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Car Insurance Claim: Important Tips To Help You

Once you have chosen the best car insurance policy, you pay your premium every month in the hope that you will never need to make a claim.  But accidents can happen, even to responsible and safe drivers.

In the event of an accident it is reassuring to know that we are just a phone call away. Our staff is based in Singapore so you won’t be transferred to a faceless call centre in another country. It is also important to know the steps to make your car insurance claim go smoothly.

Car Insurance claims tips

Here are some useful tips:

1. Buy The Best

It makes better financial sense to take out Comprehensive Cover for any car that you couldn’t afford to repair or replace were it to be damaged or written off. Especially when you consider that with DirectAsia.com you don’t get charged agency fees and you can save up to 15% on commission by buying online. You may need to re-read your policy so that you know your coverage before you initiate a claims procedure.

2. Information First

Make sure that you take all the particulars of everyone involved in the accident, including any witnesses. You will need vehicle registration numbers and personal details including phone and NRIC/FIN numbers. Remember to make a note of the insurance details of the other parties and, if possible, photograph or video the damage caused and take some wider pictures of the accident scene.

3. Call It In

Report the accident to your insurance company as soon as you are safe and able to. It is better to give your account of what happened while it is still fresh in your mind. You are required by the General Insurance Association of Singapore to report an accident to your insurer within 24 hours (or the next working day) even if you are not claiming on your own insurance or when there is no damage. If not, your No Claim Discount (NCD) will be affected.

4. Keep Good Records

It is important to file any medical or police reports, forms, correspondence and repair estimates pertinent to your claim. This will ensure that you have all the details you need on hand as and when you need them.

5. Make It Simple

Our highly trained staff will guide you smoothly through the claim process. You will be assigned a claim consultant who will see your claim through from start to finish. No more frustrations with being passed from person to person. You talk directly to us and we will take care of the rest including liaising with the repair workshop. Once your car has been repaired we can deliver it back to you, at no extra cost. If your windscreen or car windows need repairing or replacement, we can come to fix it, at your convenience.

In the event of a car accident, the last thing you want is a difficult, long-drawn-out claims procedure, that is why at DirectAsia.com we make it our business to take the hassle out of making a claim.

Over to you. What good advice can you pass on to someone about to make a claim?