Motor Insurance Claims

Comprehensive Cover​

HOW TO CLAIM FROM OWN INSURANCE COMPANY

1. WHAT TO CLAIM

a) If the accident was your fault, make an ‘Own Damage’ claim
b) If the accident was NOT your fault, make an ‘Own Damage Knock- for-Knock’ claim (instead of making a third party claim)

BENEFITS OF MAKING ‘OWN DAMAGE KNOCK-FOR-KNOCK’ CLAIM:

  • Faster claims processing
  • You will not lose your No Claim Discount (NCD) entitlement
  • You can claim excess? and CART** from the other party’s insurance company
2. ​HOW TO CLAIM

Submit to your insurance company:

  • Completed claim form
  • Original copy of police report
  • Copy of driver’s and policyholder’s identity card and driving license
  • Copy of vehicle ownership certificate
  • Photos of accident scene and damages to vehicle
  • Police letter informing which party is compounded for road traffic offence

Third Party Cover

HOW TO MAKE A THIRD PARTY PROPERTY DAMAGE CLAIM​​​

1. WHAT TO CLAIM​

a) Damage to your car or property in a road accident caused by the other party
b) Other financial losses e.g. CART**, excess

2. HOW TO CLAIM​
  • Send your car to the insurance company’s panel workshop
  • Appoint an adjuster to evaluate the cost of your car’s damage

Submit to your insurance company:

  • Original copy of police report
  • Copy of driver’s and policyholder’s identity card and driving license
  • Copy of vehicle ownership certificate
  • Adjuster’s report
  • Bill of repair costs of your car
  • Photos of accident scene and damages to vehicle
  • Police letter informing which party is compounded for road traffic offence

Tips

HOW TO AVOID POSSIBLE REJECTION OF CLAIMS​
  • Notify your insurance company within 7 days of the accident
  • Ensure complete documentation
  • Ensure private car is not used for hire or to carry goods for business purpose

Important Terms

COMPENSATION FOR ASSESSED REPAIR TIME (CART)**

The amount payable by the other party’s insurance company for number of days it takes to repair your car as assessed by the adjuster (not the number of days your car is in the workshop)

CART = (Rate as per taxi fare receipt or car rental agreement or fixed scale of CART)  X (Number of days to repair the car)

Remember to keep the original receipts for taxi fare or car rental to claim for CART

EXCESS*
The amount you have to pay whether the accident is your fault or otherwise. The insurance company pays the remaining claim balance
BETTERMENT
Applies to car age 5 years or more:
  • When an old part is replaced with a new original part
  • You bear partial cost of the new original part (depending on your car’s age) as your car will be in a better condition than before the accident