Stay cool and don't panic. If no injury is involved, do drive your vehicle
to the side of the road or somewhere safe.
You should have a copy of the Singapore Accident Statement (SAS) form in
your vehicle. The SAS form should be completed at the scene of accident and it
consists of two parts:
Accident Statement (Part 1):
Fill and complete this part. Get the other driver involved in the accident to
fill up his version on Vehicle B portion and sign it too. The SAS form is carbonised,
one copy for you and one copy for the other driver. The Accident Statement helps
us to establish the basic facts of the accident. It is not an admission of
liability.
Individual Statement (Part 2):
This part can be filled later as it does not require the signature of the other
driver. Once completed, please proceed to submit your SAS form to our Reporting
Centres within 24 hours or latest, next working day after accident.
If none of the drivers involved has a Singapore Accident Statement form, then
be sure to take note of the essential details:
The registration numbers (number plates) of all other vehicles involved
The names, NRIC No, addresses and telephone numbers of the other driver(s)/owner(s)
and any witnesses
The names of insurance companies for the other driver(s)
SAS forms are also available at our Reporting Centres.
Avoid all roadside touts offering free tow-truck services and referral to
unauthorised workshops with free use of rental cars. They may compromise your
claim or defence to a claim.
Avoid discussing liability with others involved in the accident, or their
lawyers. Refer all communications from them to your insurance company.
If an accident involves injury, do not shift the car, call the police immediately.
You must also make a police report within 24 hours of an accident involving
Damage to a government vehicle or property
A foreign vehicle
A pedestrain or cyclist
A hit-and-run party
How To Make An Own Damage Claim for Repair of Your Vehicle?
You are advised to report the accident immediately at our Reporting Centres
ie the Independent Damage Assessment Centre (IDAC) within 24 of hours. The location
of the Reporting Centres is available on the reverse side of your Certificate
of Insurance.
You may call Income's 24 hour hotline: 6788 6616 for
location of the nearest IDAC. You may send us a picture of the damage
and position of the vehicle through MMS : 9711 2758 with
the vehicle number and date of accident in the following format <vehicle number>, <DDMMYY>.
If towing service is needed, you can call our 24-hour hotline at 6877
6616 for towing at no charge to you (within Singapore).
At the IDAC, you will be required to file an accident report and
submit a claim to your insurance company.
IDAC will assess the damages to your car and we will authorise repair
within two working days.
Your car will be repaired at a workshop selected by Income in accordance with
the policy conditions.
You can lodge a claim against the third party, if you are clearly not
at fault and the third party is not insured with NTUC Income. Our quality
workshop can assist you to make a third party claim.
However if both parties are insured with NTUC Income, we would advise both
parties to claim under their own motor policy. The party who is not at fault
will not be penalised with NCD reduction.
Important Note: We will exercise our right under Condition 8 to terminate
the policy if you fail to comply with the policy conditions. The No Claim Discount
(NCD) will be reduced for non-reporting or late reporting of accident and your
claim may be prejudiced.
Accident in Malaysia
For accidents in Malaysia, you must make a Malaysian police report within
24 hours even though the accident is between Singapore registered vehicles. You
will need to pay a fine of RM300 if you are assessed to be at fault.
If towing
services are required, you can call NTUC Income's 24-hour hotline: 6788 6616
for assistance.
You will have to pay for the towing service directly
to the recommended service provider, based on mutual agreement. The service provider
will tow your car to the nearest reporting centre and you can then file an accident
report at same reporting centre upon your return to Singapore. You can submit
a claim upto $200 for the towing service as provided for under the Scope of Cover
of your policy.
Courtesy car / Transport allowance
From the 2nd day your car is in our quality workshop
or reporting centre, you will enjoy either of the following benefits : Upon availability,
a courtesy car for the duration of the repair to a maximum of 14 days or
Transport allowance of $50 per working day for the duration of the repair to
a maximum of 14 days. A refundable deposit of $50 will be charged for the usage
of the courtesy car.
Note : The above benefits are applicable to insured under Quality Plus / Classic Plus / Premium Plus coverage.
No Claim Discount
Our policyholder enjoy a 10% 'No Claim Discount' upon renewal of their motor
insurance premium if there is no claim during the previous policy year.
For every 'claim free' year, the discount will be increased by 10% to a maximum
of 50% over five years.
Third Party Claims
If you have reported the accident to us, we will handle the third party claims
for you. We will communicate with the third party and/or their lawyers
and resolve the matter at best for you.
It is common for lawyers to serve Writ of Summon for third party claims. Do
not be alarmed. We will accept service on your behalf. However, in
case the lawyers have acted against our request and serve it on you personally,
you should hand it to us immediately upon receipt so that we can appoint our
lawyer to enter appearance on your behalf within the next 8 working days. You
may call us at 6788 6616 for advice.
Repairing your vehicle
For policyholder insured under the Quality Plan /Classic Plan, NTUC Income will assign an appointed Quality Workshop to repair your vehicle. In normal circumstances, the repair will commence within 2 business days after reporting. The actual time taken for the repair will depend on the extent of the damages. The workshop will provide a 6 months warranty on the repair.
For policyholder insured under the Premium Plan, you can have the repair of your vehicle carried out at the car distributor's workshop or your preferred workshop:
- You will report the accident at our reporting centres before sending
the vehicle to your workshop.
- We will assign our surveyor to survey the vehicle once your workshop
submits a repair estimate to NTUC Income.
Spare Parts unavailability
The insurer shall not be responsible if the spare parts are not available.
Arrangement will be made for the unavailable spare parts to be shipped in at
our cost. However, if the spare parts have to be air freighted, then the air
freight charges shall be borne by the policyholder. During the period where spare
parts are not available and due to this the repair is delayed, neither courtesy
car nor transport allowance will be provided.
