Lodge a report to the police as required by law within 24 hours.
Notify MSIG of the accident immediately.
If your vehicle sustained accidental damaged and require to be repaired, send your vehicle to MSIG authorized panel repairer. A Claim Form can be generated at MSIG’s panel repairer office for your completion (For Comprehensive Motor Policyholder Only).
Complete and submit the Claim Form together with the documents as per the checklist attached in the Claim Form.
If the motor accident involves third party, please: i) Provide MSIG with details of the third party wherever appropriate ii) Do not negotiate, admit or repudiate any claim with the third party without MSIG's prior consent iii) Notify MSIG of police action against the driver, if any iv) Refer to MSIG if you are being approached by third party or his/her representative for compensation v) Forward all relevant documents unanswered to MSIG as soon as you have received them for our immediate attention
Own Damage Claim
Guidelines and Documents Checklist
Send your vehicle to MSIG’s panel repairer for immediate attention.
MSIG’s panel repairer will notify MSIG of accident on line, print Claim Form and acknowledgement letter for your completion.
Return the completed and signed Claim Form to MSIG together with the following documents: i) Original/certified copy of Police Report ii) Copy of Policy/Cover Note iii) Copy of Vehicle Registration Card iv) Copy of your Identity Card and Driving Licence v) Copy of your driver's Identity Card and Driving Licence (if you were not the driver at the time of accident) vi) Copy of the acknowledgement letter duly acknowledged vii) Statement from the driver, wherever possible
In the situation of Own Damage – Total Loss, the following documents are also required upon acceptance of our offer: i) Two copies of JPJ Transfer Form K3 duly signed ii) Copy of JPJK1C Form duly signed, if applicable iii) Original Certificate of Insurance iv) Original Vehicle Registration Card duly signed v) Letter of Release from hire purchase company, if applicable vi) Certified copy of your Identity Card by Commissioners for Oaths vii) JPJ "Lampiran A1" and "B" duly signed and certified by Commissioners for Oaths viii) Two sets of original car key
Knock-for-Knock (OD-KFK) Claim
OD-KFK claim involves the situation when your vehicle suffers damage after being knocked by another party who is at fault. You can then choose to claim against your own MSIG policy or against the insurer of the third party.
If you choose to claim against MSIG:
You will not lose your No-Claim-Discount (NCD).
MSIG will appoint an Adjuster to inspect your vehicle.
You are required to pay the “excess” stated in your policy but you can subsequently claim for reimbursement against the insurer of the third party.
You can also claim for “loss of use” against the insurer of the third party.
Additional Documents required in addition to Own Damage claim:
Certified copy of Police report/s of the third party driver(s).
Police Investigation Result.
Police Sketch Plan and Keys.
Negligent Third Party’s Vehicle No. and Insurance details.
A signed declaration letter from you to confirm the following:- i) that you are making a Knock-for-Knock Claim ii) that the circumstances of the accident as reported to the police and Insurer are true iii) that the accident was caused solely due to the negligence of the Third Party iv) that the driver has not been charged by the police for the said accident v) that you agree to No Claim Discount will be automatically forfeited if it is subsequently discovered that the accident was due to the Insured’s / driver’s own fault and/or negligence
If you choose to claim against the insurer of the third party:
You have to appoint your own Adjuster.
You have to pay for your repair cost first and seek reimbursement directly from the insurer of the third party.
Accident where OD-KFK Claim is not applicable:
When the third party vehicle is a bus, taxi, limousine or hire and drive vehicle.
When the insurer of the third party vehicle is an insurer out of Malaysia (e.g. Singapore).
When there is third party bodily injury involved, regardless of who is at fault.
Windscreen Damage Claim
Guidelines and Documents Required
Send your vehicle to MSIG panel repairer for immediate attention.
MSIG’s panel repairer will notify MSIG online and print Claim Form for your completion.
MSIG’s panel repairer to take photographs and to conduct replacement of the damaged windscreen.
Return the completed and signed Claim Form together with the following documents to MSIG panel repairer for their onward submission to MSIG: i) Copy of the Motor Policy showing the windscreen extended cover ii) Duly signed authorized letter for payment to be made directly to repairers iii) Pay the difference if the replacement cost of the windscreen exceeds the insured value of the windscreen cover
Guidelines and Documents Checklist
Lodge a Police Report immediately upon discovery of the loss.
Notify MSIG of the theft immediately.
Collect the Claim Form from MSIG.
Return the completed and signed Claim Form to MSIG together with the following documents: i) Certified Police Report ii) Original Certificate of Insurance iii) Copy of the Vehicle Registration Card iv) Copy of your Identity Card & Driving License v) Copy of your driver's / custodian’s Identity Card and Driving License (if the vehicle was not in your custody at time of loss) vi) Copy of your Hire Purchase Agreement (if vehicle still under Hire Purchase as time of loss)
You and your driver/custodian are required to co-operate with the Adjuster/Investigator or any personnel who may be appointed by MSIG to conduct the investigations.
In the event the vehicle is recovered, notify MSIG immediately before taking out the vehicle from the police authority for MSIG to arrange for the vehicle to be inspected by the appointed Adjuster/Investigator. It is also important that we reinstate your policy (which will be cancelled automatically upon notification of theft) following the recovery of your vehicle and before driving it.
If the vehicle has been recovered in damaged condition, the vehicle is required to be sent to MSIG panel repairer only after inspection by the appointedAdjuster/Investigator.