Benefits          How to Make a Claim         Terms and Conditions

Make A Claim

Follow the steps as below according to Types of Car Insurance Claims.

  1. Notify us immediately after an accident. All accidents must be notified to us regardless of whether you intend to make a claim or otherwise.
  2. Only send your insured vehicle to our approved panel workshops.
  3. Ensure the following documents are provided to us: 
    • Duly completed claim form
    • A copy of: 
      • Driving license and identity card of driver who was involved in the road accident
      • Driving license and identity card of Insured
      • Updated insured’s vehicle registration card (both sides);
      • Police report (original or police certified true copy) 
      • For Commercial Vehicle:
        i. Company Form 24 & 49
        ii. Driver's Good Driving License 
      • To be presented to the workshop (if any):
        i. Daily Cash Allowance Policy
        ii. Waiver of Betterment
        iii. Option of spray painting of whole car
  4. If pursuing Knock-For-Knock (“KFK”) Claim on your policy, kindly provide us the following: 
    • All documents mentioned in item 3 above;
    • Third party vehicle insurance information (by way of Jabatan Pengangkutan Jalan/ Road Transport Department) search;
    • Duly completed KFK declaration letter that you are making a KFK Claim for damage to your vehicle on your policy;
    • Police investigation result. 
    • Police Sketch Plan & Keys

Accident Guard Coverage

- If you have purchased this additional coverage, we only need to know the check-in and check-out dates for repair works carried out at our panel workshop to process your claim following benefits arising out of an own damage claim due to accident: 

  • Daily cash allowance;
  • Waiver of betterment cost;
  • Option of spray painting of whole car.

Note : Daily Cash Allowance is paid to you whilst Waiver of Betterment Cost and Spray Painting of Whole Car are stated in our offer letter for the own damage claim due to accident.

For windscreen claims, please provide the following: 

  • Duly completed claim form;
  • Photographs of damaged windscreen before repair (Vehicle registration number must be visible);
  • Photographs of the replaced windscreen (Vehicle registration number must be visible);
  • Updated copy of insured vehicle's registration card; and
  • Original repair receipt. 
  • Photographs of Engine & Chassis Number
  • Photographs of Speedo Meter Reading 

    * All photographs will need to be time & date stamped

Theft claim is normally settled within 3 months at average from the date of notification and upon completion of our investigations.

The following documents are required to process a theft claim:

  • Duly completed claim form;
  • A copy of driving license and identity card of Insured
  • Release letter (“E-Hakmilik”) or latest outstanding loan statement from the financial institution/bank which finances the purchase of your insured vehicle;
  • Original Certificate of Insurance and Insurance Policy
  • Memorandum & Articles of Association, Form 9, Form 13 (if applicable), Form 24, Form 44 and Form 49 duly certified as true copies by the company secretary (for company vehicle only);
  • All of the vehicle's keys;
  • A copy of Approved Permit & Custom Declaration Form (only for imported vehicle);
  • Original vehicle registration card duly signed by owner; and
  • Police investigation result.
  1. Notify the other driver and/or owner who were involved in the road accident with your insured vehicle in writing about your intention to make insurance claim against him. In addition, state that you hold him responsible, and ask him to notify his insurer;
  2. Appoint a licensed adjuster to inspect your insured vehicle and thereafter provide you with their loss assessment/report; and
  3. If you do not have the other driver's contact information, you may conduct a search at Jabatan Pengangkutan Jalan / Road Transport Department based on the vehicle’s registration number to identify the insurer of the Third Party vehicle (“TP Insurer”).
  4. Submit the following documents to TP Insurer to facilitate your claim: 
    • Police report;
    • Police sketch plan and key;
    • Police investigation report;
    • Adjuster's report together with photographs of damaged insured vehicle;
    • Original bill and receipt issued by the adjuster for their services;
    • Copy of your own vehicle insurance policy; and
    • Copy of your identity card, driving license and vehicle registration card.

In the event you are involved in a road accident causing personal injury or death to any individuals including passengers in your insured vehicle at the time of accident, please ensure you follow the following guidelines:

  • Accident must be reported to the police within 24 hours after the road accident;
  • Notify us of the accident immediately;
  • Do not admit liability to anyone;
  • Do not enter into any negotiations without our prior consent;
  • Should you receive any letter and /or summons from the third party's solicitors, please inform us immediately;
  • You may speak to your insurance broker or our authorised agent to seek clarification.


For further inquiries, please call us at 
1 800 88 8811 or email us at


  underwritten by AIG Malaysia Insurance Berhad (795492-W)