Claims
MOTORCYCLE INSURANCE
TRAVEL & LEISURE
PERSONAL ACCIDENT
Vehicle
What to do when accident happens
  1. Stay calm and not be angry. Move to somewhere safe and check if anyone requires assistance.
  2. Do not admit liability, sign any promissory note agreeing to pay for damages or allow any towing service to take your vehicle away.
  3. Obtain details of third party and any witness(s) i.e. name, NRIC number, address, contact number, vehicle number and name of third party’s insurer. Take photos of accident scene. Where possible, show the extent of damage to each vehicle and positions of both vehicles. Keep any video clips showing how accident happens as proof of evidence.
  4. Contact at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.
  5. Important: Under the Motor Claims Framework introduced by the General Insurance Association (GIA), you are required to file a GIA report within 24 hours of the accident regardless of whether you intend to claim on your own car policy or not, or whether your vehicle is damaged or not.
When to make a police report
Do make a police report in the following situations:
  • Any party is conveyed by ambulance to hospital or given 3 days’ outpatient medical leave
  • Government or foreign registered vehicles are involved
  • Government property is damaged (e.g. lamp post, tree)
  • A cyclist or pedestrian is involved, whether injured or not
  • Vehicle is stolen or vandalized
In the event of a vandalism or windscreen claim (accident or non-accident)
Contact at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for finding the best workshop or glass specialist to repair your vehicle.
In the event of a non-traffic accident (e.g. flood, fire or theft)
Contact at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.
Other Frequently Asked Questions
  • Why do I have to lodge an accident claim report?
    It is important for you to report within 24 hours so that we can handle your claim quickly without delay. It is a breach of policy condition for non-reporting and this may lead to repudiation of liability which means that you do not get protection under your policy. In addition, any non-compliance of this policy condition will result in a loss of your No-Claim Discount (NCD) upon renewal of your policy.
  • If I have no intention of making any claim or my vehicle is not damaged, do I still have to report the accident?
    You should make a report for record purpose.  If there is no claim submitted against you, your No-Claim Discount (NCD) will not be affected.
  •  I received a Writ of Summons from the third party, what do I do?
    Please submit the document immediately to Liberty Insurance as there is a timeline of 8 days for us to respond quickly with the appropriate action.
  • I have settled the claim with the third party, should I inform Liberty on details of the private settlement?
    Yes, please furnish details of the private settlement to Liberty for recording purposes.
  • How do I make a third party claim against the other vehicle?
    If you are involved in an accident but the third party is fully at fault, you may wish to claim against the other party for your losses. If the other party is fully at fault, the workshop will repair your vehicle and claim on your behalf. Just contact at 1800-LIBERTY (5423 789) for receiving guidance and information and for finding the best workshop to repair your vehicle.
  •  Do I have to report all accidents to the Traffic Police?
    In case of accident involving injuries, government vehicle, government property, a cyclist or pedestrian or a foreign vehicle, please report the accident to the Traffic Police. Otherwise it is not necessary to report to the Traffic Police.
  •  What is the claims procedure if I have an accident in Malaysia?
    Please lodge a police report in Malaysia and, upon your return contact at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.
  • What is a third party policy excess?
    In the event that there is a claim and a settlement under your policy, you will have to pay the third party policy excess subject to the policy terms and conditions.
Travel
How to file a travel claim

Please duly complete, print and send the following form to us with the supporting documents within 30 days from end date of your trip:

Please mail the original documents (including original medical tax invoices) to us at Tampines Central Post Office, Po Box 129,Singapore 915205

For emergency assistance overseas

Please call the following helpline (Asia Assistance):

(+65) 6636 1131

What are the supporting documents required?
  • Copy of e-Ticket and boarding pass or the relevant page(s) of the passport showing entry into or exit from the country of visit
  • Specific documents relevant to the nature of your claim e.g. Trip Cancelation, Overseas Medical Expenses, Travel Delay, Trip Curtailment–please refer to the Travel Claim Form for these documents

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions
  • Are photocopies of my original receipts/invoices acceptable for the purpose of processing my claim?
    No. Original receipts/invoices are required in order to process the Travel claim.
  • I suffer from pre-existing medical conditions. Can I claim for related medical expenses incurred during the trip?
    No. Policy excludes the following:
  1. All forms of pre-existing medical conditions that have been diagnosed, received treatment or prescribed with drugs within 6 months preceding the trip
  2. Any hospitalization within 12 months prior to commencement of the trip or for which you have prior knowledge before commencement of the trip
  • What should I do if I lose my personal belongings, money or travel documents during my trip?
    If the loss arose because of robbery, burglary or theft, you should lodge a police report or report the loss to the local authority, within 24 hours after the incident.
  • If I have multiple travel policies and have already received compensation from another insurance company for the same incident, will I still be able to make a claim under Liberty’s travel policy?
    No. If you have other insurance providing cover for the same loss, damage or liability, Liberty will not be liable to pay except for any excess beyond any amount which would have been payable under the policy had this insurance not been effected.
  • If I fell sick and did not seek treatment during my trip, can I claim for medical expenses if I seek treatment in Singapore?
    Yes, if medical treatment is seek within 3 days upon your return to Singapore.
Personal
How to file a Personal Accident claim

Please duly complete, print and send the following form to us with the supporting documents within 30 days from the date of accident:

Please mail the original documents (including original medical tax invoices) to us at Tampines Central Post Office, Po Box 129,Singapore 915205

What are the supporting documents required?

1.For medical expenses:

  • Original medical receipts/tax invoices (require treating doctor to state medical diagnosis on the said receipt/tax invoice)
  • If the claim is complicated, we may require page 3 of the medical information to be duly completed by the attending physician/specialist (whichever applicable)

2.For death claim:

  • Death certificate, autopsy report, coroner’s findings, proof of relationship between insured & claimant (i.e. copy of marriage/birth certificate

3.For permanent disability claim:

  • Medical/specialist report

4.For temporary disability claim:

  • Medical leave certificates
Other Frequently Asked Questions
  • What must I do to submit the claim in case I am injured and on medical leave and the treatment is on-going?
    Please submit to us the Personal Accident Claim Form, any bills and receipts you have for claim reporting. All other follow-up bills can be submitted later.
  • Can I submit photocopies of medical bills for claim processing?
    No, copies are not acceptable. We need to have the original medical bills to process the claim.
  • Is the medical report compulsory to submit?
    We will require the medical report when necessary, however, for efficient processing of claim, please submit any medical report which you have in hand with regard to the accident.
  • Must I get referral from General Practitioner to visit specialist?
    Not necessary.
  • Does Liberty pay for any medical report fees that I have incurred in support of my claim?
    No. Liberty does not pay for any medical report(s) obtained from hospital/clinic/doctor. Proof of illness/injury will be at the expense of the insured/claimant.