Claiming Car insurance in Singapore

There would not be anything that you do not know about claiming car insurance. Isn’t it? Obviously, there are hundreds of situations, when a driver has to claim for car insurance. In fact, there are people who call their insurer as soon as their car met with an accident even before, treating their bleeding wounds. Yes, it’s easy to make up with the lost blood then money. Well jokes apart, insurance is a very tricky domain that requires certain tips & actions for getting maximum benefit, you never know, you can benefit money even without claiming for the damage. Yes, follow the tips and see how to get the maximum benefit from your car insurance claims.

• Considering No Claim Discount before claiming

Before you claim for the damage caused to your car by an accident, think about the no claim discount as well. Make rough estimation about the damage cost and also calculate the NCD (no claim discount). Insurance companies give discounts to the drivers for not claiming insurance for the year. If this discount is bigger than the amount you want to claim, then it is smarter not to claim for it.

In June 2011, a chart was released for Insurance Renewal Discount with no claim:  

For the trivial damages, you definitely have no other option then to claim, but for scratches or a loose bumper, you can bear the bill from your pocket as well. Remember that you have to be quick in making decisions, as you have to claim within 24 hours.

Here are quick steps what you need to do after that:

1^st Step: Note down the contact details:

Immediately jot down the details like name, NRIC number, address, insurance company, contact number of the involved parties.

2^nd Step: Clicking the vehicle:

To take the pictures of all the vehicles involved is important, and this includes the vehicle of the third party as well. While clicking, focus upon the damage on the vehicle, their number plates, along with the relevant road features that would state the lace of the accident. Use any camera for making instant clicks; yes, the camera in your phone will also work.

3^rd Step: Moving to the authorized workshop 

To get the car repaired from the authorized dealer is important. If you do not know about one at your nearby area, then you can make a call to the insurer for getting the list of authorized workshops. but do remember that getting this in hardcopy or softcopy is important. 

4^th Step: Knowing about impact on policy

Once you claim for the insurance, it would be good if you ask your insurer about the impact on the policy. See if your premiums are been raised by the company, whether you want another policy or not, and other such factors. 

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