CLAIMS

The Claims Process

Insurance should be simple. Especially when you claim.

At Coverage Insurance our aim is to help process your claim as quickly as possible with our insurers.

On this page you can find details for what to do in the event of an insured loss under your policy, how to submit your claim and an outline of the required documents to support your claim.

Less missing information means faster processing! Original documents should also be kept a copy as the insurer will asked for it.

Send your completed insurance claims forms and all supporting document to : claims@coverageinsurance.com

Claims forms can be downloaded here.

TYPES OF INSURANCE CLAIMS

Motor Claims
Reporting an accident
You are required by the General Insurance Association of Singapore to report an accident to your insurer within 24 hours (or the next working day) even if you are not claiming on your own insurance or when there is no damage. If not, your No Claim Discount (NCD) may be affected.

Reporting to the police
You need to report an accident to the police if someone is injured, if a hit-and-run situation occurs, or if a government vehicle/property, foreign vehicle, or pedestrian/cyclist is involved.

Details to exchange are:
-Car license plate number
-Names
-NRIC or other identification numbers
-Address
-Phone number
-Insurance details

Try to note your exact location. If you can, take photos and video of the scene, including vehicles and damaged property before they are moved.

Information needed to make a claim
-Accident report 
-Completed claim form – For windscreens only
-Police report (if needed) – Refer to section above on Reporting to the Police
-Medical and specialist reports – If anyone is injured get a medical report from the doctor
-Bills and invoices of expenses incurred (i.e. overseas towing, medical fees)
-Documents supporting your claim (i.e. photographs, medical certificates)
-Names and particulars of witnesses

Home Content & Life Style Insurance

  • Include as many details of the incident as possible
  • Brief description of incident
  • Supporting claim documentation such as invoices, photographs or receipts if available. 
  • Police Report (If any)

Personal Accident Claim

  • Include as many details of the incident as possible (Time/Date/Location)
  • Medical certificate and/or doctor memo
  • A copy of  medical/purchase receipts/invoice and payment proof
  • Police Report (If any)

The medical condition being treated must be clearly stated, especially for claims made under extended benefits. The diagnosis should state clearly what the treatment is being sought for, example, food poisoning, insect bites or a specific infectious disease if you are making a claim under these extended benefits.

Travel Insurance Claims
Documents needed for each type of claim:

Medical expenses

  • Flight Itinerary
  • Medical report and other medical documents
  • Medical bills

 Loss or damage to personal belongings

  • Flight Itinerary
  • Copy of police report or airline report lodged at place of loss within 24 hours
  • Baggage loss or damage report from airline
  • Written confirmation of compensation from airline
  • Photographs of damaged items
  • Receipts (purchase/repair) and warranty cards of lost or damaged items

 Travel or baggage delays

  • Flight Itinerary
  • Written confirmation from airline on cause and duration of delay
  • Delay report and acknowledgement slip (baggage delay)

 Trip cancellation or disruption

  • Flight Itinerary
  • Written advice or medical certificate stating unfit for travel from a qualified medical practitioner
  • Receipts for booking of trip
  • Travel agent and/or airline’s confirmation of refund amount
  • Death documents (for deaths)
  • Proof of relationship (if due to sickness, injury or death of related person)

 Rental Car Excess

  • Flight Itinerary
  • Rental Car Agreement
  • Damage Report
  • Receipt of Excess paid

All Other Claims

For all other claims process or procedures not indicated above, please send an email to claims@coverageinsurance.com outlining your name, insurer, policy number and type of claim