Claims Process

Claims Process

At Zurich, we believe in making your claims process as easy and as hassle free as possible.

All that we ask in return is that you notify us immediately, or as soon as practically possible, of any potential claims so that we can assist you with your claim without delay.

General Insurance Claims

  • Motor (Own Damage)

    Just got yourself into a motor accident? Here's what you need to do:

    Step 1

    call

    Call our 24-hour Roadside Assistance at 1-300-88-6222 to help you on getting your vehicle to any authorised or panel workshop

    Take photos of the accident scene.

    Make police report within 24 hours.

    Step 2

    submit

    Submit all required documents to the authorised or panel workshop within 7 days from the date of incident.

    • Police Report
    • Copy of Insured’s and / or Driver’s Driving License
    • Copy of Insured’s Identity Card or Business Registration Card
    • Copy of Driver’s Identity Card
    • Copy of Vehicle Registration Card or Vehicle Ownership Certificate
    • Copy of Policy Schedule or Cover Note (for workshop’s verification)

    Sign on the Zurich claim form provided to you by our panel workshop.

    Step 3

    full documents

    Upon receipt of full documents, the authorised or panel workshop will submit your claim to Zurich for processing within 3 working days*

    You may check your claim status here (for Private Cars and Commercial Vehicles only).

    Step 4

    sms

    Look forward to receiving an SMS at the point of successful registration and approval.  

    The authorised or panel workshop will contact you as soon as your vehicle is ready for collection.

    Note: Duly completed and signed Motor Accident Claim Form is required for submission if your vehicle is sent to a non-panel workshop. We may also request for additional documents or information if further investigation is required.

    *Excluding claims under further investigation and claims with severe vehicle damage.

    Read about Our Promise to You
  • Motor (Theft)

    Just realised that your vehicle has been stolen? Here’s what you need to do:

    Step 1

    police report

    Make a police report within 24 hours.

    Step 2

    submit

    Submit all required documents to any Zurich General Insurance branch within 7 days from the date of incident.

    • Duly completed and signed Theft Claim Form
    • Police Report
    • Copy of Insured’s and / or Driver’s Driving License
    • Copy of Insured’s Identity Card or Business Registration Card
    • Copy of Driver’s Identity Card
    • Copy of Vehicle Registration Card or Vehicle Ownership Certificate

    Step 3

    full documents

    Upon receipt of full documents, Zurich will be in touch with you as part of the processing procedures.

    For Agreed Value policy, we shall get back to you on the claim decision within 21 working days*.

    For Non Agreed Value policy, this shall be within 48 working days*.

    Note: We may request for additional documents or information if further investigation is required.

    *Subject to the outcome of the investigation.

    Read about Our Promise to You
  • Motor (Windscreen)

    Broken windscreen? Here’s what you need to do:

    Step 1

    documents

    Prepare all required documents before proceeding to our recommended authorised or panel workshop / windscreen specialist.

    • Copy of Insured’s and / or Driver’s Driving License
    • Copy of Insured’s Identity Card or Business Registration Card
    • Copy of Driver’s Identity Card
    • Copy of Vehicle Registration Card or Vehicle Ownership Certificate
    • Copy of Policy Schedule or Cover Note (for workshop’s verification)

    Step 2

    24 hours windscreen repairs

    Bring your vehicle to any of our authorised or panel workshop / windscreen specialist for a 24-hour windscreen repair or replacement*

    Sign the Zurich claim form provided to you by our authorised workshop / windscreen specialist.

    Step 3

    pay nothing

    Got it fixed at our authorised or panel workshop / windscreen specialist?

    Great! You can check-out your vehicle without paying a single cent**

    Note: Duly completed and signed Windscreen Claim Form is required for submission if your vehicle is sent to the non-panel workshop.

    *Subject to the availability of the parts.
    **Provided your windscreen is adequately insured.
    Read about Our Promise to You
  • Non-Motor Claims

    Step 1

    police report

    Make a police report within 24 hours for the following types of claims*:

    • Incidents where there is evidence of a criminal act
    • Involving foreign workers’ compensation due to fatal/motor accidents, (loss of) money, personal accident or public liability

    Step 2

    documents

    Prepare all required supporting documents

    Kindly note that the following list of required documents may not be exhaustive. You may talk to us regarding your claims by writing in to us.

    Step 3

    notify zurich

    Kindly notify us through one of the following channels below:

    *Disclaimer: We may also request the police report for claims which are not listed above if deemed necessary.

    CLASS OF INSURANCE SUPPORTING DOCUMENTS REQUIRED
    Burglary
    • Police report
    • List of items you are claiming for along with the purchase and sales invoices, stock records, cash receipts, collection records, bank statement, etc.
    Fire
    • Police report
    • Fire brigade report
    • Chemist report (in certain cases)
    • Purchase and sales invoices, stock records, company balance sheets, bank statements, quotation for repairs / replacement, etc.
    Marine
    • Claim bill
    • Original policy
    • Original Bill of Lading
    • Packing list, outward and inward survey reports, commercial invoices, tally sheets
    • Correspondence exchange with Port Authority, Carrier and Shipping Sales Advisor, etc.
    Personal Accident Injury or Permanent Disablement:

    • Original medical bill & receipts
    • Medical report and/or specialist report
    • Medical certificate
    • Police report and valid driving license; if related to a motor vehicle accident
    Fatal:

    • Death certificate
    • Post mortem report
    • Police report and valid driving license; if related to motor vehicle accident
    • Beneficiary identity card
    • Marriage certificate (if married) or birth certificate (if single), etc.
    Travel To download the Travel Insurance Claim forms, please click here.
    Foreign Workers' Compensation Scheme Injury or Permanent Disablement:

    For accidents within working hours:

    • Labour assessment (PP5 for Injury, PP6 for Permanent Disablement)
    • Original medical bill & receipts
    For accidents outside working hours:

    • Accident form (PP2)
    • Original medical bill & receipts
    • Medical certificate
    • Medical report (Lab 90) and/or specialist report
    • Passport
    • Work permit
    Fatal:

    • Accident Form (PP2)
    • Labour assessment (PP7)
    • Death certificate
    • Original repatriation bill & receipts
    • Airway bill
    • Passport
    • Work permit
    • Police report, etc.
    Read about Our Promise to You

General Takaful Claims

  • Motor (Own Damage)

    Just got yourself into a motor accident? Here's what you need to do:

    Step 1

    call

    Call our 24-hour Roadside Assistance at 1-300-88-6222 to help you on getting your vehicle to any authorised or panel workshop

    Take photos of the accident scene.

    Make police report within 24 hours.

    Step 2

    submit

    Submit all required documents to the authorised or panel workshop within 7 days from the date of incident.

    • Police Report
    • Copy of Person Covered's and / or Driver’s Driving License
    • Copy of Person Covered’s Identity Card or Business Registration Card
    • Copy of Driver’s Identity Card
    • Copy of Vehicle Registration Card or Vehicle Ownership Certificate
    • Copy of Certificate of Takaful or Cover Note (for workshop’s verification)

    Sign on the Zurich claim form provided to you by our panel workshop.

    Step 3

    full documents

    Upon receipt of full documents, the authorised or panel workshop will submit your claim to Zurich for processing within 3 working days*

    You may check your claim status here (for Private Cars and Commercial Vehicles only).

    Step 4

    sms

    Look forward to receiving an SMS at the point of successful registration and approval.  

    The authorised or panel workshop will contact you as soon as your vehicle is ready for collection.

    Note: Duly completed and signed Motor Accident Claim Form is required for submission if your vehicle is sent to a non-panel workshop. We may also request for additional documents or information if further investigation is required.

    *Excluding claims under further investigation and claims with severe vehicle damage.

    Read about Our Promise to You
  • Motor (Theft)

    Just realised that your vehicle has been stolen? Here’s what you need to do:

    Step 1

    police report

    Make a police report within 24 hours.

    Step 2

    submit

    Submit all required documents to any Zurich General Takaful branch within 7 days from the date of incident.

    • Duly completed and signed Theft Claim Form
    • Police Report
    • Copy of Person Covered's and / or Driver’s Driving License
    • Copy of Person Covered’s Identity Card or Business Registration Card
    • Copy of Driver’s Identity Card
    • Copy of Vehicle Registration Card or Vehicle Ownership Certificate

    Step 3

    full documents

    Upon receipt of full documents, Zurich will be in touch with you as part of the processing procedures.

    For Agreed Value certificate, we shall get back to you on the claim decision within 21 working days*.

    For Non Agreed Value certificate, this shall be within 48 working days*.

    Note: We may request for additional documents or information if further investigation is required.

    *Subject to the outcome of the investigation.

    Read about Our Promise to You
  • Motor (Windscreen)

    Broken windscreen? Here’s what you need to do:

    Step 1

    documents

    Prepare all required documents before proceeding to our recommended authorised or panel workshop / windscreen specialist.

    • Copy of Person Covered's and / or Driver’s Driving License
    • Copy of Person Covered’s Identity Card or Business Registration Card
    • Copy of Driver’s Identity Card
    • Copy of Vehicle Registration Card or Vehicle Ownership Certificate
    • Copy of Certificate of Takaful or Cover Note (for workshop’s verification)

    Step 2

    24 hours windscreen repairs

    Bring your vehicle to any of our authorised or panel workshop / windscreen specialist for a 24-hour windscreen repair or replacement*

    Sign the Zurich claim form provided to you by our authorised workshop / windscreen specialist.

    Step 3

    pay nothing

    Got it fixed at our authorised or panel workshop / windscreen specialist?

    Great! You can check-out your vehicle without paying a single cent**

    Note: Duly completed and signed Windscreen Claim Form is required for submission if your vehicle is sent to the non-panel workshop.

    *Subject to the availability of the parts.
    **Provided your windscreen is adequately insured.
    Read about Our Promise to You
  • Non-Motor Claims

    Step 1

    police report

    Make a police report within 24 hours for the following types of claims*:

    • Incidents where there is evidence of a criminal act
    • Involving foreign workers’ compensation due to fatal/motor accidents, (loss of) money, personal accident or public liability

    Step 2

    documents

    Prepare all required supporting documents

    Kindly note that the following list of required documents may not be exhaustive. You may talk to us regarding your claims by writing in to us.

    Step 3

    notify zurich

    Kindly notify us through one of the following channels below:

    • Submit your claim online or,
    • Head over to any of our
      Zurich General Takaful branches with completed claim form and other supporting documents or,
    • Talk to your respective servicing agent.
    *Disclaimer: We may also request the police report for claims which are not listed above if deemed necessary.

    CLASS OF INSURANCE SUPPORTING DOCUMENTS REQUIRED
    Burglary
    • Police report
    • List of items you are claiming for along with the purchase and sales invoices, stock records, cash receipts, collection records, bank statement, etc.
    Fire
    • Police report
    • Fire brigade report
    • Chemist report (in certain cases)
    • Purchase and sales invoices, stock records, company balance sheets, bank statements, quotation for repairs / replacement, etc.
    Marine
    • Claim bill
    • Original certificate
    • Original Bill of Lading
    • Packing list, outward and inward survey reports, commercial invoices, tally sheets
    • Correspondence exchange with Port Authority, Carrier and Shipping Sales Advisor, etc.
    Personal Accident Injury or Permanent Disablement:

    • Original medical bill & receipts
    • Medical report and/or specialist report
    • Medical certificate
    • Police report and valid driving license; if related to a motor vehicle accident
    Fatal:

    • Death certificate
    • Post mortem report
    • Police report and valid driving license; if related to motor vehicle accident
    • Participant's identity card
    • Marriage certificate (if married) or birth certificate (if single), etc.
    Travel To download the Travel Insurance Claim forms, please click here.
    Foreign Workers' Compensation Scheme Injury or Permanent Disablement:

    For accidents within working hours:

    • Labour assessment (PP5 for Injury, PP6 for Permanent Disablement)
    • Original medical bill & receipts
    For accidents outside working hours:

    • Accident form (PP2)
    • Original medical bill & receipts
    • Medical certificate
    • Medical report (Lab 90) and/or specialist report
    • Passport
    • Work permit
    Fatal:

    • Accident Form (PP2)
    • Labour assessment (PP7)
    • Death certificate
    • Original repatriation bill & receipts
    • Airway bill
    • Passport
    • Work permit
    • Police report, etc.
    Read about Our Promise to You

Life Insurance Claims

If you are our Life Insurance policy holder, you may talk to us regarding your claims by writing in to us.

You'll need to attach certain documents to complete your submission.

To download the forms and list of required documents for Life Insurance Claims, please click here.

Read about Our Promise to You

Family Takaful Claims

If you are our Family Takaful certificate holder, you may talk to us regarding your claims by writing in to us.

You'll need to attach certain documents to complete your submission.

To download the claims forms, please click here.

Important Notice

1. The list of requirement documents for Family Takaful Claims serves as a guideline for claims submission. We may request for more information or documents, if deemed necessary.

2. Hospitalisation & Surgical claims must be submitted to us within thirty (30) days after hospital discharge.

3. Accident Rider claims must be submitted to us within ninety (90) days after the date of termination of loss.

4. Wanita Illness claims must be submitted within six (6) months after the date of initial diagnosis of an illness or new birth.

5. The following parties are authorised to certify your claims documents:

  • Zurich Takaful Officer
  • Judge
  • Magistrate
  • Solicitors
Read About Our Promise To You