Claims tips – motor insurance

A: Whether you’re at fault or not, you should always report the accident to the police and your insurer immediately to protect your interest. Also remember to exchange information with the driver involved and take photos of your car and the other car involved to show damage.

*Only Comprehensive policy will provide coverage for own damage.

A: Yes. If your car is under repair due to a covered loss, our motor insurance policy will reimburse you for the costs of hiring temporary substitute vehicles, including rental cars OR taxi fees.* This benefit is applicable to the Comprehensive policy plan only.

*Please note that there is a sub-limit in place for this coverage, and arrangement of car rental should be made through our 24-hour emergency hotline at +852 2886 3977.

A: Yes. We will reimburse you for the reasonable medical expenses resulting from an accident involving your car. This includes injuries sustained by you, the driver, or any passengers as a direct result of the accident.*

*Subject to policy terms and conditions. Please note that there is a sub-limit in place for this coverage.

A: You should immediately report the incident to the police and obtain a police report. You should also submit a claim to us, whether you have comprehensive insurance or third-party only insurance, and regardless of who is at fault.

If you have comprehensive insurance, we will handle the claim for your own vehicle damage even before the release of the police investigation or court results.

If you only have third-party insurance, you can decide when to repair your car and whether you want to make a claim against the third party.

A: If you’ve been involved in a car accident, here’s what to do next:

1. Call the police immediately. If someone has been hurt, call the ambulance.
2. Leave the car and step away to a safe location.
3. If conditions allow, please take photos or videos of the accident scene in a safe location.
4. Move the vehicle only if the police arrived and given instructions (if you have comprehensive insurance, call our 24-emergency hotline for cashless roadside assistance).
5. Get in touch with us with the information you’ve gathered at the scene as soon as possible.

For more details on the required documents, please refer to the Q&A: “What are the supporting documents for reporting a claim?”.

A:

1. Original Letter of Consent signed by the involved driver;
2. Details of the accident;
3. Use of the insured vehicle at the time of the accident;
4. Copies of valid vehicle registration documents (both front and reverse sides);
5. Copies of driver's ID and driving licence;
6. Documentation to verify that the driver has more than two years of driving experience (e.g. overseas driving licence or probationary driving licence);
7. Copy of the Breath Screening Test result. Please provide a written declaration if the police did not request the driver to take the test;
8. Photographs related to the accident (if any);
9. Car camera footage related to the accident (if any);
10. Copy of vehicle repair quotation (the quotation should be provided to and approved by our company before repair works are carried out);
11. Details of the third-party vehicle (if applicable):
1. Name and contact number of the third-party vehicle driver;
2. Insurance company information of the third-party vehicle;
12. Police reference number (RN number) and the Notice of Intended Prosecution (if any).

If the accident involves third party property damage/bodily injury, please also provide the copy of any claim(s)/summon(s)/correspondences from the third party.

A: Upon receiving your repair quotation, we will appoint a motor surveyor to conduct site inspection and review the repair quotation.

A: If your car is stolen, you should report the incident to the police and the insurer immediately. We will assist you through each step of the claim process.

A: If the windscreen of your vehicle is damaged, you can arrange for the repair/replacement service by appointment. Once confirmed, you can drive the car to the designated network garages to enjoy cashless windscreen service.*

Please click here to view the details.

*Subject to the plan coverage, as well as the policy terms and conditions.

A: Our Garage-Pro service network offers a variety of services including cleaning, maintenance and repairs. If your private car is insured by Zurich, you can enjoy the following services at designated service centers:

• Depreciation free repairs*
• Free delivery of your repaired car
• 18 months warranty on parts and workmanship
• Germagic cabin coating
• Standard car wash
• Standard interior cleaning

For more details, please click here to view value added services.

*This item is provided by Zurich Insurance Company Ltd, subject to policy terms and conditions.