When accidents or unexpected incidents happen, knowing how to claim your motorcycle insurance can save your time, stress, and money. However, many motorcyclists in Malaysia are unsure of the right steps to take, especially when emotions run high after a crash or damage. In this guide, we’ll walk you through the step-by-step process of making a successful motorcycle insurance claim in Malaysia.
Types of Motorcycle Insurance Claims
Before jumping into the process, it’s important to understand the two common types of claims:
- Own Damage Claim – For accident where you’re at fault or have a comprehensive insurance policy.
- Third-Party Claim – When another party is at fault, and you’re claiming from their insurance.
Step-by-Step Process to Claim Motorcycle Insurance
Step 1: Stay Calm and Prioritize Safety
After an accident, check for injuries and move to a safe location if possible. Don’t argue or admit fault on the spot.
Step 2: Document the Scene
Take clear photos or videos of:
- Your motorcycle (damaged parts)
- Other vehicles involved
- Road conditions, traffic signs, etc.
- License plates and insurance details of the other party.
Step 3: Lodge a Police Report Within 24 Hours
Go to the nearest police station and file a report. Provide accurate details. A copy of this report is essential for your insurance claim.
Step 4: Notify Your Insurance Provider
Call your insurance company’s hotline within 24 hours. Most insurers require prompt notice to initiate a claim.
Step 5: Tow Your Motorcycle to a Panel Workshop
Use your insurer’s approved towing service if your bike is not rideable. Avoid repairing the bike at a non-panel workshop as it might affect your claim eligibility.
Step 6: Submit the Required Documents
Prepare the following documents for the insurance adjuster:
- Police report
- Copy of your driving license
- Copy of your identity card
- Insurance policy cover note
- Motorcycle registration card (Grant)
- Photos of the incident
Step 7: Inspection and Assessment
An insurance adjuster will assess the damage and determine the claim amount. This step may take a few days depending on your insurer.
Step 8: Repair and Claim Approval
Once approved, the panel workshop will begin repairs. You’ll be notified when your motorcycle is ready for collection.
Extra Tips for a Smooth Claim Process
- Don’t delay the report or claim submission.
- Be honest in your statements to police and insurance adjusters.
- Keep copies of all documents and correspondence.
- If unsure, ask your insurer for assistance or clarification.
Understanding the claim process is essential for every motorcyclist. Whether it’s a minor collision or major damage, knowing what to do can help you avoid unnecessary delays or rejected claims.
If you ever need guidance, our team is always ready to help with the insurance claim process. Just visit our workshop for assistance and expect advice. Click here to know more about our workshop!
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