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Guide on Claims Procedure in Singapore

The Motor Claims Framework (MCF) was set up to provide a comprehensive service for all motor insurance claims. The MCF is fully supported by all
insurers in Singapore and allows motorists to make motor claims in a simple, hassle-free and speedy manner, as well as bringing the added benefits of a greater pool of certified motor repair workshops and related services.

This simple guide will walk you through the recommended steps you need to take in the event of an accident. Follow them and you will find the claims process a smoother one because it works to your maximum benefit.

1. In case of accident, you should:

Exchange particulars of involved parties including Name, NRIC/FIN, Telephone Number, Address and Insurer. Take note of the vehicle numbers and do take digital photographs (e.g. MMS) of your accident vehicle which can be included during the e-filing of accident reports later.

Call your insurer's hotline for a tow truck

Report and bring your accident vehicle (whether damaged or not) to the approved reporting centre/authorized workshop within 24 hours or by the next working day.

* Avoid all unathorised tow-truck operators or repair workshops.

2. The Benefits Of Reporting

By reporting the accident within the stipulated time, you not only enjoy hassle-free and quality-certified repair services as provided under the MCF, you will also avoid potentially higher costs from exaggerated claims.


All accidents must be reported to your insurer within 24 hours or by the next working day with your accident vehicle, no matter how trivial or even if there is no visible damage, and irrespective of whether you are claiming from any
insurers or third parties.

3. Should You Fail To Report The Accident

Should you fail to report to your insurer with your accident vehicle, you may find yourself in a position of having your claims prejudiced or declined later by
insurers. Failure to comply with the new policy condition will be seen as being "in breach" of the policy terms and conditions, i.e. there will be no liability on the part of the insurer.

Any non-compliance of this Policy Condition will result in a loss of your No Claims Discount upon renewal of your policy.

4. Can I Still Use IDAC?

The Framework does not mean the end of Independent Damage Assessment Centres (IDAC). There is no change to the process at IDAC currently used by some of our member companies. If in doubt, you are advised to check with your own insurer on the use of IDAC.

Should you have any questions, feel free to call your insurer for advice, or visit the MCF online at

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