Unity Insurance Agency : Redefine Motor Insurance Experience.
60 Jalan Lam Huat, #05-44 Carros Centre, Singapore 737869
enquiry@unityinsurance.com.sg
+65 9159 7846
The Motor Claims Framework (MCF) is a best practice undertaken by all motor insurers in Singapore, which provides clear and common procedures on what to do in an event of a motor accident. The MCF provides motorists with an enhanced claims experience and at the same time, helps contain claims costs for insurers.
Read more about Motor Claims Framework (MCF)
Under the MCF, insurers will assist policyholders in handling repairs to the damaged vehicle, including assisting policyholders to file claims against a Third Party, if the policyholder is not primarily liable. Insurers will provide a comprehensive service (via their approved reporting centres or workshops) to encourage you to report your accident with your accident vehicle as well as have the repairs carried out at the approved workshops. All motorists are required to do is to report to their insurers within 24 hours or the next working day and to bring their accident vehicle to the insurers’ approved reporting centres or workshops.
Yes, the MCF applies to all policies. It will be a policy condition which all motor insurers will enforce.
Yes, always report all accidents to your insurer no matter how minor the accident may be, even if there is no visual damage or even if you have made a private settlement with the other driver. This is because you cannot be fully certain that the other party will not file a claim against you later. You may find yourself in a position of having your claim prejudiced or declined later by insurers.
Failure to do so will affect your No Claims Discount upon renewal of your motor insurance and will prejudice your claim.
The driving force behind the MCF is the enhancement of customer experience with a comprehensive service. At the same time, it will help contain cost of claims for insurers. Generally, premiums will not rise if the cost of claims are contained.
Each insurance company offers different types of motor insurance policies. Certain types of policies allow policyholders to use any workshop. Please check your motor insurance policy or with your insurance company.
Yes, all insurers will have a 24-hour hotline so that you can seek proper advice even at the scene of accident.
Under special circumstances, this would be permitted with supporting justification. Please contact your insurer for advice and instructions.
There are no fees or charges involved in the reporting process.
The MCF is an industry initiative and all motor insurers in Singapore support the MCF.
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