Claims Guide · Malaysia 2026
How to Claim Car Insurance in Malaysia
Step-by-step: what to do at the scene, police report, workshop, timeline & what insurers won't cover
Key Reminder
Always file a police report within 24 hours
Without a police report, your claim will be rejected. Even for minor accidents, file a report. Bring your IC, driving licence, and vehicle details to the nearest police station — or use the e-Report system at myIPD.rmp.gov.my.
Step-by-Step: How to Claim Car Insurance After an Accident
Ensure safety first
Move your car to the roadside if safe. Turn on hazard lights. Check for injuries — call ambulance (999) if needed.
Exchange details with the other party
Get: full name, IC number, phone number, car plate number, insurer name & policy number. Take photos of their IC and driving licence.
Photograph the scene
Take photos of: all vehicle damage (360°), accident scene and road conditions, skid marks, traffic signs/lights. More is better.
File a police report within 24 hours
Go to the nearest police station. Bring: IC, driving licence, car registration card, insurance policy. Ask for a copy of the report for your records.
Contact your insurer's claims hotline
Call your insurer within 24–48 hours of the accident. They will assign a claim number and guide you on next steps.
Bring car to an approved panel workshop
Use your insurer's approved workshop list. If you use a non-panel workshop, you may need to pay upfront and claim reimbursement — which takes longer.
Submit claim documents
Submit: completed claim form, police report, IC copy, driving licence copy, vehicle registration card, policy schedule, photos of damage.
Wait for assessment and approval
An insurance adjuster will assess damage. Minor claims: 7–14 days. Major claims: 14–30 days. You'll be notified once approved.
Types of Car Insurance Claims in Malaysia
Own Damage (OD)
Claim for damage to your own car — regardless of fault. Requires comprehensive policy.
Required docs:
- • Police report
- • Claim form
- • IC, licence, policy
Timeline: 7–14 days
Third Party (TP)
Claim against the other driver's insurer for damage to your car caused by them.
Required docs:
- • Police report
- • Other party's insurer details
- • Demand letter
Timeline: 14–30 days
Windscreen
Claim for windscreen repair or replacement. May not affect NCD — check with insurer.
Required docs:
- • Receipt/quotation
- • Policy number
Timeline: 3–7 days
What Car Insurance Does NOT Cover
Claim Timeline by Insurer
| Insurer | Minor Claim | Claims Channel | Rating |
|---|---|---|---|
| Allianz | 7–10 days | App, online, hotline | ⭐⭐⭐⭐⭐ |
| Etiqa | 7–14 days | App, online, hotline | ⭐⭐⭐⭐⭐ |
| Zurich | 7–14 days | Online, hotline | ⭐⭐⭐⭐ |
| AXA Affin | 7–14 days | Online, hotline | ⭐⭐⭐⭐ |
| MSIG | 10–14 days | Hotline, in-person | ⭐⭐⭐⭐ |
| Tokio Marine | 10–21 days | Hotline, in-person | ⭐⭐⭐ |
*Estimates based on general market experience. Actual timelines vary by claim complexity.
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Frequently Asked Questions
How do I claim car insurance in Malaysia after an accident?
Steps to claim car insurance in Malaysia: (1) Ensure safety — move to roadside if safe. (2) Call police (999) and file report within 24 hours. (3) Exchange details with the other party (name, IC, plate, insurer). (4) Take photos of damage and scene. (5) Contact your insurer's claims hotline. (6) Bring car to an approved panel workshop. (7) Submit claim form + police report + documents. Timeline: minor claims 7–14 days, major claims 30–90 days.
Do I need a police report to claim car insurance in Malaysia?
Yes — a police report is mandatory for all car insurance claims in Malaysia, including own-damage, third party, and theft claims. File the report within 24 hours of the incident at the nearest police station. Without a police report, your claim will be rejected. Exception: some windscreen claims may not require a police report — check with your insurer.
What documents are needed for a car insurance claim in Malaysia?
Documents required for Malaysia car insurance claim: (1) Police report (original or certified copy). (2) Filled-in claim form from insurer. (3) Copy of MyKad/IC. (4) Copy of driving licence. (5) Copy of insurance policy/cover note. (6) Vehicle registration card (geran). (7) Photos of damage. For third party claims: also provide the other party's details and police report.
How long does a car insurance claim take in Malaysia?
Malaysia car insurance claim timeline: Minor own-damage claims at panel workshop: 7–14 working days. Major damage requiring adjuster assessment: 14–30 working days. Disputed liability or complex claims: 30–90 days. Theft claims: 30–60 days (police investigation required). Total loss claims: 30–90 days (depends on salvage valuation).
Will my NCD be affected if I make a claim?
Yes — making an at-fault car insurance claim typically resets your NCD to 0% at renewal. If your current NCD is 55% and your base premium is RM1,000, you could pay RM550 more per year after a claim. For minor damage below RM800, paying out-of-pocket is often cheaper than losing NCD.
