from you and we will handle the Third Party claim accordingly.

12. If the Third Party Insurer rejected my claim, can I now submit a claim under my policy?

No, we will not allow partial or full reversion/submission of claims beyond 14 days from the date of accident/discovery of loss.

13. If my claim against the Third Party Insurer is settled at 70%, can I submit a claim for the balance 30% against my policy?

No, we do not allow partial or full reversion/submission of claims. If the liability is unclear, we advise you to check with your claims officer for advice.

No Claim Discount (NCD)

14. When will my NCD be affected?

Your NCD will be affected when there is a claim (own damage and/or third party claim) made under your policy. NCD may also be affected for late reporting or in anticipation of a claim.

If you have more than one claim made during a policy year, your entire NCD will be removed.

15. If I have an NCD Protector, will my NCD be affected in the event of a claim?

Your NCD will be protected for the first claim arising out of the same accident made during the period of insurance. If you have more than one claim arising out of different accidents, your NCD for the subsequent claims will be affected.

Note: Your NCD may still be reduced for late reporting with NCD Protector.

16. When will the NCD be returned/reinstated to me?

Your NCD will be reinstated if you have:

  1. Recovered at least 80% of your uninsured losses claim (policy excess, loss of use/rental and incidental expenses) from the Third Party Insurer
  2. A documented and signed private settlement with the other party (i.e. without claiming from any insurance company for Own Damage/Third Party claims)
  3. A written confirmation from Third Party that they are not submitting a claim
17. How do I request for a reinstatement of my NCD?

Please submit the following documents:

  1. Third Party Discharge Voucher signed by you
  2. Offer letter from Third Party Insurer showing the details of settlement
  3. Private settlement note signed by both parties
  4. Written confirmation from Third Party that no claims will be submitted
Workshop & IDAC Locator

Location

Workshop

IDAC

IDAC Kaki Bukit (VAC)

23 Kaki Bukit Avenue 4
Singapore 415933
Tel: 6741 6697

Get Directions

IDAC

IDAC Paya Ubi (NAC)

No. 51 Ubi Avenue 1 
#01-25 Paya Ubi Industrial Park
Singapore 408933
Tel: 6841 0055

Get Directions

Workshop

Premier Automotive Services Pte. Ltd

23 Changi South Avenue 2
#01-02 Singapore 486443
Tel: 65446682

Get Directions

Workshop

Falcon-Air Auto Services Pte Ltd

Blk 9006 Tampines St 93 #01-200
Singapore 528840
Tel: 6789 7997

Get Directions

Workshop

NPH Auto Services

Blk 9005 Tampines St 93 #01-246/254
Singapore 528839
Tel: 8233 1010

Get Directions

Workshop

Kan Fook Sing Motor Workshop

1 Kaki Bukit Ave 6
Autobay @ Kaki Bukit #01-13
Singapore 417883
Tel: 6743 5344

Get Directions

Workshop

Kan Fook Sing Motor Workshop

61 Defu Lane 12
Singapore 539147
Tel: 6747 9560

Get Directions

Workshop

ComfortDelGro Engineering Pte Ltd

59 Loyang Drive
Singapore 508969
Tel: 9115 2616

Get Directions

Workshop

ComfortDelGro Engineering Pte Ltd

320 Ubi Road 3
Singapore 408649
Tel: 9115 2616

Get Directions

Workshop

Progressive Car Care Pte Ltd

Blk 3022A Ubi Road 1
#01-45/46 Singapore 408716
Tel: 67415336

Get Directions

Windscreen Only

Glass-Fix Pte Ltd (Mobile Windscreen Repairs & Replacement)

52 Ubi Ave 3 #04-42 Frontier E Park @ Ubi
Singapore 408867
Tel: 6278 0887

Get Directions

IDAC

IDAC Bukit Batok (VAC)

511 Bukit Batok Street 23
Singapore 659545
Tel: 6560 3312

Get Directions

IDAC

IDAC Bukit Merah Blk (NAC)

Blk 1007 Bukit Merah Lane 3
#01-11, Singapore 159721
Tel: 6898 0055

Get Directions

IDAC

IDAC Jalan Boon Lay (STA)

249, Jalan Boon Lay
Singapore 619523
Tel: 6555 6111

Get Directions

Workshop

Hitachi Capital Asia Pacific Pte Ltd

Jun Taiyo Service Centre 
No. 8 Fourth Lok Yang Road
Singapore 629705
Tel: 6466 3022

Get Directions

Workshop

Sng Ah Tee Motor & Panel Services Pte Ltd

Blk 3 Pioneer Road North #01-18
Singapore 628457
Tel: 6268 6183

Get Directions

Workshop

Wah Hong Motors & Credit Pte. Ltd

38 Toh Guan Road East #01-57 Enterprise Hub
Singapore 608581
Tel: 6515 5778

Get Directions

Workshop

ComfortDelGro Engineering Pte Ltd

45 Pandan Road
Singapore 609286
Tel: 9115 2616

Get Directions

Workshop

DPS Body & Paint Centre (Subsidiary of C&C)
Diplomats Parts Pte Ltd  


209 Pandan Gardens, 
Cycle & Carriage Autohub
Singapore 609339
Tel: 6568 4501

Get Directions

Workshop

Falcon-Air Auto Services Pte Ltd

Unit No. 8 Pandan Loop 
Blk 1 JTC Industrial Est. Blk K
Singapore 128226
Tel: 6779 5665

Get Directions

Windscreen Only

Cheng Auto Bodyworks

5 Soon Lee Street, #01-62
Pioneer Point, Singapore 627607
Tel: 6631 0707

Get Directions

Workshop

ComfortDelGro Engineering Pte Ltd

7 Sungei Kadut Way
Singapore 728791
Tel: 9115 2616

Get Directions

Workshop

Automotive Repair Centre Pte Ltd

38 Woodlands Industrial Park E1 #05-18
Singapore 757700
Tel: 6468 8834

Get Directions

Workshop

SMRT Automotive Services Pte Ltd

60 Woodlands Industrial Park E4
Singapore 757705
Tel: 6866 2628

Get Directions

Workshop

Sin Yew Hup Auto Pte Ltd

Blk D4 Woodlands Road,
393M, Yew Tee Industrial Est
Singapore 677981
Tel: 6760 0819

Get Directions

Workshop

Shu Fatt Auto Works

Blk 1009 Bukit Merah Lane 3 #01-90
Singapore 159723
Tel: 6273 0119

Get Directions

Workshop

Vantage Automotive Limited

305 Alexandra Road #02-01 
Alexandra Automotive Centre
Singapore 159942
Tel: 6272 8828

Get Directions

IDAC

IDAC Sin Ming Drive (VAC)

385 Sin Ming Drive
Singapore 575718
Tel: 6455 5358 / 5555

Get Directions

IDAC

IDAC Sin Ming Road (STA)

302 Sin Ming Road
Singapore 575627
Tel: 6555 6888

Get Directions

Workshop

Glen Enterprise Pte Ltd (Motor Cycle Only)

1100/1102 Serangoon Road
Singapore 328196
Tel: 6296 9939

Get Directions

Workshop

City Auto Pte. Ltd.

Blk 8 Sin Ming Road #01-60/62
Sin Ming Industrial Estate Singapore 575643
Tel: 64531235

Get Directions

Workshop

ComfortDelGro Engineering Pte Ltd

205 Braddell Road
Singapore 579701
Tel: 9115 2616

Get Directions

Workshop

Falcon-Air Auto Services Pte Ltd

Blk 176 Sin Ming Drive 
#01-06/07/13 Sin Ming Autocare
Singapore 575721
Tel: 6452 0880

Get Directions

Workshop

K. Kim Hin Auto Pte Ltd

160 Sin Ming Drive #02-20 
Sin Ming AutoCity
Singapore 575722
Tel: 6452 7018

Get Directions

Workshop

Lai Huat (Meng Kee) Motor Pte Ltd

160 Sin Ming Drive #04-01, #04-02 & #07-03 Sin Ming Autocity
Singapore 575722
Tel: 6453 8110

Get Directions

Workshop

Lim Tan Motor Pte Ltd

Blk 176 Sin Ming Drive 
#03-09/10 Sin Ming Autocare
Singapore 575721
Tel: 6452 0893

Get Directions

Workshop

S & H Motor Pte Ltd

160 Sin Ming Drive #07-02 
Sin Ming Autocity
Singapore 575722
Tel: 6453 4730

Get Directions

Workshop

Vin's Motor Pte Ltd

160 Sin Ming Dr
#03-03 Sin Ming Autocity
Singapore 575722
Tel: 6453 2121

Get Directions

Windscreen Only

Glass-Fix Pte Ltd (Mobile Windscreen Repairs & Replacement)

1 Bukit Batok Crescent #08-48, WCEGA Plaza
Singapore 658064
Tel: 62780887

Get Directions

Windscreen Only

Glazity Auto Pte Ltd (Mobile Windscreen Repairs & Replacement)

IBiz Centre
32 Old Toh Tuck Road #02-04
Singapore 597658
Tel: 6909 9906 / 9688 3619

Get Directions