Car Insurance Guide
How to Claim Car Insurance in Malaysia
A complete step-by-step guide to making a car insurance claim. Know what to do after an accident and get your claim approved faster.
Emergency
999
Police
999
Ambulance
999
Fire
994
Step-by-Step Claims Process
Ensure Safety First
Check for injuries and move to safety. Call emergency services (999) if anyone is hurt.
- Don't leave the scene until it's appropriate
- Turn on hazard lights
- Set up warning triangle if available
Document the Accident
Collect all necessary evidence and information at the scene.
- Take photos of all vehicles involved and damage
- Photograph the accident scene from multiple angles
- Get the other driver's details (name, IC, license, insurance)
- Note down time, date, and location
- Get contact details of any witnesses
Make a Police Report
Lodge a police report within 24 hours of the accident.
- Go to the nearest police station
- Bring your IC, driving license, and vehicle documents
- Get a copy of the police report (you may need to return for it)
- The report is mandatory for insurance claims
Notify Your Insurance Company
Contact your insurer as soon as possible to start the claim process.
- Call their 24-hour hotline
- Provide your policy number and accident details
- Ask about the claims process and required documents
- Note down the claim reference number
Send Your Car for Repair
Take your car to an authorized panel workshop or your preferred workshop.
- Panel workshops offer cashless claims (easier process)
- Non-panel workshops may require upfront payment and reimbursement
- Get a repair estimate before authorizing work
- The workshop will liaise with the insurer for approval
Submit Claim Documents
Provide all required documents to complete your claim.
- Police report
- Claim form (signed)
- Copy of IC and driving license
- Copy of insurance policy
- Photos of the accident and damage
- Repair invoice/quotation
Wait for Approval & Repairs
Your insurer will process the claim and authorize repairs.
- Panel workshop claims are usually approved within 1-3 days
- Complex claims may take longer
- You may need to pay excess before repairs begin
- Collect your car once repairs are complete
Documents Checklist
Required Documents
- Police report
- Insurance claim form
- Copy of IC (front & back)
- Copy of driving license
- Copy of insurance policy/cover note
- Copy of vehicle registration (VOC)
Photos to Take
- Overall accident scene
- All vehicles involved
- Close-up of damage
- License plates of all vehicles
- Road conditions/signs
- Other driver's IC and license
Types of Claims
Own Damage Claim
Claim for damage to your own vehicle, regardless of who's at fault.
- • Available for comprehensive policies
- • Excess payment required
- • May affect your NCD
Third Party Claim
Claim against the other driver's insurance when they're at fault.
- • Requires proof the other party is at fault
- • No excess payment needed
- • Your NCD is not affected
Windscreen Claim
Claim for windscreen repair or replacement due to cracks or chips.
- • Requires windscreen coverage add-on
- • Usually doesn't affect NCD
- • May have a coverage limit
Theft Claim
Claim if your vehicle is stolen (comprehensive policies only).
- • Police report mandatory
- • Investigation may take time
- • Payout based on market value
Tips for Faster Claim Approval
Use Panel Workshops
Panel workshops have direct communication with insurers, speeding up the approval process.
Report Quickly
Notify your insurer within 24-48 hours. Delayed reporting can complicate claims.
Document Everything
Take comprehensive photos and notes. The more evidence, the smoother the process.
Keep All Receipts
Save receipts for towing, temporary transport, and any related expenses.
Be Honest
Provide accurate information. False claims can void your policy and lead to legal issues.
Follow Up Regularly
Stay in contact with your insurer or workshop to track the progress of your claim.
Claims FAQ
You should make a police report within 24 hours of the accident. This is a legal requirement under Malaysian law for accidents involving injuries or significant damage. For minor accidents, some police stations may still accept reports within 48 hours, but it's best to report immediately.
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