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Motor Claims

MS First Capital subscribes the General Insurance Association of Singapore’s Motor Claims Framework (MCF). Under this framework, we expect our motor policyholders involved in a Road Traffic Accident in Singapore to report the accident within 24 hours or by the next working day to either one of the following centres:

  • Any of our Premier Workshops
  • 24-Hours Helpline

If the accident happened in Malaysia you should report the accident to the Malaysian Traffic Police and to our office. You should also ask the Malaysian Traffic Police for a copy of your accident report.

If you do not report an accident within 24 hours or by the next working day, your No Claim Discount (NCD) will be adversely affected.

To file an accident report, you will need:

  • Your Certificate of Insurance.
  • The registration numbers of the vehicles involved and, if possible, the make/model/colour of vehicles.
  • Details of the other party/parties involved and their contract details.
  • Photographs of driver’s NRIC/ driving license (front and back).
  • Contact details of any witness(es).
  • The date/time/place of the accident.
  • Details of the accident, including the positions of the vehicles before/after the collision and the extent of damage to the vehicles.
  • Photographs taken at the scene of the accident, if any
  • Weather and road condition.
  • Copies of any police report that you have filed

You should also forward to us copies of any letters or court papers that you receive from third parties or from the Traffic Police concerning any accident. You should do this as soon as possible.

In many cases it may be necessary for you to allow a surveyor to look at your vehicle in order to assess the damage.

There may be further things to note depending on the type of claim you are making.

Windscreen Damage Claim

Please download the Windscreen Claim Form to be completed and signed by the insured. Get your workshop to contact us.

Own Damage Claim

You may opt to get your vehicle repaired at the Premier Workshop at which you lodged the accident report or to one of your preferred workshops if your vehicle is Comprehensively insured with us. 

If you opt to repair your damaged vehicle which we comprehensively insure at any one of our Premier Workshops, you may expect:

  • Waiver of the towage fee if your disabled vehicle has to be towed to a Premier Workshop.
  • The provision of a courtesy car when yours is undergoing repair.
  • Assistance in your claim for excess and loss of use when you are not at fault for the accident.

Third Party Property Damage Claim

If your vehicle is repaired by any one of our Premier Workshops and if you were not to be blamed for the accident, the Premier Workshop will assist you in the claim against the errant third party for your losses, including your policy excess and loss of use.

  • Avoid using any unauthorized tow-truck operators
  • You should not admit fault for the accident to any third party without obtaining written permission from our office.
  • Some motor policies carry and ‘excess’ which means that you need to pay the first part of any claim. If your policy carries an excess and you are making an own damage claim, you will need to make payment to the workshop repairing your vehicle. If your policy carries an excess and a third party is claiming against you, you will need to pay the excess to our office. Do note that in some cases GST may be payable.

Workmen’s Compensation Claims

When a workman is injured or killed in an industrial accident or when a workman contracts an occupational disease, employer must:

  • Submit an Accident Report to the Ministry of Manpower (MOM) in MOM’s prescribed form together with all supporting documents within 10 days. 
  • Submit a copy Accident Report filed with MOM together with our Claim Form to us within 10 days. A copy of our Claim Form can be downloaded [here].
  • Provide our office with copies of any medical certifications, hospital/medical bills and details of the injured workman average daily wage over the preceding 12 months so that we can access any reimbursement. In the case of a death claim details of the next of kin should also be provided.
  • Arrange for any injured workman with permanent incapacity to submit the prescribed application form for Permanent incapacity together with a medical report to MOM for assessment of nature and percentage of incapacity and the amount of the award.
  • File a death report to MOM together with the Death Certificate of the workman for assessment of quantum of compensation payable

If the injured workman wishes to withdraw his MOM claim or if you receive any intimation of a Common Law claim being commenced, you must inform our office immediately.

Fire, Accident & Liability Claims

In the event of a loss, please complete the relevant Claim Form and submit it to our office electronically or via letter within 24 hours from time of occurrence. Copies of our claim forms can be found [here].

In order to file the Claims Form you will generally need to have the following information to hand:

  • The name and contact particulars of property owner and/or injured party;
  • Details of the circumstances surrounding the loss event such as the place of the loss and the day and time of the loss event.
  • A description of the loss event and parties involved
  • Details about the loss was discovered and how the loss brought to your attention
  • Details of what has been lost
  • Details of any witnesses

Please provide us with copies of any supporting documents.

Marine insurance Claims

In the event of a loss, please complete the relevant Claim Form and submit it to our office electronically or via letter within 24 hours from time of occurrence. Copies of our claim forms can be found [here].

In order to file the Claims Form you may need to have the following information to hand:

  • The name and contact particulars of property owner and/or injured party.
  • Details of the circumstances surrounding the loss event such as the place of the loss and the day and time of the loss event.
  • A description of the loss event and parties involved.
  • Details about the loss was discovered and how the loss brought to your attention.
  • Details of what has been lost.
  • Details of any witnesses.

Please provide us with copies of any supporting documents.