Claims
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I need to make a claim, what should I do?
Choose your insurance/takaful provider below
FAQ
You should contact your insurance/takaful provider to request 24-hour car breakdown and accident assistance:
Etiqa : 1-800-88-6491
AmGeneral : 1-300-88-2647 (powered by Kurnia Auto Assist)
RHB : 1-300-88-0881
Zurich : 1-300-88-6222
Etiqa : Etiqa panel workshops
AmGeneral : AmGeneral panel workshops
RHB : RHB panel workshops
Zurich : Zurich panel workshops
If you have insured your vehicle for a continuous period of 12 months and you or anyone else did not make any claim under this policy/certificate during that period of insurance/takaful, a No Claim Discount (NCD) will be applied at each renewal. This applicable NCD will increase with each renewal if you continue to have claim free years as follows :
| Claim Free Year of Insurance/Takaful | NCD Entitlement |
|---|---|
| After 1 continuous claim free year | 25% |
| After 2 continuous claim free year | 30% |
| After 3 continuous claim free year | 38.33% |
| After 4 continuous claim free year | 45% |
| After 5 continuous claim free years and beyond | 55% |
You will not lose your NCD if the other driver, or a third-party, is at fault. The ultimate determination of the party at fault will be based on the evidence from the investigation by the police.
However, if a claim is made on your policy/certificate and you were considered to be responsible, the NCD entitlement that you have accumulated would drop to zero at the next renewal and your NCD will start all over again.
There are three (3) options for you to make a claim:
Option 1 (Own Damage): You claim against your own policy/certificate.
Impact to you: You lose your NCD.
Option 2 (Third Party Claim): You make a claim against a third party company.
Impact to you: Your NCD will not be affected.
Eligibility: When it can be proved that the third party is at fault, and if the vehicle involved is not a bus, taxi, motorcycle, diplomatic vehicle, vehicle belonging to a foreigner, or a government vehicle.
Option 3 (Own Damage – Knock for Knock): You make a claim against your own policy/certificate; your insurer/takaful operator will communicate with the third party’s insurance/takaful company.
Impact to you: Your NCD will not be affected.
Contact Us
You may contact us at [email protected]
As your insurance broker, we continuously work to protect the best interests of our customers. If you have any issues with the use of instaPol or your claim, we are here to help.