Motor Claims – General

What is an Insurance Premium?

An Insurance premium is the amount you pay for an insurance policy...

Motor Claims – General

What is a No Claim Discount (NCD)?

A NCD is a reward scheme for policyholders who do not make any claims over the duration of the policy for the year...

Motor Claims – General

What are the claim options available in the motor policy?

• Own Damage Claim
• Own Damage Not at Fault (OD-KFK Claim)
• Windscreen Claim
• Theft Claim
• Third Party Property Damage Claim
• Third Party Bodily... Learn More

Motor Claims – General

Do I need to list my child in my policy if they drive my car?

Yes, you do. If the driver is not listed in the policy and you need to make a claim, you may not be covered by...

Motor Claims – General

If I add a Private Hire Car endorsement to my Private Car policy, am I entitled to a refund if I cancel this endorsement?

You are entitled to a refund of the premium upon cancellation of your Private Hire Car endorsement on...

Motor Claims – General

What will happen to my NCD entitlement if I make an own damage claim?

Your NCD entitlement will be forfeited or drop to zero if you make an own damage claim...

Motor Claims – General

How would my NCD be affected if I make a claim?

If you make an Own Damage claim, Windscreen claim, Theft claim or a third party has made a claim against your policy...

Motor Claims – General

Can named drivers build up NCD?

No, NCD entitlement can only be accorded to the policyholder...

Motor Claims – General

Will I lose my NCD if I make a claim?

If you are making a No-Fault Own Damage claim, you will not lose your NCD entitlement...

Motor Claims – General

Why did my insurer pay my claim to the credit / leasing / hire-purchase company when I have paid the premium?

Your policy is subject to an endorsement 15 i.e. Hire Purchase. Under the Motor Policy, the credit/leasing/hire purchase company...

Motor Claims – General

What will P&O Insurance do when they receive my claim?

We will acknowledge your claim and liaise with the relevant parties i.e. you/your driver, adjuster and the police on the investigation. Our contact details...

Motor Claims – General

What if I am not satisfied with the action taken on the progress of my claim?

We welcome your views on any aspect of our service and if we fail to meet your expectations...

Motor Claims – General

Can I check my claim’s status without contacting my agent?

Yes. You can check your claim status through our website or app...

Motor Claims – General

How long do I have to make a claim?

You should contact us within 7 days of the date of accident/loss if you are not physically disabled...

Motor Claims – Own Damage (OD)

What should I do if I am involved in an accident?

Stay calm and lodge a police report within 24 hours, as is required by law. Then, you may call our hotline (1-800-88-2121) for further...

Motor Claims – Own Damage (OD)

What will I incur when making an Own Damage claim under my comprehensive policy?

You will have to bear a fraction of the repair charges if your vehicle is more than 5 years old and...

Motor Claims – Own Damage (OD)

What are the advantages of taking my car to a panel workshop?

If you select a workshop from our panel list, you’ll get better quality control on repairs and...

Motor Claims – Own Damage (OD)

I want to arrange my own towing and repair at a friend’s workshop. How can I make a claim?

For private cars, claims will not cover repairs done at non-panel workshops. Your vehicle must be sent to one of our panel workshops or...

Motor Claims – Own Damage Not At Fault (ODN /OD-KFK)

What is an Own Damage Not At Fault Claim?

While similar to an Own Damage claim, this claim does not forfeit your NCD. This claim can only be made when the accident...

Motor Claims – Own Damage Not At Fault (ODN /OD-KFK)

Who can make an Own Damage Not At Fault Claim?

All comprehensive private car policyholders can make this claim...

Motor Claims – Own Damage Not At Fault (ODN /OD-KFK)

What are the conditions for an ODN claim?

Your entitlement for an ODN claim is that you are not at fault in the accident. The determination of fault shall be at our...

Motor Claims – Windscreen

If my windscreen is insured and I am involved in an accident, can I make a claim?

You should first check your motor policy for windscreen cover. If this additional cover is included in your policy, you can claim for the...

Motor Claims – Theft

In the event of a theft, how long do I have to wait for my claim?

A theft claim may take around 6 or more months to process depending on the complexity of the investigation...

Motor Claims – Theft

What do I do if my vehicle is recovered?

If your vehicle has been recovered, do NOT take possession of your vehicle from any authority/party unless authorized by...

Motor Claims – Third Party Property Damage (TPPD)

What happens in a Third Party Property Damage Claim?

If you are at fault, the other party will make a claim against your insurance company...

Motor Claims – Third Party Property Damage (TPPD)

Can I claim for rental car expenses in a TPPD claim?

Yes, but it must be from a licensed car rental company. Please submit the receipt and...

Document Checklist

What are the basic documents required for my claim?

The basic documentary requirements that must be submitted within a reasonable time are as follows...

Document Checklist

Can I make more than one claim in the same year?

Yes, you can make more than one claim in the same year...

Document Checklist

I am not at fault and the third party did not lodge a police report, how can I file a claim?

You will have to file an Own Damage claim initially against your own policy as you have not fulfilled the criteria of an ODN claim...

Document Checklist

What should I do if my claim is rejected?

If your claim has been denied, you are entitled to an explanation by your insurance company. Should you find grounds to appeal this decision...