Operator/Company

• Fast and easy way to get takaful/insurance

Agent

• Represents up to 3 insurers — can compare coverage and prices
• Can become a personal adviser

Coverage

• Make sure you are covered from risks the way you intend to, e.g., check if you want your car windscreen to be covered.

Exclusions

• Check the circumstances where your policy does not apply or cover. e.g., missing a flight due to arriving late at the airport is a common exclusion, for which you cannot refund your ticket.

Claims

• Every policy may have a different timeframe to file a claim, e.g., you need to submit an accident notification form to your motor insurer within 7 days after the date of the accident. Otherwise, your claim may not be entertained.

Standard Claim Procedure

The documents contain vital information about your insurance policy! Keep it in a safe place. These documents will be needed in case any issues arise in the future.

1

Make a police report for incidents

involving road accidents, accidental death/injury, or if something has been stolen.

2

Notify your insurer immediately

3

Find all the documentation

e.g., your policy document, receipts for stolen or damaged items.

4

Complete and submit a claim form

provided by your insurer together with relevant supporting documents.

Motor Claims Guidelines Procedure (MCG)

This procedure is applicable for most motor accidents.*

*MCG shall not apply to accidents giving rise to injury or death, those involving Brunei Government property, or any vehicle licensed or insured for the carriage of passengers for hire or reward (e.g. taxis or buses).

1

Exchange particulars of involved parties

Name, Smartcard Details, Tel. No., Address and Insurer.

2

Take note of the vehicle numbers and take photos of the accident scene

3

Call your insurer's hotline

for a tow truck or for further advice on the accident.

4

Report and take your accident vehicle

(whether damaged or not) to the Accident Reporting Centre (ARC) within 24 hours or by the next working day.