Making an insurance claim may be a hassle for some people. Kurnia has come up with a simple guideline that could help you accelerate your claim process. Here's a simple to-do list that could guide you to pursue your insurance claim easily, minus the hassle:
A Own Damage Claim
You can make an Own Damage claim towards loss / damages sustained to your vehicle on your own policy, if your vehicle is protected by a comprehensive motor insurance policy.
Report to the police within 24 hours as required by Law.
Send your vehicle to an authorized workshop for immediate attention. Check with your insurance company on the list of panel authorized workshop.
Kurnia Insurans policyholders can use our Panel Workshop Locator to find the workshop of your choice or call our 24-hour Kurnia Auto Assist at 1-800-88-3833 for assistance.
Collect the claim form from your insurance company, complete and sign accordingly, and submit together with copy of the following documents within 14 days.
1.
Original police report
2. Repairer's estimated cost of repairs
3. Copies of:
- Insurance Policy / Cover note
- Vehicle registration card
- Road tax disc
- Identity card and driving license of the vehicle owner
- Identity card and driving license of the driver
- Hire purchase agreement (if applicable)
To get prompt attention, you are advised to submit your claim with full documentation as prescribed above direct to Kurnia Head Office or any of our Branch Offices.
You are encouraged to provide your hand phone number during claims notification, as you will receive SMS notifications informing you the status of your Own Damage claim instantly.
Your NCD will be forfeited when you make an Own Damage claim.
No-Fault Own Damage Claim
No-Fault Own Damage claim is similar to an Own Damage claim with exception that your NCD will not be forfeited. Introduced by Persatuan Insurans Am Malaysia (PIAM) effective June 2001 in order to expedite the claim process, this claim is applicable only when the accident is deemed not your fault. This is determined by the circumstances of the accident and through the police investigation report (ie Police compound/findings, sketch plan and key) to support the claim. The claim is made only with regards to damages to your vehicle excluding compensations such as loss of use.
Follow the procedure as outlined in "Own Damage Claim". In addition to the documents to be submitted with your claim form, please enclose the following documents :
Copies of :
-Signed declaration letter (for No-fault accident)
-Third party's police report
-Police compound / findings
-Police sketch plan and keys (if any)
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