Wednesday, May 28, 2008

HOW TO MAKE A MOTOR INSURANCE CLAIM FROM KURNIA INSURANCE

Making an insurance claim may be a hassle for some people. Kurnia has come up with a simple guideline that could help you accelerate your claim process. Here's a simple to-do list that could guide you to pursue your insurance claim easily, minus the hassle:

Own Damage Claim
  • Report to the police within 24 hours as required by Law.
  • Send your vehicle to an authorized workshop for immediate attention. Check with your insurance company on the list of panel authorized workshop.
  • Kurnia Insurans policyholders can use our Panel Workshop Locator to find the workshop of your choice or call our 24-hour Kurnia Auto Assist at 03-2692 2233 / 1-800-88-3833 for assistance.
  • Collect the claim form from your insurance company, complete and sign accordingly, and submit together with copy of the following documents within 14 days.
  • Original police report
  • Repairer's estimated cost of repairs
  • Copies of:
    1. Insurance Policy / Cover note
    2. Vehicle registration card
    3. Road tax disc
    4. Identity card and driving license of the vehicle owner
    5. Identity card and driving license of the driver
    6. Hire purchase agreement (if applicable)
  • You are encouraged to provide your hand phone number during claims notification, as you will receive SMS notifications informing you the status of your Own Damage claim instantly.
  • Your NCD will be forfeited when you make an Own Damage claim.
No-Fault Own Damage Claim
No-Fault Own Damage claim is similar to an Own Damage claim with exception that your NCD will not be forfeited. Introduced by Persatuan Insurans Am Malaysia (PIAM) effective June 2001 in order to expedite the claim process, this claim is applicable only when the accident is deemed not your fault. This is determined by the circumstances of the accident and through the police investigation report (ie Police compound/findings, sketch plan and key) to support the claim. The claim is made only with regards to damages to your vehicle excluding compensations such as loss of use.

Follow the procedure as outlined in "Own Damage Claim". In addition to the documents to be submitted with your claim form, please enclose the following documents :

Copies of :
  • Signed declaration letter (for No-fault accident)
  • Third party's police report
  • Police compound / findings
  • Police sketch plan and keys (if any)
Theft Claim
You can make a theft claim in the event your vehicle is stolen/loss if your vehicle is protected by a comprehensive or a third party fire and theft motor insurance policy.
  • Report to the police within 24 hours as required by Law and obtain a copy of the police report.
  • Collect the claim form from your insurance company, complete and sign accordingly, and submit together with copy of the following documents within 14 days.
  • Original police report
  • Copies of:
    1. Insurance Policy / Cover note
    2. Vehicle registration card
    3. Road tax disc
    4. Identity card and driving license of the vehicle owner
    5. Identity card and driving license of the driver
    6. Hire purchase agreement (if applicable)
  • For Kurnia policyholders, an interview will be arranged by our personnel to obtain a statement from you (the Insured) with regards to the theft incident.
  • Notify your insurance company if your vehicle is recovered in order to facilitate damage survey by your insurance company's appointed adjusters before removal from police custody.
  • Your NCD will be forfeited when you make a theft claim.
Windscreen Claim
You can make a windscreen claim in the event your vehicle's windscreen is damaged if your vehicle is covered by a comprehensive motor insurance policy with a windscreen cover extension.
  • Claims notification/ Collection of Claim Form through any of our branch office or KIMB's panel workshop.
  • Complete and sign the Claim Form and submit together with copy of the following documents within 14 days.
  1. Original police report and/or photos of damaged windscreen (Please refer Table A)
  2. Copies of:
    • Vehicle registration card
    • Road tax disc
    • Insured's identity card & driving license
    • Driver's identity card & driving license
    • Insurance policy / Cover note
    • Photos of repaired windscreen (Please refer Table B)
    • Cash bill / final bill / receipt
  • Kurnia Insurans policyholders can be obtained on-the-spot reimbursement (upon windscreen repaired) at any of our branch offices if the claim form and all supporting document are in order.