Dear Kayerthri,
My apology for the delay in replying to you. I need more information like which Myvi 1.3 model and year made and your NCD entitlement level. It will be good idea if you can forward a copy of the car registration card of previous insurance cover note for our quotation to you.
]]>Dear Sir/Madam,
I humbly apologise for delay in replying to your question. In general, most insurers in the policy contract stated the accidents and claims procedures for covered terms and conditions for claim processing similar to “We must be notified in writing or by phone in either case with particulars of the vehicles involved, date of accident, and, if possible, a brief description of the circumstances of the accident within the specific time frame as follows after an event which may become the subject of a claim under this policy: – (a) Within seven (7)) days if you are not physically disabled or hospitalised following the event; (b) Within 30(30) days or as soon as practiceable if you are physically disabled and hospitalised as a result of the event; (c) Other than (a) or (b), a longer notification period may be allowed subject to specific proof by You.”. Therefore, your question on submission of a claim for replacement of windscreen is subject to condition (c) which required your specific proof for the delay of 6 months after breakage. You need to write to your insurer to explain why the delay and if it is reasonable and acceptable by the insurer, they may allow it if the claim is genuine.
As to paying additional premium for reinstatement cover of RM5,000, the amount is 15% of RM5,000 or RM750 plus Goods and Services tax(GST) of 6% for the remaining periods, You will have to decide the risks taking for that period to commensurate with cost. In some situations, we have came across that clients would rather take the risks upon themselves where the remaining periods were just a few weeks or a month or two from their next annual policy renewal dates.
The delay can be due to the time taken to order for the specific windscreen which the repair workshop do not have for your car model or that you have taken some reasonable steps such a lodging a police report at the point of breakage but have not been able to send it for repair at your local workshop as they do not have the parts which are genuine that you insisted. Other than that, insurer may not honor your claim as it may cast doubts about a possible attempted fraudulent claim if the evidence are not supported.
From the benefit of our discussions, we like to share with visitors, first and foremost, at the incident of windscreen breakage due to other than road accident collisions, the insured should immediately inform the insurer through its agent in writing or through phone or communicate verbally if the agent was present. The next thing to do is to snap a picture of the windscreen on the spot showing the breakage before repair and the four angles of the whole vehicle and the milage or kilometer reading on your speedometer dashboard. If there is a nearby panel car repairer workshop or car windscreen repairer workshop appointed by the insurer with PIAM certification, the procedure for claim is simply driving it or having it towed to that panel workshop to lodge a claim. You can arrange with the panel workshop to have them assess the damage and take the pictures while you arrange to submit the copy of your car registration card, driving license and identity card to them. They will help you submit the claim form to your insurer and get their quotation approved by your insurer before they proceed to repair or replace it. In this situation, the requirement for police report may be dispensed with. If the insured choose to go to a non-panel car/windscreen repairer, you will need to get the workshop to help you snap pictures as mentioned above of the before and after repair and give you their invoice and official receipt. Make sure you go to the nearest police station to lodge a report of the windscreen breakage and get a copy of the report for your claim submission before you send for repair or replacement. You also need to go to the insurer to get the claim form to complete and submit all documents mentioned and pictures as evidence for your claim.
Should your claim be rejected innocently, you should contact your insurer to find out the reason and appeal to them if it is a genuine mistake and delay beyond your control as long as you have all records such as your immigration records on your passport to show you were away from the country on employment and business related assignments immediately after the incident or that you are not aware that you actually have a windscreen cover in your renewal policy all along since policy inception from day one and etc. Any unsatisfactory explanation is likely to be rejected as insurer have valid reasons to belief it could be a fraudulent claim. Such instances are not unheard off in the past due to unethical practices and collusion by parties involved. With today’s professionalism in the insurance industry, stricter compliance to regulatory requirements and high level of trust and security, most fraudsters are weeded out.
Thank you.
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