Car Accident in Singapore? Steps for Your Insurance Claim

An accident is stressful, but knowing the steps makes the insurance claim much smoother. This is a general guide — always check your own policy terms.

1. Stay safe and exchange particulars

Move to safety if you can. Exchange names, contact numbers, vehicle numbers and insurance details with the other driver. If anyone is injured, call 995 for an ambulance and 999 for the police.

2. Take photos

Photograph both vehicles, the damage close up, number plates, the road and any traffic signs. Dashcam footage is very useful — save a copy.

3. Report the accident to your insurer

Under Singapore’s Motor Claims Framework, you’re generally required to report an accident to your insurer within 24 hours or by the next working day, even if you don’t plan to claim. Late reporting can affect your claim or your no-claim discount.

4. Check your workshop requirements

Some policies let you repair at any workshop; others require an insurer-approved workshop. Check your policy before booking the repair so your claim isn’t affected.

5. Get the damage assessed

Bring the car in for an assessment. We work with all insurers in Singapore on third-party claims — we’ll document the damage, prepare the paperwork and liaise with the insurer on your behalf.

Need help now?

WhatsApp us photos of the damage and your policy details, and we’ll guide you through the next steps.