Uni.Asia General Insurance - Lodging A Claim

In general, there are 5 categories of motor claims:
- Own Damage (OD)
- Theft
- Windscreen
- Third Party Property Damage (TPPD)
- Third Party Bodily Injury (TPBI)

1. OWN DAMAGE/OWN DAMAGE KNOCK FOR KNOCK (ODKFK -WITHOUT THE LOSS OF NCB) CLAIM
If the policyholder intends to make a claim, the policyholder has to make a report with the police within 24 hours of the accident and notify Uni. Asia within 7 days.

The damaged vehicle will have to be sent to one of Uni.Asia’s panel workshops for immediate attention. Click here for a list of Uni.Asia's panel workshops.

The policyholder will have to call Uni.Asia’s nearest branch and complete a Motor Accident Report Form, declaring of any ODKFK claim, and submit the required documents within 7 days of the accident.

Documents required for an OD Claim:

- Police report
- Repair estimate from workshop
- A copy of policyholder's insurance policy or cover note
- Vehicle registration document (‘log book’)
- Road tax disc
- Identity card of policyholder and driver
- Driving license of driver
- Hire purchase agreement, if applicable
- Summons letter, if compounded by the Police

The policyholder should be reminded not to enter into any claim negotiations with the other party without the consent of the insurer. The policyholder must also be reminded not to admit liability in any circumstances as it may prejudice the right of the insurer in terms of settlement with the other party.

Upon receipt of the full documentation from the policyholder, the Uni.Asia branch concerned will register the claim.

The panel workshops will send vide the GTS Claims Estimation System (GTS) the images of the damaged vehicle. An in-house adjuster will be assigned to receive the estimate sent in by the workshop and they will authorise the repairs within 24 hours after reviewing the estimate and parts adjustment.

Once the claims executive has approved the repairs online, the estimate is transmitted back via the system and the workshop will commence with the repairs. If the claims estimate exceeds RM7,500, independent adjusters will be appointed to conduct an OD Survey and the claim will be subjected to re-inspection before spray painting by the appointed independent adjusters.

When the workshop has completed the repairs, the car will be released to the policyholder once a discharge voucher is signed, confirming his satisfaction with the repairs carried out.

Uni.Asia General will remit the payment to the workshop via interbank giro transfer, 45 days after the receipt of the final bill and discharge voucher.

2. THEFT CLAIM
If the vehicle is stolen, and the policyholder has comprehensive cover, the policyholder can make a claim by completing a Motor Loss Form at the nearest Uni. Asia branch within 3 days from the loss.

The following documents have to be submitted:

- Police report
- Copy of policyholder's insurance policy or cover note
- Vehicle registration document (‘log book’)
- Identity card of policyholder and driver
- Driving licence of driver
- Hire purchase agreement, if applicable
- All keys for the lost vehicle

The branch will register the claim and conduct an in-house interview using the appropriate interview forms or appoint an independent adjuster to investigate the theft where there are any areas of dispute. The policyholder will be notified of the appointed adjuster.

The policyholder will personally have to get a report from the Police on the results of their own investigation of the theft. [No Further Action]

A claim for theft will be approved after 3 months from the date of the claim, provided a No Further Action (NFA) report is received from the Police. The policyholder will have to personally obtain the report from the Police. If a report is not available from the Police, the theft claim will be settled within 180 days, as provided in the Guidelines by Bank Negara Malaysia.

A discharge letter will be sent to the policyholder. It has to be signed by the policyholder and the Finance Company. It has to be stamped with a RM10 stamp duty and returned to Uni.Asia. Uni.Asia will pay the claim within 7 days.

If there are loan repayments for the vehicle, the finance company will also have to endorse the discharge letter, and the payment will be made directly to the finance company.

Uni. Asia has to be notified if the vehicle is recovered in order to inspect the vehicle for any damages. The appointed adjuster will have to inspect the vehicle before removal to Uni. Asia’s Depot.

Once the repairs are completed, the car will be released to the policyholder once the policyholder signs a discharge letter.

3. WINDSCREEN CLAIM
The policyholder can make a claim if the vehicle has a comprehensive cover inclusive of the additional premium for the windscreen cover. The vehicle needs to be sent to the nearest Branch if drivable or the policyholder may take his vehicle to the nearest panel workshop to repair the damaged windscreen.

The policyholder will have to complete a Windscreen Report Form, which can be obtained from the nearest Uni. Asia branch, and submit the following documents:

- Photographs of damaged windscreen
- Repair bill if windscreen is already repaired

If the documents submitted are complete and adequate, all windscreen claims will be subjected to vetting by the Technical Department and the actual cost to replace the windscreen will be approved and offered.

The approval letter will be prepared by the respective Regions and the offer will be sent out within 7 days from the receipt of the complete documentation.

The payment via cheque will be posted to the policyholder within 7 days from the receipt of the signed discharge voucher.

4. THIRD PARTY PROPERTY DAMAGE (TPPD)
We are in the process of updating this page! Please check back soon.

5. THIRD PARTY BODILY INJURY (TPBI)
A third party bodily injury claim is a claim made against the insurer of the negligent party for injuries incurred by the policyholder.

The following process is to be observed when making a claim against the third party insurer:

-	The policyholder will have to lodge a Police report within 24 hours of the accident and notify Uni.Asia’s nearest branch within 7 days.
-	The policyholder will have to obtain a medical report and retain the medical bills of the treatment for submission to the third party insurer.
-	The policyholder will also have to notify the other party’s insurer in writing of his intention of making a claim. If the insurer is not known, the policyholder will have to obtain details of the insurer by making a search at JPJ.
-	The third party insurer will request documents to support the claim.
-	The third party insurer will process the claim and contact the policyholder to offer a settlement.
-	If there is a dispute on the settlement figure, the policyholder should seek clarification from the third party insurer or seek advice from a solicitor. The costs of engaging a solicitor will be borne by the policyholder personally.

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