🚘 What is Knock-for-Knock in Car Insurance?
In Malaysia, Knock-for-Knock (KFK) is a claim process where your own insurance company pays for your vehicle repairs even if the accident wasn’t your fault. It’s applicable only if you have a comprehensive car insurance policy.
Instead of chasing the other party’s insurer, your insurer pays upfront and later claims it back from the at-fault party’s insurer. This simplifies the process, speeds up repairs, and protects your No Claim Discount (NCD).
✅ Benefits of Knock-for-Knock Claims
1. Faster Repair Time
You don’t need to wait for the third party’s insurer to respond. Your insurer can start processing immediately.
2. Protects Your NCD
When the other party is proven at fault and KFK is applied, your NCD remains intact. This helps reduce your premium during renewal.
3. Less Stress Dealing with Other Parties
You deal only with your own insurer, which is faster and more convenient.
4. CART & Excess Refund
You may also be eligible for Compensation for Assessed Repair Time (CART) and excess refunds, depending on your policy.
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📝 Eligibility Requirements
To qualify for a Knock-for-Knock claim in Malaysia:
- You must have a comprehensive car insurance policy.
- The accident is clearly not your fault.
- The accident must involve another private car with valid insurance.
- There must be no bodily injury involved.
- The police report must clearly state who is at fault.
- Your claim must be filed within 7 working days of the accident.
📂 Documents Needed
Be prepared with these documents to file a Knock-for-Knock claim:
- Police report (must be lodged within 24 hours)
- Copy of your NRIC and driving licence
- Completed claim form
- Photos of the accident scene and vehicle damage
- Vehicle registration card
- Estimate repair cost from a panel workshop
- Police report and insurance details of the third party
🔧 How to File a Knock-for-Knock Claim
Here’s a step-by-step guide:
- Ensure you have comprehensive coverage.
- Lodge a police report within 24 hours.
- Submit the required documents to your insurance company.
- Bring your car to an approved panel workshop for inspection.
- Your insurance company will handle the rest.
If your insurer confirms you’re not at fault and the case qualifies for KFK, your claim will proceed under the Knock-for-Knock agreement, and your NCD won’t be affected.
⚠️ When Knock-for-Knock is Not Applicable
- The other vehicle is a bus, taxi, or commercial vehicle.
- Foreign-registered or uninsured vehicles.
- Personal injury is involved.
- Disputes on fault based on unclear police reports.
In these cases, your claim may fall under normal procedures and affect your NCD.
🔍 Why Dashcams Help
In many cases, determining fault can be challenging. A dashcam provides solid evidence and speeds up investigations. Insurers may refer to dashcam footage when deciding whether a Knock-for-Knock claim is valid.
💡 Tips to Keep Your NCD Intact
- Drive defensively and always obey traffic rules.
- Install a dashcam to support your claim if you’re not at fault.
- Avoid admitting fault at the accident scene—let the police and insurer decide.
- Choose a reliable insurer with a clear claims process.
🛡️ Why Comprehensive Coverage Matters
If you only have third-party insurance, you are not eligible for a Knock-for-Knock claim. In that case, you must wait for the third party’s insurer to accept liability and process your claim—often a slower process.
Choosing comprehensive insurance protects you better, especially in uncertain traffic situations.
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✨ Final Thoughts
Knock-for-Knock claims can be a lifesaver when you’re in an accident that’s not your fault. It helps you get back on the road faster without worrying about delayed claims or losing your NCD.
Make sure you’re covered with a comprehensive policy, and always file your police report on time. Want to check your car insurance status or compare plans?
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