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Own Damage Claims / Beyond Economical Repair / Vehicle Comprehensive Benefits Claims

Overview

Own Damage Claim

A claim towards loss or damages sustained by your vehicle in an accident on your own policy with comprehensive coverage.

Your NCD (No Claim Discount) is forfeited when you make this claim.

Only cover damages to your vehicle specified in the policy, excluding compensations such as compensation of assessed repair time (CART) unless you have extension coverage on CART.

  

Who can make an Own Damage Claim?

Only valid for comprehensive motor insurance policyholders.


Vehicle Comprehensive Benefit Claims

Vehicle comprehensive benefit claims shall not affect your NCD entitlement and no Excess will apply.

Please check whether your purchased policy includes these vehicle comprehensive benefits before submitting a claim.

  

Flood Relief Allowance (Non-Tariff)

You can claim for damage to your car due to flood, flash flood, overflowing of waterways, drains or rivers or mudslides.

The cover is limited to 1 occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

  

Key Care Cover (Non-Tariff)

You can claim for the loss or damage to your car key(s) due to actual or attempted theft, robbery or house break-in, subject to a police report being lodged within 24 hours of occurrence of the incident. The repair work or replacement of the key(s) needs to be carried out or purchased from our approved repairer.

The cover is limited to 1 set of key(s) claimable up to 1 occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

We shall have the discretion to determine whether to replace, repair, or pay an amount based on your policy type for 1 set of key(s) as we deem appropriate.

This benefit does not cover:

  • Loss or damage caused by theft or attempted theft if the key(s) (or keyless entry system) to your car is left unsecured or unattended, or is left in or on your car whilst it is unattended;
  • Loss or damage due to mysterious disappearance or unexplained losses where it cannot be prove that theft or attempted theft, robbery or house break-in occurred; or
  • Any claim for additional or duplicate keys.

  

Window Snatch Theft (Non-Tariff)

We will pay you compensation of up to the amount based on your policy type in the event that the windscreen or window(s) of your car is/are broken by an unknown person with the intent to steal which results in the loss of possessions placed in your car subject to the following conditions:

  • The incident occurred whilst you or your authorised driver was driving your car on the road;
  • A police report is lodged at the nearest police station where the incident took place within 24 hours after the incident occurred; and
  • To our satisfaction, you or your authorised driver has taken all reasonable steps to limit and prevent further loss and damage.

For avoidance of doubt, we will not pay compensation for loss or losses due to any wilful act or negligence.

The cover is limited to 1 occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

  

Ambulance Fees (Non-Tariff)

We will pay you up to the amount based on your policy type for ambulance fees incurred for the transportation of you or your authorised driver to and/or from the hospital following an accidental bodily injury.

Subject to the following conditions:

  • The reimbursement is applicable only for ambulance fees incurred by you or your authorised driver who is driving your car during the time of incident;
  • The ambulance ride to and/or from the hospital must be within Malaysia only; and
  • The incident that happens causes damage to your car on the road.

If at the time of any claim arising under this benefit, there shall be any other insurances covering the same risk or any part thereof, we shall only be liable for the balance of the expenses incurred up to the amount based on your policy type coverage if the insured person has been reimbursed under other insurance policies.

Applies to Own Damage Claims (Car)

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

2. Send your vehicle to our approved repairer. Find a 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 our 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 Own Damage Claims (Motorcycle)

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

2. Send your vehicle to our approved repairer. Find a 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 workshop 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.

  

Applies to Vehicle Benefits Claims

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

2. Send your vehicle to our approved repairer. Find a 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 workshop 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 for All Types of Claims

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

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

  1. Police report (original copy)
  2. Updated vehicle's registration card / vehicle ownership certificate (VOC)
  3. Identity card & driving licence of vehicle owner
  4. Identity card & driving licence of driver (if not the vehicle owner)
  5. Insurance policy / cover note / certificate of insurance (copy)
  6. Hire purchase agreement (copy) – applicable upon the acceptance of Beyond Economical Repair offer
  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. Giro payment form (download here)

Additional Documents for Vehicle Comprehensive Benefit Claims Only

  1. Copy of repair invoice / official receipt from our approved repairer (applicable for Flood Relief Allowance / Key Care Cover)
  2. Photograph before and after cleaning works and/or any additional document for verification (applicable for Flood Relief Allowance)
  3. Original invoice for ambulance fees incurred (applicable for Ambulance Fees)

Additional Documents for Window Snatch Theft Claims Only

  1. List down the possessions that were stolen in the police report.
  2. Photos of the vehicle that was broken into.

1. When to notify the insurer in the event of a claim?

You need to notify us as soon as possible or within a reasonable time in order to have your claim indemnified.

The reasonable time for notification will be:

  • Within 7 days of the date of accident if you are not physically disabled or hospitalised following the event.
  • Within 30 days or as soon as reasonable if you are physically disabled or hospitalised as a result of the event.

2. Where can I send my vehicle for repair?

You must send your vehicle to our approved repairer. You can either use ‘Panel Workshop Locator’ to search for a workshop or contact Kurnia Call Centre at 1 800 88 3833 for assistance.

3. What is the duration to repair my vehicle?

The repair time will depend on the extent of damages sustained by your vehicle. If you need further information, you may opt to call us or the repairer directly.

4. What should I do if I am unhappy with the repairs of my vehicle?

There will be a repair warranty period of 6 months from the date of delivery of the vehicle for you to lodge any complaint as to the repair work carried out by the panel repairer and if so required by you to rectify the same at the cost and expenses of the panel repairer.

Please take note that the damage highlighted for rectification must be consistent with the reported accident.

5. If I am surrounded by several tow truck operators at an accident scene, which should I choose? Where should I tow my car?

You should choose any tow truck operator affiliated only to Kurnia Panel Workshops. For your peace of mind, call us at 1 800 88 3833 and we will dispatch a tow truck from the nearest Panel Workshop. Your car will be towed to the nearest Police Station first to make a police report where photos of your vehicle will be taken. Your vehicle will then be towed to the workshop for repairs.

6. My car sustained minor damages in an accident but can still be driven. Can I repair the car on my own and claim for the repairs?

Yes, you can, by using the Kurnia Express claim settlement service. Click here to read more about Kurnia Express.

7. What happens after I have submitted the claim form and all the supporting documents for my Own Damage claim?

First, our claims department will assign an adjuster or loss surveyor to assess damage to your vehicle in order to prepare the adjuster report. Your claim will then be processed if everything is in order. Once the claim has been approved, you will receive a notification via SMS. You may then refer further to the repairer regarding the repair work of your vehicle. The Approved Repairer will proceed with repairs when it receives the copy of the offer letter. Payment for the repairs will be handled between Kurnia and the workshop. You will have to bear any charges not covered by the Policy, then sign the discharge voucher when collecting your vehicle from the Approved Repairer.

8. 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.