Motor Claims Framework (MCF)

With the effect of on 1 June 2008, Motor Claims Framework is an industry-wide initiative aimed at enhancing the level of service to all motor policyholders.

The General Insurance Association of Singapore announced the Motor Claims Framework in March 2008. Under this framework, insurance companies or through their authorised representative or approved workshops will provide a comprehensive claims service to handle the repair of vehicle damage and to assist policyholder who is not liable for the accident to make claims against Third-Party insurers (known as a Third Party Claim).

Essentials of Motor Claims Framework (MCF)

As a motor policyholder, you are required to do the following after the occurrence of an accident involving your motor vehicle:

  1. report the accident with your damaged vehicle to us through our approved reporting centres or approved workshops within 24 hours or the next working day of the accident and
  2. contact the approved reporting centres or authorised workshops to arrange for towing of your disabled vehicle to our approved workshops

Please do not allow your vehicle to be taken away to any other workshops and do not sign any agreement given by any unauthorised tow-truck operator.

Motor Claims Framework
Image from Motor Claims Framework Brochure

To reiterate, the Motor Claims Framework is an industry-wide move to help motorists deal with all motor accidents and, in particular, third party claims. In return for providing a comprehensive service to motorists, insurers now require motorists to report their accidents within 24 hours or by the next working day to their insurers and/or their approved reporting centres.

This is an industry-wide best practice condition and we, as your insurers strongly encourage you to observe this requirement. Kindly note that failure to comply with this requirement will result in losing all or part of No Claims Discount and/or a denial of the claim in respect of that particular occurrence.

You may find out more about Motor Claims Framework from the PDF brochure here.

Car insurance premium may be affected after the accident

We are aware that most car insurance company will increase car insurance renewal premium upon a claim. This is true if the car owner is wholly or partially at fault. Fortunately, we happen to know some insurer are more “price-friendly” with car owners with claim history. 

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