A motorcycle insurance claim is a request you make to your insurer for compensation after something unexpected happens to your vehicle. This could be due to an accident, theft, vandalism, or other forms of damage covered under your policy.
Filing a motor insurance claim correctly and promptly is very important. Delays or mistakes can lead to longer processing times or even claim rejection. Knowing what to do helps protect your rights and ensures smoother claim handling.
Common situations where you may need to file a motor insurance claim include:
This guide walks you through the process step by step, so you know what to expect and how to act with confidence.
An own damage claim is made when your vehicle is damaged, and you claim against your own insurance policy. This usually applies when:
Own damage claims may affect your No Claim Discount (NCD), depending on your policy.
A third-party claim is made when another driver is at fault. In this case, you claim against the other driver’s insurer instead of your own.
This type of motor insurance claim usually requires:
If successful, your NCD is usually not affected.
Some policies allow separate claims for windscreen damage. These claims:
Always check your policy to understand what is covered.
What you do right after an accident can affect your motor insurance claim later.
Here are the key steps to take:
Early reporting helps your insurer guide you on the next steps and protects your claim rights.
This is the core process of making a motor insurance claim in Singapore. Each step matters, so follow them carefully.
Inform your insurer as soon as possible after the accident. Provide basic details such as the date, time, location, and what happened. Your insurer will advise whether your situation qualifies for a claim and explain the next steps.
Early contact also helps prevent misunderstandings or missed requirements.
A police report is required in certain situations, such as:
The police report supports your motor insurance claim by providing an official record of the incident.
Your insurer will usually ask you to send your vehicle to an approved workshop for inspection. This allows them to:
Using a non-approved workshop without informing your insurer may affect your claim.
You will need to submit supporting documents to complete your motor insurance claim. This usually includes:
Submitting clear and complete documents helps speed up claim processing.
Once documents are submitted, the insurer will assess the claim. They will review:
If everything is in order, the claim will move towards approval.
After approval, repairs can proceed. Payment may be made directly to the workshop or reimbursed to you, depending on the arrangement.
Settlement timelines vary, but insurers aim to complete the process as efficiently as possible once all requirements are met.
Preparing documents early helps avoid delays. Common documents include:
Keep copies of everything you submit for reference.
Avoiding these common mistakes can help your claim move smoothly:
The time needed for a motor insurance claim depends on the case.
Factors affecting processing time include:
If your claim is delayed, contact your insurer for an update and clarification.
You can usually check your claim status by:
Always keep your claim reference number. This helps insurers locate your case quickly and provide accurate updates.
A No Claim Discount (NCD) rewards drivers who do not make claims by reducing premiums.
To retain your NCD:
Filing a motor insurance claim does not have to be stressful. Knowing the steps, preparing the right documents, and acting promptly can make a big difference.
By understanding your policy and following proper procedures, you protect your rights and reduce delays. Being prepared ensures that if an accident happens, you can file your claim the right way and move forward with confidence.
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