Docstoc

motor claims framework - General Insurance Association Of Singapore

Document Sample
motor claims framework - General Insurance Association Of Singapore Powered By Docstoc
					YOUR GUIDE TO THE
MOTOR CLAIMS
FRAMEWORK
MCF HOTLINES

ACE INSURANCE LTD               62254211 Mon To Fri (8.30am – 5.30pm)
ALLIANZ INSURANCE CO            63332222
OF SINGAPORE PTE LTD
CHARTIS SINGAPORE               63386200 (Emergency Towing)
INSURANCE PTE. LTD.             64193000 (Policy And Claims Inquiries)
                                Mon To Fri 9am - 5pm
AVIVA LTD                       63332222
AXA INSURANCE SINGAPORE         1800-8804741
PTE LTD
CHINA TAIPING INSURANCE         6389-6116 / 6111
(SINGAPORE) PTE LTD             Mon To Fri (8.45am – 5.30pm)
DIRECT ASIA INSURANCE           65321818
(SINGAPORE) PTE LTD
EQ INSURANCE COMPANY LTD        68448877
ETIQA INSURANCE BHD             64534730
FEDERAL INSURANCE COMPANY       68585151
FIRST CAPITAL INSURANCE LTD     68543466 Mon To Fri (9am – 5.45pm)
                                68448877 (After Office Hours)
HSBC INSURANCE                  63395524
(SINGAPORE) PTE LTD
INDIA INTERNATIONAL             68448877
INSURANCE PTE LTD
LIBERTY INSURANCE PTE LTD       63380990
LONPAC INSURANCE BHD            64538110, 64534730, 64532235,
                                64513933, 67556142, 64592552,
                                67479560, 98312232, 67474422 / 6106,
                                97472112, 97302017
MSIG INSURANCE                  68277660, 68448877
(SINGAPORE) PTE LTD
NIPPONKOA INSURANCE CO LTD      67476106, 97189999, 64532235,
                                90906766, 64538110, 91910047
NTUC INCOME INSURANCE           67886616, 67881122
CO-OPERATIVE LTD
OVERSEAS ASSURANCE              62276313
CORPORATION LTD
QBE INSURANCE                   62773264
(INTERNATIONAL) LTD
ROYAL & SUN ALLIANCE            63370911
INSURANCE PLC
SHC CAPITAL LTD                 68299200, 68299170
                                Mon To Fri (8.30am – 5.30pm)
SOMPO JAPAN INSURANCE           64538110 (Office Hours Only)
(SINGAPORE) PTE LTD             90906766, 90299911,
                                91910047, 67556142
TENET INSURANCE CO LTD          63330838, 64616555
                                Mon To Fri (9am – 5pm)
TOKIO MARINE INSURANCE          68448877
SINGAPORE LTD
UNITED OVERSEAS INSURANCE LTD 64909318 (Office Hours Only),
                              64538110 (For Emergency Towing
                                Only After Office Hours)
ZURICH INSURANCE COMPANY        64538686, 67479560 /
(SINGAPORE BRANCH)              67435344 / 68582126,
                                63455884, 64555884, 64513933,
                                63161131 / 1151, 63628523
The Motor Claims
Framework (MCF)
was set up to provide
clear and common
procedures for the
reporting of motor
accidents. The MCF
is fully supported
by all insurers in
Singapore. The MCF
provides motorists
with an enhanced
claims experience
and at the same time,
helps contain claims
costs for insurers.
This simple guide will
walk you through the
recommended steps you
need to take in the event
of an accident. Follow
them and you will find the
claims process a smoother
one. Should you have any
questions, feel free to call
your insurer for advice,
or visit the MCF online at
www.gia.org.sg
KEY POINTS OF THE MOTOR CLAIMS FRAMEWORK (MCF)

             IN CASE OF ACCIDENT, YOU SHOULD...
             AVOID ALL UNAUTHORISED TOW-TRUCK OPERATORS


1                                                  Take note of
                                                   the vehicle
                                                   numbers.
 Exchange particulars of
 involved parties including
 • Name,
 • NRIC / FIN,
 • Telephone
   Number,
 • Address and
 • Insurer.                                                               X Y56

 WHAT TO
 PHOTOGRAPH:




           SCENE                                  OWN VEHICLE
           Take pictures of the                   Take pictures of the damages
           accident scene capturing               to your own vehicle capturing
           the accident vehicles and              your license plate.
           surrounding areas.




2                                                                      3

                                       Call your insurer’s
                                       hotline for a tow truck
                                       or for further advice
                                       on the accident.
OR REPAIR WORKSHOPS.

                                                         THE BENEFITS OF
        Take pictures at the accident                    REPORTING...
        scene and submit all pictures at
        your authorised accident reporting               By reporting the accident
        centre during your reporting.                    within the stipulated time,
                                                         you not only enjoy hassle-
                                                         free and quality-certified
                                                         repair services as provided
                                                         under the MCF, you will also
                                                         avoid potentially higher costs
78A                            AB1234 Z    XYZ5678A

                                                         from exaggerated claims.

                                                         REMEMBER: All accidents must
                                                         be reported to your insurer
                                                         within 24 hours or by the next
                                                         working day with your accident
                                                         vehicle, no matter how trivial
                                                         or even if there is no visible
                                                         damage, and irrespective of
                                                         whether you are claiming from
                                                         any insurers or third parties.


         OTHER DAMAGED VEHICLE(S)                        SHOULD YOU FAIL TO
         Take pictures of the damages to                 REPORT THE ACCIDENT...
         all other vehicles involved in the              Should you fail to report
         accident capturing licence plates.              to your insurer with your
         For multiple vehicle collision,
                                                         accident vehicle, you may
         take pictures of those with direct
         contact, e.g, immediate front and               find yourself in a position
         immediate rear vehicles.                        of having your claims
                                                         prejudiced or declined
                                                         later by insurers. Failure to
                                                         comply with the new policy
 Report and bring your                                   condition will be seen as
 accident vehicle (whether            REPORTING CENTRE   being “in breach” of the
 damaged or not) to the
 approved reporting centre /                             policy terms and conditions,
 authorised workshop                                     i.e. there will be no liability
 within 24 hours or by                                   on the part of the insurer.
 the next working day.                                   Any non-compliance of this
                                                         Policy Condition will result
                                                         in a loss of your No Claims
                                                         Discount upon renewal of
                                                         your policy.
   FREQUENTLY ASKED QUESTIONS

1 WHAT IS THE MOTOR                    3 WILL THE MCF APPLY
   CLAIMS FRAMEWORK?                      TO ALL MOTOR POLICIES?
   The Motor Claims Framework             Yes, the MCF applies to
   (MCF) is a best practice               all policies.
   undertaken by all motor                It will be a policy condition
   insurers in Singapore, which           which all motor insurers
   provides clear and common              will enforce.
   procedures on what to do in
   an event of a motor accident.
   The MCF provides motorists          4 DO I HAVE TO INFORM MY
   with an enhanced claims                INSURER EVEN THOUGH
   experience and at the same             THERE IS NO DAMAGE TO
   time, helps contain claims             MY VEHICLE?
   costs for insurers.                    Yes, always report all
                                          accidents to your insurer
                                          no matter how minor the
2 HOW WILL MOTORISTS
                                          accident may be, even if
   BENEFIT FROM THE MCF?
                                          there is no visual damage
   Under the MCF, insurers                or even if you have made a
   will assist policyholders              private settlement with the
   in handling repairs to the             other driver.
   damaged vehicle, including
                                          This is because you cannot
   assisting policyholders to file
                                          be fully certain that the other
   claims against a Third Party,
                                          party will not file a claim
   if the policyholder is not
                                          against you later.
   primarily liable.
                                          You may find yourself in a
   Insurers will provide a
                                          position of having your claim
   comprehensive service (via
                                          prejudiced or declined later
   their approved reporting
                                          by insurers.
   centres or workshops) to
   encourage you to report your
   accident with your accident         5 WHAT HAPPENS IF I CHOOSE
   vehicle as well as have the            NOT TO REPORT THE
   repairs carried out at the             ACCIDENT TO MY INSURER?
   approved workshops.                    Failure to do so will affect
   All motorists are required to          your No Claims Discount
   do is to report to their insurers      upon renewal of your motor
   within 24 hours or the next            insurance and will prejudice
   working day and to bring               your claim.
   their accident vehicle to the
   insurers’ approved reporting
   centres or workshops.
6 WILL THE NEW MEASURES             9 IF I AM LEAVING FOR THE
  THAT INSURERS ARE                    AIRPORT TO CATCH A FLIGHT
  PROMISING ADD TO COSTS?              OR OTHERWISE ENGAGED,
  WILL THIS TRANSLATE INTO             CAN SOMEONE ELSE
  HIGHER PREMIUMS?                     REPORT THE ACCIDENT
  The driving force behind the         ON MY BEHALF?
  MCF is the enhancement of            Under special circumstances,
  customer experience with a           this would be permitted with
  comprehensive service.               supporting justification.
  At the same time, it will            Please contact your insurer
  help contain cost of claims          for advice and instructions.
  for insurers.
  Generally, premiums will          10 IF I BRING MY ACCIDENT
  not rise if the cost of claims       VEHICLE TO THE
  are contained.                       AUTHORISED REPORTING
                                       CENTRE OR WORKSHOP,
7 WHAT ABOUT PEOPLE WHO                HOW MUCH DO I HAVE TO
  WANT TO SEND THEIR CARS              PAY FOR THE INSPECTION,
  BACK TO THEIR DEALERSHIP             SURVEY AND ACCIDENT
  OR FAVOURITE MECHANIC?               E-FILING PROCESS?
  Each insurance company               There are no fees or
  offers different types of motor      charges involved in the
  insurance policies.                  reporting process.
  Certain types of policies allow
  policyholders to use any          11 ARE ALL MOTOR INSURERS
  workshop. Please check your          IN SINGAPORE PART OF
  motor insurance policy or            THE MCF?
  with your insurance company.         The MCF is an industry
                                       initiative and all motor
8 WILL EACH INSURER HAVE               insurers in Singapore
   A 24-HOUR HOTLINE TO                support the MCF.
   PROVIDE ADVICE AND
   ASSISTANCE IN VIEW OF
   THE NEW MCF?
   Yes, all insurers will have a
   24-hour hotline so that you
   can seek proper advice even
   at the scene of accident.
GENERAL INSURANCE
ASSOCIATION OF SINGAPORE
180 CECIL STREET #07-02
BANGKOK BANK BUILDING
SINGAPORE 069546
T: (65) 6221-8788
F: (65) 6227-2051
E: FEEDBACK@GIA.ORG.SG
WWW.GIA.ORG.SG
UEN: S66SS0020G

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:0
posted:2/11/2013
language:Unknown
pages:8