Make A Claim | Cheap Car & Motorcycle Insurance Singapore | DirectAsia Insurance

The Claims Process

Insurance should be simple. Especially when you claim.

If you have any questions about what information you'll need or the next steps to make a claim,
please read more below or call us to speak with one of our friendly insurance experts.

Call Us
 

call us

Call us immediately on In Singapore
6532 1818
or +65 6603 3699 (Intl) to start a claim. If you've just had an accident, stay calm, we are here to guide you.

Personal claims specialist
 

Personal Claims Specialist

Within one working day you'll be assigned a personal Claims Specialist. You'll have the ability to contact them directly throughout your claim.

Stay up-to-date
 

Stay up-to-date

We will update you as your claim progresses via Phone or Email. Once your claim is completed we'll help get your payment or vehicle back quickly.

What to Do When You Claim

  • Car Claims

    Reporting an accident

    You are required by the General Insurance Association of Singapore to report an accident to your insurer within 24 hours (or the next working day) even if you are not claiming on your own insurance or when there is no damage. If not, your No Claim Discount (NCD) may be affected.

    Reporting to the police

    You need to report an accident to the police if someone is injured, if a hit-and-run situation occurs, or if a government vehicle/property, foreign vehicle, or pedestrian/cyclist is involved.

    Details to exchange are:
    • Car license plate number
    • Names
    • NRIC or other identification numbers
    • Address
    • Phone number
    • Insurance details

    Try to note your exact location. If you can, take photos and video of the scene, including vehicles and damaged property before they are moved.

    Information needed to make a claim
    • Accident report – We will assist you with this when you call
    • Completed claim form – For windscreens only
    • Police report (if needed) – Refer to section above on Reporting to the Police
    • Medical and specialist reports – If anyone is injured get a medical report from the doctor
    • Bills and invoices of expenses incurred (i.e. overseas towing, medical fees)
    • Documents supporting your claim (i.e. photographs, medical certificates)
    • Names and particulars of witnesses
     

    Keep the original copies and either fax copies to our general fax line at 6423 1197, email at claim@directasia.com or post to DirectAsia, 88 South Bridge Road S(058716).

  • Motorcycle Claims

    Exchange details with other drivers, anyone injured, witnesses and passengers.

    Reporting an accident

    You are required by the General Insurance Association of Singapore to report an accident to your insurer within 24 hours (or the next working day) even if you are not claiming from your own insurance or even when there is no visible damage. If not, your No Claim Discount (NCD) will be affected.

    Reporting to the police

    You will need to report the accident to the police if someone is injured, if a hit-and-run situation occurs, or if a government vehicle/property, foreign vehicle, or pedestrian/cyclist is involved.

    Details to exchange are:
    • Registration number
    • Names
    • NRIC or other identification numbers
    • Address
    • Phone number
    • Insurance details

    Note your exact location. If you can, take photos and video of the scene, including vehicles and damaged property before they are moved.

    Documents needed to make a claim:
    • Accident report – We will assist you with this when you call
    • Police report – Refer to our section below on reporting to the police.
    • Medical and specialist reports – If anyone is injured get a medical report from the doctor.
    • Bills and invoices of expenses incurred (i.e. overseas towing, medical fees)
    • Documents supporting your claim (i.e. photographs, medical certificates)
    • Names and particulars of witnesses
     

    Keep the original copies and either fax copies to our general fax line at 6423 1197, email at claim@directasia.com or post to DirectAsia, 88 South Bridge Road S(058716).

  • Travel Claims

    Call us at +65 6532 1818 from Monday to Friday 9am to 5pm to submit your claim with your flight itinerary, and copies of the supporting documents within 30 days upon returning from your trip.

    Documents needed for each type of claim:
    Medical expenses
    • Medical report and other medical documents
    • Medical bills – original copies
    • Police report (needed if the injury/death resulted from a traffic accident or crime)
    • Death documents e.g. death certificate, autopsy report, coroner's findings (for deaths)
     
    Trip cancellation
    • Medical report and any other medical documents
    • Written advice or medical certificate from a qualified medical practitioner
    • Receipts for booking of trip
    • Travel agent and/or airline's confirmation of refund amount
    • Death documents (for deaths)
    • Proof of relationship (if due to sickness, injury or death of related person)
     
    Loss of baggage and personal belongings
    • Copy of police report or airline report lodged at place of loss within 24 hours
    • Baggage loss or damage report from airline
    • Written confirmation of compensation from airline
    • Photographs of damaged items
    • Receipts (purchase/repair) and warranty cards of lost or damaged items
     
    Missed flights and delays
    • Written confirmation from airline on cause and duration of delay
    • Delay report and acknowledgement slip (baggage delay)

 

In the event of a Total Loss or theft of your vehicle within the first 24 months of its first registration in Singapore, we will either offer cash compensation or a replacement car to you; it will be at DirectAsia's discretion and approval. You need to submit the claim to us first for assessment before going ahead with the new car purchase. We will advise you in writing of the method of settlement.
If you select NCD Protection under our optional benefits then we will protect your No Claim Discount (NCD) when you make up to one claim under your policy and if you renew with us. Only applicable for NCD30, NCD40, NCD50 and NCD60 only.
A No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident and that you have been insured with us for the past 12 months. Here's more details on NCD and who is eligible.
We do not cover personal items that are stolen from your vehicle. For example laptop, cash card and accessories.
It is advisable to make a claim on your own insurance policy. Making a claim against motorists from another country can turn out to be costly and time-consuming. If you are not at fault and you are able to provide the registration number of the third party vehicle you will only be asked to pay the own damage excess on repairs. Your NCD will not be affected.
You will need to bring along copy of your SAS Accident report, Certificate of Insurance and your accident vehicle to any of our Authorised Workshops to make a claim under your own policy. If you are unsure, please call us at 6532 1818 or email us at claim@directasia.com.
No refund will be given if there is an accident reported and/or claim made under your insurance policy. We reserve the right to collect any outstanding premium from you if you have opted for our instalment payment plan.
There are a number of factors involved in pricing premiums. Firstly, there may be an increase in claims for your car make and model, which will lead to higher premiums. The higher price may also be driven by inflation. For example, increased repair costs, legal fees and medical costs means increased insurance premiums to keep up with these costs in general.
If the overall claims experience is bad that year then insurance companies have to increase their premiums across the board for all motorists irrespective of whether you have made a claim or not. If you have a clean driving record, though, your premium will still be lower than those with accident claims.
All information on how to lodge a claim with DirectAsia can be found at www.directasia.com/claims or call 6532 1818 for personal assistance.

Have questions? Speak with us directly at 6665 5555 or provide your details and we’ll call you.