Third Party Claims

Can my insurer assist me to file a third party claim?

As an industry practice, an insurer will not act on your behalf to file a third party claim.
Therefore, you are encouraged to lodge a damage claim under your own policy. After you have been indemnified, your insurer will commence recovery against the other driver’s insurer if it can be proven that the driver is fully liable for the accident. Your insurer will not dock your No Claim Discount at next renewal if recovery is successful.

Can the GIA help claimants who encounter difficulties when filing damage claims with third party insurers.

The GIA can only assist claimants by providing guidance and instructions on what they can do or where they can seek recourse under such circumstances. We do not provide mediation services between consumers and our member companies. Instead, claimants should approach the insurer concerned directly, or the Financial Industry Disputes Resolution Centre Ltd (FIDReC)


Why are the third party claim costs so high despite the car looking in good condition?

High third party claim costs could be due to one of the following reasons:

  1. There may be hidden damage not visible externally.
  2. Damaged items are replaced instead of repaired for newer cars.
  3. Besides the repair costs, the claim costs could include legal fees, loss of use and third party survey fees.


If I have made a third party claim, how can I ensure that my claim is settled faster?

Generally, third-party damage claims are settled within six months. For more complex cases, insurers will need more time for investigations.

You can assist in speeding up your claim processing by providing the following to the insurer:

  • Accident report, Police report
  • Information regarding the accident scene, including photographs, videos and other evidence
  • Any other documents supporting your claim

You may contact the insurer involved to follow up on the status of your claim. If the processing time exceeds the usual period, it is likely that the insurer is further investigating the case before deciding on your claim.


I have appointed my lawyer/workshop/representative to handle my third-party claim. How do I find out more details about the settlement sum of my claim against a third party?

You may contact your appointed representative. They will be able to provide you with details of the settlement sum.