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How to file a third-party insurance claim in Singapore

Any party filing an insurance claim, besides the insurance company and the insured party, comes under the purview of laws pertaining to third-party insurance claims in Singapore.


Singapore car accident involving a BMW


For motor insurance, third party insurance is the most basic type of insurance that all car owners in Singapore must possess. It covers the driver’s liability in the event that his/her fault in the accident is confirmed, and covers the costs of third party bodily injury and property damage. More information can be found at or their Youtube below.

The following are the immediate steps to be taken:

Step 1: Obtain all relevant information

After the accident, exchange particulars of involved parties including:

  • Telephone number
  • NRIC / FIN
  • Full Name
  • Address
  • The insurer and the policy number

You’ll need this information for the report and to file a claim to the third party’s insurer.

Step 2: Photograph everything

Collect as many pieces of evidence as possible to support your claim. Take photographs of your car’s damage, other vehicles involved in the accident, and the accident surroundings. You may also take video footage and try to obtain witness testimonies.

Step 3: Report the accident to your insurer

In Singapore, you are lawfully obliged to report ALL motor accidents within 24 hours of its occurrence or the next working day. Even accidents with minor or no car damage, or situations where you want to settle without making a third party claim singapore, must be reported.

Call your insurer to send you a towing truck if necessary, and ask any further questions you may have. There’s no excuse for not reporting a car crash, as it is now obligatory for every motor insurance company in Singapore to have a 24 hours hotline available. You can also report an accident in one of the insurer’s Approved Reporting Centers.

Not reporting the accident may result in:

  • Loss of your No Claims Discount upon your policy’s renewal time.
  • The insurer declining/ canceling your policy renewal.
  • The insurer refusing to reimburse your claim on the grounds that you have breached a policy condition by failing to report the accident. That means you would have to pay out of pocket for your car repair expenses and any additional third party claims.

Step 4: Arrange with the third party’s insurer for a pre-repair inspection

Contact the third party’s insurer and let them inspect your car’s damage before sending it for repair. The third party’s insurer has two working days to perform the pre-repair inspection after you have contacted them. You cannot start your car’s repair process until the pre-repair inspection is complete, or until the third party insurer has waived the right to the investigation. Learn more about pre-repair inspection requirements here.

Depending on whether the fault of the other driver is already confirmed or not, you may choose two different options for filing the claim.

If the other driver’s fault is established, you can bring your car to the third party insurer’s Approved Reporting Center / Authorized Workshop and make the necessary repairs there.

If the liability for the accident has not yet been confirmed, you can ask your own insurer’s APR to help you liaise with the third party insurer in your name.

Step 5: Proceed with the repair and claim

After the inspection is finished, and you have received a repair estimate cost, you can proceed with the repairs. Most likely, you would have to settle upfront the fee for the repairs with the workshop directly if the third party’s liability has not been confirmed yet.

However, if you have a police report that clearly states the other driver’s fault in the accident, and that you agreed with the third party’s insurer on the repair costs and compensation, you may proceed with the repairs without the need to pay upfront. The workshop will submit your claim against the third party’s insurance for you, assuming all documents are in place.

Other Useful Information:

Under the Motor Vehicle (Third-Party Risks and Compensation) Act, an insurer must comply with judgments made in favor of a third party following a motor vehicle accident.

A third party may also claim under the policy where the policy has been duly assigned to him by the Civil Law Act (Cap 43) (or the Marine Insurance Act for a marine insurance policy).

If you want to file a third party insurance claim in Singapore, you must follow a specific set of instructions; these are included in the Motor Claims Framework or MCF. Since 2008, it’s obligatory to report all, even minor motor accidents in Singapore – that’s in addition to having a valid third party insurance policy in place to drive a vehicle in Singapore legally.