When you’re involved in a car accident, the last thing you want is a complicated claim process. Whether it’s a minor dent or a major collision, knowing how to claim car insurance in Malaysia can save you time, money, and stress. This guide walks you through every step — all in simple, practical terms.
🚗 What Is a Car Insurance Claim?
A car insurance claim is a request you make to your insurer to cover damages or losses caused by accidents, theft, or other incidents. In Malaysia, claims typically fall under:
- Own Damage (OD) — For your own car (with a comprehensive policy)
- Third-Party Claims — If another driver caused the accident
- Windscreen Claims
- Special Perils (Flood, landslide, etc.)
- Theft or Fire
You can learn more about types of motor insurance in Malaysia from PIAM’s official guide (external link).
🛠️ Step-by-Step: How to Claim Car Insurance in Malaysia
1. Ensure Safety First
Check if anyone is injured. Call 999 if needed. Turn on hazard lights and move to a safe area if possible.
2. Gather Evidence
Take clear photos of:
- The vehicle damage
- Other party’s number plate
- Road conditions and surroundings
- Driver’s license and IC (if agreeable)
Also, collect witness contact info if available.
3. Make a Police Report Within 24 Hours
You must lodge a report within 24 hours at the nearest police station. Bring your IC, driving license, vehicle registration (geran), and accident evidence.
You’ll receive a copy of the police report and investigation result — both required for claims.
4. Notify Your Insurance Provider
Inform your insurer within 7 days (or sooner). You can contact their:
- Hotline
- Website chat
- Mobile app (if available)
Many digital insurance platforms like MetaFin provide chat-based claim guidance.
5. Send Vehicle to Panel Workshop
You must send your car to a panel workshop for claims to be processed. Non-panel workshops may void your claim unless your policy covers it.
Check your insurer’s website for the list of approved workshops.
6. Assessment & Repair
An adjuster from your insurance company will assess the damage. Once approved, repairs begin.
📌 Tip: If you have NCD protection, your No-Claim Discount won’t be affected.
🗂️ Documents Needed to Claim Car Insurance
- Police report
- Insurance policy or cover note
- Copy of NRIC and driving license
- Vehicle registration card
- Workshop repair quotation
- Photos of the accident scene
- Investigation result from police
🧾 What If You’re Not at Fault?
You may file a third-party claim against the other party’s insurer. This may take longer and requires:
- Clear evidence that you’re not at fault
- Police report naming the other driver as guilty
If you want a faster process, claim under your Own Damage coverage, even if you’re not at fault — especially if you need your car urgently.
Learn how to renew your car insurance and road tax easily using the MetaFin DIY platform
🌧️ What About Flood or Theft Claims?
If you’ve added special perils coverage, you can claim for:
- Flood
- Landslide
- Falling trees
- Thunderstorms
Theft or total loss claims take longer and require investigation from police and insurers. Be sure to submit all required documentation and follow up regularly.
🧠 FAQs About Car Insurance Claims
Q: Can I make a claim without a police report?
A: Only windscreen claims usually allow this. For accidents, a police report is mandatory.
Q: Can I choose any workshop?
A: Only panel workshops unless your policy includes non-panel workshop add-on.
Q: How long does it take to process a claim?
A: 5 to 14 working days depending on case complexity.
Q: Will claiming affect my NCD?
A: Yes, unless you have NCD protection add-on.
📈 Final Thoughts: Be Prepared, Not Panicked
Accidents are stressful, but your claim process doesn’t have to be. By understanding how to claim car insurance in Malaysia, you’ll avoid delays and get your car back on the road faster.
Make sure you choose a policy with coverage that suits your needs — including special perils, towing, and NCD protection.
Ready to renew or switch insurers? Check out MetaFin’s car insurance comparison tool and save more on your next policy.