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How to claim on your motorcycle insurance. Full details.
Here’s a step-by-step guide on what you should do if you are involved in a motorcycle accident:
- Remain calm and do not panic.
- Check if anyone is injured - if there is personal injury, call 995 for ambulance or 999 for police assistance. You are only required to report the accident to the police if someone is injured in the accident or if it involves government/foreign vehicles, government property, cyclists or pedestrians.
- Do not move your vehicle unless necessary, especially if there are personal injuries involved.
- Take photographs of the accident scene and damaged vehicles/property.
- Exchange the following information and particulars with the other parties involved (including witnesses):
- a. Vehicle Registration Number
- b. Name/Address/NRIC
- c. Contact Number
- d. Insurer
- Do not admit any liability, whether verbally or in a written form.
- Report the accident to your insurer within 24 hours of the accident.
Budget Direct Insurance customer?
Then report the accident at any of our Authorised Workshops or Accident Reporting Centres within 24 hours of the accident or by the next working day. Click here for the list of Budget Direct Insurance Car Authorised Workshops or Motorcycle Accident Reporting Centres.
Need a tow or some assistance?
Wait for a tow truck assigned by Budget Direct Insurance to tow your vehicle – you should not accept help from any other towing service providers.
What is the time frame for me to report an accident and what documents are required for accident reporting?
The rider involved in the accident must report personally within 24 hours or the next working day, with a copy of his/her driving licence and NRIC, to any Accident Reporting Centre. The motorcycle must be present at the time of reporting.
How do I make a claim against the other party’s insurer?
After reporting the accident at our accident reporting centre, they will be able to assist you to make a claim, or you may proceed to any workshop of your choice to file a third party claim.
Do I need to inform Budget Direct Insurance if I privately settle the accident with the other party?
Yes, you are required to file an accident report at our accident reporting centre for each and every accident even if there is a private settlement with the other party.
The purpose of informing us is to safeguard you from any claims that might arise from the accident and we will be able to defend you against any legal proceedings. You still need to lodge an accident report for any accident you are involved in. Click here for a copy of Budget Direct Insurance Private Settlement Form.
How do I make a claim against a foreign vehicle?
You are required to lodge a police report at, or near the place of accident. If you are not liable for the accident, you may choose to either claim under your own policy and we will recover all amounts paid from the insurer of that vehicle or you may proceed to any workshop of your choice to file a third party claim.
What should I do if I am involved in an accident outside Singapore?
You are required to report the accident to the local police. If your motorcycle is damaged or it is no longer safe for you to ride your motorcycle, we will assist to arrange towing services to bring your motorcycle back to Singapore.
If it is safe for you to ride your motorcycle, you may report the accident to any of our accident reporting centres upon your return.
You can go to any workshop of your choice for all accident repairs
Regarding theft overseas, you are required to report the theft of your motorcycle to the local police and proceed to any of our accident reporting centres to lodge an incident report.
For more answers to your insurance questions, - PLUS motoring analysis, news and tips, look out for regular posts in this series.