Guide to filing a third party insurance claim in Singapore

car sent for repair after 3rd party claimA third party accident claim is required when there is damage done to a 3rd party, which is the other person who has collided with the vehicle.

Third-party insurance is a necessity, and there is a reason why everyone has to have it when they are getting a driver’s license. It can cover the costs of the damages done to your vehicle, as well as your body.

What are my rights and requirements as a claimant?

Under the Motor Vehicle (Third-Party Risks and Compensation) Act, an insurer must agree to the judgments made in favor of a 3rd-party following a motor vehicle accident.

Under the Rights of Third Parties Act, a 3rd party can also claim under a policy if:

  • The policy itself says he/she can, or
  • The policy names him/her as a beneficiary.

What are the benefits of third-party insurance claims?

  • Related expenses such as car rental fees are covered.
  • You also have up to 30 days to change back to your damage claim.

How long does it take?

On average, 3rd-party damage claims get settled within six months.

What if I face a dispute?

If you face a dispute when filing a third party insurance claim in Singapore, you can contact the Financial Industry Disputes Resolution Centre.

What are the steps required to file such a claim?

1. Immediately after the accident, get as much information as you can. This includes:

  • Full Name
  • NRIC/FIN
  • Complete Address
  • Contacts of the other party, including their email and phone numbers
  • Insurer and Policy Number

2. Document, photograph and talk to people, and record everything

This includes taking clear pictures of your vehicle, the damage done, the other party’s vehicle and all the vehicles involved. It also consists of the vehicles in the surrounding areas and pictures of the surrounding area. Especially if there is any collateral damage done, and talking to people who are around who can give eye witness accounts to you.

3. Report the accident to your insurer as soon as possible

Remember, you must legally report ALL motor accidents within 24 hours or on the next working day. Even minor accidents with no damage should be reported. All insurers, by law, have 24-hour hotlines.

You can call your insurer to send you a towing truck if necessary. They will also answer any immediate questions for you. You can also report an accident in one of the insurer’s Approved Reporting Centers.

If you do not report the accident, the following can happen:

  • Loss of your No Claims Discount upon your policy’s renewal time.
  • The insurer declining/canceling your policy renewal.
  • The insurer refusing to reimburse your costs by claiming you have broken a rule of contract.

4. Contact other person’s insurer

You must contact the third party’s insurer and let them inspect your car’s damage before sending it for repair. The third-party’s insurer has two working days to perform the pre-repair inspection after you have contacted them. You cannot start your car’s repair process until the pre-repair inspection is complete.

If the other driver’s fault is confirmed, you can bring your car to the 3rd party insurer’s Approved Reporting Center / Authorized Workshop and make the necessary repairs there.

After the inspection is finished, and you have received a repair estimate cost, you can proceed with the repairs. Follow these simple steps for a smoother transaction, which will cost you less time and less money.