No-Fault Own Damage Claims

Applies to No-Fault Own Damage Claims (Car)

1. Report the accident to the police within 24 hours as required by law.

2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 3833 for assistance.

3. Within 14 days of the accident, submit the claim form and supporting documents to either an approved repairer or one of our branches.

      Note: You can get the claim form by calling us at 1 800 88 3833.

4. You can check the status of your claim online (click here) or call us at 1 800 88 3833 for assistance.

  

Applies to No-Fault Own Damage Claims (Motorcycle)

1. Report the accident to the police within 24 hours as required by law.

2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 3833 for assistance.

3. Within 14 days of the accident, register your claim online (click here) or call us at 1 800 88 3833 for assistance.

      Note: For online claims, please refer to this user guide. 

      Note: Please provide your mobile phone number during claims registration to receive alerts on the status of your claim.

4. You can also register the claim by submitting the claim form and supporting documents to either your preferred approved repairer or one of our branches, within 14 days of the accident. 

      Note: You can get the claim form by calling us at 1 800 88 3833.

5. You can check the status of your claim online (click here) or call us at 1 800 88 3833 for assistance.

  

Note - Read and understand the "Claims Guide For Motor Accidents" by Bank Negara Malaysia. Click on your preferred language (English | BM | Chinese).

Supporting Documents

1. Claim form (not required for online claims registration)

Note: You can get the claim form by calling us at 1 800 88 3833.

2. Police report (original copy)
3. Updated vehicle's registration card / vehicle ownership certificate (VOC)
4. Identity card & driving licence of vehicle owner
5. Identity card & driving licence of driver (if not the vehicle owner)
6. Insurance policy / cover note / certificate of insurance (copy)
7. Vehicle permit (for commercial vehicles)
8. Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
9. Business registration (copy) - applicable to company-registered vehicles
10. Third party's police report
11. Police investigation outcome/findings
12. Police sketch plan & keys (if any)
13. Signed declaration letter (for No-Fault Accident)
14. Third party cover note/confirmation of valid Third Party insurance coverage

1. What are the documents I should submit for a No-Fault Own Damage (ODN) claim?

Please refer to the document checklist above.

2. What are the conditions for an ODN claim?

You are not at fault for causing the accident. Such determination of fault shall be at Our entire discretion.

ODN can be made provided always that: 

• Third Party vehicle is insured and identifiable
• NOT a vehicle used for carriage of passengers for hire or rewards (e.g. taxies, public buses etc.)
• NOT a vehicle insured by non-Malaysian insurers
• NO personal injury claim involved

3. What is a Knock for Knock (KFK) claim?

This is a claim made by you against a third party insurer for the cost of repairs in the event of an accident that happens in accordance with a KFK agreement.

4. I was involved in a chain collision with four cars. Who should I claim damages from?

Based on Bank Negara guidelines effective from 3rd January 2000, for chain collisions involving three or more vehicles, the vehicle behind will be responsible for the damage to the vehicle immediately in front. So Car 4 pays for Car 3, Car 3 for Car 2, and so on.

If the collision of your vehicle and the vehicle immediately in front is caused by the impact of the vehicle behind you, then the third party claim against you by the vehicle in front will not affect your No Claim Discount (NCD). This is not applicable if the collision involves:

• Parked vehicles
• Situations where the front vehicle makes a U-turn
• Vehicles not travelling in the same direction; or
• Foreign registered vehicles

5. What is No-Fault Own Damage (ODN) claim and the advantages to policyholders?

You can make a No-Fault Own Damage claim for damages to your vehicle IF THE ACCIDENT IS NOT YOUR FAULT against your insurer instead of to the insurer of the other party's vehicle. In this case, your NCD will not be forfeited. You will also enjoy faster claims settlement by dealing directly with your insurer.

6. What is the difference between Knock-for-Knock (KFK) and No-Fault Own Damage (ODN) claims?

KFK is a claim made by you against a third party insurer for the cost of repairs, while ODN allows you to claim cost of repairs from your own comprehensive policy without affecting your NCD.

7. Can I make an ODN claim if my car was knocked by an unknown vehicle while being parked in a car park?

No, because you don't know the insurer of the third party vehicle nor its registration number.

8. Can I make an ODN claim if the other party is driving a taxi, hire cars, public buses, stages buses, school buses and factory buses for hire?

No, these vehicles are not covered within the scope for ODN claims.

9. Will my NCD entitlement drop to zero with a single claim?

If you or anybody else meets with an incident that will give rise to a claim on this policy, the NCD entitlement that you have accumulated will drop to zero at the next renewal and your NCD will start all over again. If a claim is received after the NCD has been applied, we shall be entitled to recover the NCD given to you.

Exception to this Rule:

Your NCD will not be affected even if a claim is made if:

• We are of the opinion that you are not at fault for causing the loss;
• The offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire);
• The offending vehicle is insured by a Malaysian licensed insurer; and
• There is no death or personal injury claim involved.