Car accidents can happen at any time, so it’s important for every vehicle owner in Malaysia to know which insurance claims they can file. Knowing how your auto insurance works can save you time and money when you have to deal with a small fender-bender or a big accident.
In Malaysia, there are a few basic types of car accident insurance claims, each covering different types of damage and situations. Let’s take a look.
- Own Damage Claim
Own Damage claims are applicable when your car is damaged as a result of your carelessness. This indicates that you are claiming compensation from your insurance provider for the loss or damage to your car.
To be eligible for Own Damage claims, you must have comprehensive insurance coverage. Accidental damage to your car is not covered by policies such as third-party, fire, or theft.
Own Damage claim allows you to repair your vehicle using your Comprehensive Insurance Policy.
- Third-Party Property Damage Claim
This is the most common type of claim when the other driver is at fault. It is used to claim damages to your vehicle from the insurance of the party responsible for the accident.
Damage to your car or property, as well as other financial losses such as excess costs and loss of use, may be compensated. You may pursue a fundamental insurance claim known as TPPD if you are not at fault for the accident.
- Windscreen Damage Claim
This is one of the most common claims in Malaysia. If you’ve added windscreen coverage to your policy, you can claim for any windscreen damage without affecting your No-Claim Discount (NCD). Insurance providers typically offer this as an optional add-on for an extra premium.
However, the coverage generally allows only one claim per policy year. If you need to make another claim within the same year, you’ll need to repurchase the windscreen cover.
- Own Damage Knock-for-Knock Claims
An Own Damage Knock-for-Knock (OD-KFK) claim allows you to use your comprehensive insurance policy to cover repair costs when the accident is not your fault.
With this claim, you can have your car repaired at your insurer’s panel workshop without affecting your No-Claim Discount (NCD). Besides, your insurer will handle the recovery of repair costs directly from the at-fault driver’s insurance company. This may save you the hassle of dealing with the other party.
- Theft or Loss Claim
If your car is stolen or damaged beyond economic repair, you can file a Theft or Loss claim.
Depending on your policy terms, the insurance company will reimburse you for the insured value of your vehicle, which may be either the agreed value or the market value.
- Flood, Fire, and Natural Disaster Claim (Special Perils)
Floods and flash storms are becoming increasingly frequent in Malaysia. With a Special Perils add-on, you can claim for damages caused by natural disasters such as floods, landslides, falling trees, or fire.
This type of claim applies when your vehicle is damaged by unexpected events. However, it’s important to note that Special Perils coverage is not automatically included in standard car insurance policies, you must purchase it separately to stay protected against such risks.
What Do You Need to File a Claim?
To file a car insurance claim smoothly and avoid delays, prepare the following documents and information.
| Document | Purpose |
| Police Report | Confirms the details and fault of the accident. |
| Accident Photos | Provide visual evidence of the scene, damages, and vehicle positions. |
| Copy of IC and Driving Licence | To Verify Identity |
| Copy of Insurance Policy | Helps your insurer identify your policy coverage and claim eligibility. |
| Vehicle Ownership Card | Confirms vehicle ownership and matches the insured vehicle details. |
Conclusion
Knowing the different kinds of car accident insurance claims in Malaysia might help you do the right thing right away after an accident.
If you’re not sure which policy is ideal for you, sites like Key Plus can help you compare, renew, and manage your vehicle insurance, all with transparent pricing and agreed value flexibility.