Claims Information
Product Type
Filing a Motor Claim
What to do in the event of a motor accident?

DO’s

The Motor Claims Framework (MCF) provides the following clear and common procedures for the reporting of motor accidents:

Three Steps to Take After a Car Accident
1
  1. Exchange Particulars of Parties Involved in the Accident and take note of the vehicle numbers.
  2. Take photos of the scene of the accident and the damages to all vehicles.
2

Call your insurer's Hotline for a Tow-Truck or further advice on the accident.

3

Report the accident to your insurer within 24 Hours or by the next working day.

If you do not report an accident,
  • Your insurer may repudiate liability;
  • Your No-Claims Discount may be docked upon the renewal of your policy; and
  • Your insurer may cancel or refuse to renew your policy.
If there are injured parties in an accident, call for medical assistance and the police immediately.

Make a Traffic Police report as soon as possible or within 24 hours of the accident if the accident involves:

  • Fatality;
  • Damage to government property;
  • Foreign vehicle;
  • Pedestrian or cyclist;
  • Hit-and-run case; or
  • Injury cases where
  1. at least one person involved in the accident was taken to hospital from the accident scene by an ambulance/ self-conveyed; or
  2. any party involved in the accident was injured and obtained outpatient medical leave for 3 days or more.
Filing a Traffic Police report is not equivalent to making a report to your insurer. Please note that after filing a Traffic Police report, you are also required to report to your insurer within 24 working hours or by the next working day.
If you do not report an accident,
  • Your insurer may repudiate liability;
  • Your No-Claims Discount may be docked upon the renewal of your policy; and
  • Your insurer may cancel or refuse to renew your policy.

DON’TS

  • Do not move your vehicle before taking photographs of the accident scene.
  • If someone is injured or there has been a fatal accident, please do not attempt to move the injured person or vehicle(s).
  • Under the MCF, motorists are strongly advised not to have any dealings with unauthorised tow-truck operators at the scene of accident.

Should you need any further assistance, please feel free to call us.