YOUR GUIDE TO THE
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
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,
MSIG INSURANCE 68277660, 68448877
(SINGAPORE) PTE LTD
NIPPONKOA INSURANCE CO LTD 67476106, 97189999, 64532235,
90906766, 64538110, 91910047
NTUC INCOME INSURANCE 67886616, 67881122
OVERSEAS ASSURANCE 62276313
QBE INSURANCE 62773264
ROYAL & SUN ALLIANCE 63370911
SHC CAPITAL LTD 68299200, 68299170
Mon To Fri (8.30am – 5.30pm)
SOMPO JAPAN INSURANCE 64538110 (Office Hours Only)
(SINGAPORE) PTE LTD 90906766, 90299911,
TENET INSURANCE CO LTD 63330838, 64616555
Mon To Fri (9am – 5pm)
TOKIO MARINE INSURANCE 68448877
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
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
with an enhanced
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
KEY POINTS OF THE MOTOR CLAIMS FRAMEWORK (MCF)
IN CASE OF ACCIDENT, YOU SHOULD...
AVOID ALL UNAUTHORISED TOW-TRUCK OPERATORS
1 Take note of
Exchange particulars of
involved parties including
• NRIC / FIN,
• Address and
• Insurer. X Y56
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.
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
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.
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
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.
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.
ASSOCIATION OF SINGAPORE
180 CECIL STREET #07-02
BANGKOK BANK BUILDING
T: (65) 6221-8788
F: (65) 6227-2051