FAQ

1. Check whether others are in need of assistance. Stay calm and keep your cool. If the vehicles won't obstruct the traffic, take photos of the accident scene, damaged vehicles, the surroundings and the position of the vehicles with your hand phone or digital camera before they were moved. Please check safety before you get off the car.
2. If no injury is involved, do drive your vehicle to the side of the road or somewhere safe. Take down the following information:
   • The number plates of all other vehicles involved
   • The names and addresses of the other driver(s) /owner(s)
   • Any witnesses and their contact details
   • The names of insurers for the other driver(s)
3. Avoid discussing liability, i.e. which party is at fault, with others involved in the accident, or their lawyers. Refer all communications from them to your insurer immediately.
4. Under the Motor Claim Framework (MCF) regulation, please go to your insurer's reporting centre to lodge a accident report within 24 hours or by the next working day.
5. If an accident involves injury, do not shift the car, call the police straight away. You must also make a police report within 24 hours of an accident involving:
   • Injury
   • Damage to a government vehicle or property
   • A foreign-registered vehicle
   • A hit-and-run vehicle
   • A pedestrian or cyclist
6. If there was only minor damages to both vehicles and both parties agreed to settle privately, they may proceed to their preferred workshop to get the necessary arrangement to do a private settlement. Hock Wah Motor provide such services as well.
7. Do not accept any offer by roadside touts offering free tow-truck services and referral to unauthorized workshops with free use of rental cars. They may compromise your claim. Insist on your decesion to proceed to your Insurer's authorized workshop or reporting centre for further assistance.

If you need towing or assistance from us, please kindly call our hotline 8339 6888.

• the Accident Vehicle
• Driver's NRIC (or Passport, Work Pass, Visit Pass)
• Driver's Driving License
• Insurance Certificate
• Owner's NRIC (if applicable)
• Police Report (if applicable)
• Photos of the Accident scene (if applicable)

Important Notice (from Sketch Plan)

1. Please report correctly the details of the accident to speed up the claims process.
2. The Sketch Plan must be completed by the Policyholder and/or the Authorised Driver.
3. Information provided must be as truthful and accurate as possible. Any wilful misrepresentation or withholding of material facts may allow insurance companies to repudiate policy liability.
4. The issue and acceptance of this Sketch Plan by insurance companies is not an admission of policy liability on the part of the insurance companies.
5. Any false reporting may be referred to the Police for investigation.
6. The report will be forwarded by the insurers of the GIA Records Management Centre established by the General Insurance Association of Singapore (GIA) for archiving and that copies of this report will for a fee be made available upon application by interested parties.
7. By the lodgement of this report to the insurers, you hereby consent to the archiving of this report at the centre and to copies of the report being made available aforesaid.

• NCD stands for No Claim Discount, it's also called NCB (No Claim Bonus). If you have not made any claims for a year or more, you're entitled to a NCD. And you may still be entitled to a NCD even if you have made a claim, provided you are not liable for the accident. The NCD reduces the policy premium for the following year. The following table shows how the NCD is set by all insurers across the industry.

• Before making any claims, please check whether the total repair costs incurred is likely to be lower than the current discounts / rebates on your premium (NCD), it is advisable not to claim the repair cost from your insurance. You're better off paying for the repairs yourself in the long run.
  Refer to the following table to know how much discount on the premium you get to enjoy after you have made any claims. (You'll lost 30% NCD if you make a single claim. Base on NO NCD Protector cover.)

• Insure against the loss of the NCD? (NCD Protector) If you have accumulated a 50% NCD (without a claim in five years), some insurers may allow you to buy protection against the loss of the discount.
  Please check with your insurer whether NCD cover is available. (Some insurers allow their clients to add on this benefit if their NCD is 40% and above.)
  By paying a small amount of extra premium, you can make one claim during the year, and still have the discount fully protected. The 50% NCD is protected as follows:

• Transfer of the NCD
  Your No Claim Discount is not transferable to any other person.
  However, your No Claim Discount can be transferred from one car to another, but it can't be applied to more than one vehicle at any point in time. For example, if you have accumulated a 50% NCD while using one vehicle, it does not follow that the same NCD applies to any other vehicle that you own or decide to buy. In other words, you will have to earn the NCD for each vehicle separately.
  In principle, the NCD applies to the owner only and not to the vehicle. For example, if you sell your vehicle and buy another one, you will retain your NCD. However, if you own more than one vehicle, you might have a different NCD for each vehicle. You should check the details with your insurer.
• You are a foreigner or expatriate coming to live in Singapore
  The NCD from your country is taken into consideration when you get insurance here in Singapore. You may entitle to a NCD if you can provide your insurer a letter or other certificate from your last insurance company in which stating that you have been insured over the last 12 months or the number of "claim-free" years.

• Excess, also called deductible, is to the first amount of the claim which the insured has bear. The insurer normally imposes some excess as this would serve as a form of co-insurance. With an excess, the insured would tend to be more careful because if a claims occur, the insured also has to fork out of his/her own pocket and contribute towards the claim. In general, the higher the excess, the more careful the insured would be and hence the lower risk of making a claim.
• Type of Excess:
1. Excess All claims
   It means the total excess applicable for every accident.
2. Excess - Damage claims
   Your insurance policy is divided into many sections. Normally, there are two kinds of sections: Section 1 and Section 2.
   • Section 1. The Excess in Section 1 means the excess applies to an own damage claim only. Take this scenario, if you see terms such as Excess: $500 (Section 1 Only) means the excess applies to an own damage claim only. That means, the insured hits another vehicle and his own damage is $5,000 and the third party's damage is $9,000, then the excess of $500 shall only apply to his own damage claim, ie the insured only pays $500 and the insurer pays $4,500 for his own damage of $5,000. As for the third party claim, the insurer would pay the full amount of $9,000.
   • Section 2. This section deals with Third Party Claims. So if there is an excess in this section, it means if there is any third party claim payable this excess shall apply. Take the scenario above as well, if you see terms such as Excess: $500 (Section 2) on the policy, the insured pays $500 and the insurer pays $4,500 for his own damage of $5,000; for the third party claim, the insured has to fork out also $500 while insurer would pay $8,500 for a claim of $9,000.
3. Young, Inexperienced and Elderly Drivers Excess
4. Unnamed Driver Excess
   Liable when claiming your own insurance to repair your accident vehicle, and the driver is not listed as Named Driver at the insurance policy.
5. Excess - Third Party (Property) Damage
   You can't claim your own insurance. The insurer will only cover the damage of other vehicles, property etc if you're liable for the accident.
• Some insurers might provide a option that you can choose higher Excess to reduce your insurance premiums. Please check with the insurer base on your driving experience and age.

In Singapore, it is against the law to drive a motor vehicle on the road without a valid insurance policy. Generally, insurers offers three main types of motor insurance coverage, optional benefits are available to meet your individual needs:

• Comprehensive
  It covers replacement or repair of your vehicle if it is damaged or lost as a result of theft, accident, vandalism or weather-related damage. It also covers accidental loss or damage to your car, its spare parts and accessories and liability of claims from third parties for damage to property and people.
• Third Party, Fire and Theft
  Besides covering injury and damage caused by your vehicle to someone else's vehicle or property, it also covers your vehicle if it is stolen or damaged by fire. Other causes resulting in loss or damage to the insured's own car is not covered.
• Third Party Only
  It only covers liability claims from third parties for injury and damage to their vehicle or property caused by your vehicle.
  It's advisable to cover under Comprehensive due to the fact that it covers not only Third Party coverage but your own damage when you are at fault due to an accident.

Majority of the cars in Singapore are covered by comprehensive policies. This is because the prices of cars are expensive, resulting in a need to insure the car owners against huge losses due to damage of their own car. Also, if your car is under financing, your finance institute would most probably require you to insure the car under a comprehensive policy. This is to avoid any loss incurred which may be too huge for the owner to bear (in cases whereby the driver is at fault and own damage claim is require).

If you have a comprehensive policy, we may recommend that you file an own-damage claim, i.e. a claim against your own policy, if unsure of which party might be at fault.

• Your insurer will settle your claim as soon as possible, after deducting your excess.
• Your NCD will not necessarily be adjusted.
• If your insurer successfully recovers your claim including your excess from the other party's insurer, your excess amount will be reimbursed to you eventually.

Direction to Bedok Branch (Block 3011 Bedok North Avenue 4, #01-2008/2010/2012, Singapore 489977)

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• By Bus 10, 9, 2 (Arrive at Bef Changi Fire Station [Stop ID: 85071] OR Flextronic [Stop ID: 85079])

• Driving Direction via PIE (toward Changi Airport)
1. Take exit 4A to merge onto Simei Ave
2. Turn right onto Upper Changi Rd
3. Turn right onto Bedok North Ave 4
4. Turn 1st right onto Bedok Industrial Park E
• Driving Direction via ECP (toward Changi Airport)
1. Take exit 2B toward Tampines
2. Merge onto Xilin Ave
3. Continue onto Simei Ave
4. Slight left onto Upper Changi Rd
5. Turn left to stay on Upper Changi Rd
6. Turn right onto Bedok North Ave 4
7. Turn 1st right onto Bedok Industrial Park E
• Driving Direction via TPE (toward PIE/Changi Airport)
1. Take exit 1B for TPE toward PIE/Changi
2. Merge onto Tampines Expy
3. Take exit 1 toward PIE/Bedok Town
4. Merge onto Upper Changi Rd E
5. Turn right onto Simei Ave
6. Slight left onto Upper Changi Rd
7. Turn left and then keep right to stay on Upper Changi Rd
8. Turn right onto Bedok North Ave 4
9. Turn 1st right onto onto Bedok Industrial Park E

Direction to Tampines Branch (Block 9006 Tampines Street 93, #01-204, Singapoer 528840)

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• By Bus 67, 59, 28, 21, 15, 8, 5 (Arrive at SAFRA Tampines [Stop ID: 75059] OR Opp SAFRA Tampines [Stop ID: 75051])

• Driving Direction via PIE (toward Changi Airport)
1. Take exit 4B to merge onto Simei Ave
2. Slight left onto Tampines Ave 1
3. Take the 1st left onto Tampines Street 92
4. Take the 2nd left to stay on Tampines Street 92
5. Turn right onto Tampines Street 93
6. Turn right onto Tampines Street 92
• Driving Direction via ECP (toward Changi Airport)
1. Take exit 2B toward Tampines
2. Merge onto Xilin Ave
3. Continue onto Simei Ave
4. Slight left onto Tampines Ave 1
5. Take the 1st left onto Tampines Street 92
6. Take the 2nd left to stay on Tampines Street 92
7. Turn right onto Tampines Street 93
8. Turn right onto Tampines Street 92
• Driving Direction via TPE (toward PIE/Changi Airport)
1. Take exit 2 toward Tampines Ave 7
2. Turn right onto Tampines Ave 7
3. Slight left onto Tampines Ave 2
4. Continue onto Tampines Ave 1
5. Turn left onto Tampines Street 92
6. Take the 2nd left to stay on Tampines Street 92
7. Turn right onto Tampines Street 93
8. Turn right onto Tampines Street 92