Motor Claims
- 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.
What to do
if you claim
against MSIG
01
No impact on NCD
You will not lose your No-Claim-Discount (NCD).
02
Get your vehicle inspected
MSIG will appoint an Adjuster to inspect your vehicle.
03
Pay for "loss of use"
We will pay you the 'Loss of Use' after the approval on cost of repair of your vehicle.
04
Submit claim form and additional documents
You are required to submit documents in addition to the standard documents required for an Own Damage Claim.
View required documents for Own Damage
View additional documents for OD-KFK
03
Situations 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.
What to do
if you claim
against the
third party's insurer
01
Appoint your own adjuster
You must engage your own Adjuster to assess your vehicle's damage.
02
Pay first, then get reimbursed
You have to pay for your repair cost first and seek reimbursement directly from the insurer of the third party.
03
Situations 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.
What you need
(Only if you claim against MSIG)
Make sure you have everything when you submit the claim form.
View downloads
-
Standard required documents for 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
- that you are making a Knock-for-Knock Claim
- that the circumstances of the accident as reported to the police and Insurer are true
- that the accident was caused solely due to the negligence of the Third Party
- that the driver has not been charged by the police for the said accident
- 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
Frequently asked questions
You can submit your claim notification:
- Click here for all MSIG Online products; or
- by providing us with written notice together with the completed claim form and all relevant documents either by mail, email or walk in to our office as soon as possible.
Please click on the respective claims tabs above for instructions on submitting a claim via - written notice.
If you have any clarification or need assistance, please contact MSIG Customer Service Hotline or any MSIG Branch.
Once a claim has been made, you’ll receive an email acknowledgement. The email lists all the necessary documents needed to support the claim and other details.
Depends on the type of claim, the turnaround time for example, death/theft claim will be longer than a smaller type of claim. Be assured MSIG is committed to fair and prompt settlement of claims.
If no nominee was elected, we'll pay the policy moneys to your lawful executor (the person you named as such in your Will) or administrator (if you don't have a Will, this is the person who has been granted administration of your estate by the Court).
If there is no lawful executor or administrator, we will follow Section 6 of the Distribution Act 1958 and pay the policy moneys to your spouse, child or parent.
It can get pretty complicated, which is why we always recommend you to elect a nominee.
If your policy moneys is not more than RM100,000, we may pay it (without a need for grant of probate, letters of administration or distribution order) to a person that we deem entitled to the policy moneys under your Will (if any) or under any law relating to the disposition of property. A person can also be deemed entitled if he/she is named as an executor in your Will, or has the consent of all your lawful beneficiaries to be administrator to your estate.
If the policy moneys is more than RM100, 000, we may then firstly pay RM100, 000 to the person referred above and the balance of the policy moneys to your lawful executor or administrator.
Confused? Take the stress away and elect a nominee instead.