If you’ve been in a road accident and the other driver is at fault, you may be eligible to claim their third party insurance.
This type of claim helps you recover the cost of repairs, medical bills, or vehicle loss without affecting your own insurance benefits—especially your No Claim Discount (NCD).
In this guide, we’ll walk you through how third party insurance claims work in Malaysia, who can make them, the documents required, and key steps to get compensated fairly.
What Is Third Party Insurance?
Third party insurance is the most basic form of car insurance and is mandatory under Malaysian law. It covers:
- Bodily injury or death to other people (third parties)
- Damage to third party property, such as vehicles or fences
It does not cover damage to your own car. If the accident is caused by someone else, you can file a third party claim against their insurance policy.
When Should You Make a Third Party Insurance Claim?
You can make a third party claim if:
- The other driver is at fault for the accident
- You suffered vehicle damage, injury, or loss
- You have sufficient evidence (police report, photos, etc.)
- The other driver has a valid insurance policy
This allows you to recover damages without using your own insurance—and without affecting your NCD.
Third Party vs Own Damage Claim: What’s the Difference?
Feature | Third Party Claim | Own Damage Claim |
Fault | Another driver is at fault | You are at fault or no third party involved |
Affects NCD? | No | Yes |
Claim from whose insurer? | The other driver’s insurance company | Your own insurance company |
Requires a police report? | Yes | Yes |
Suitable when? | When you’re not at fault | When you’re at fault or don’t want delays |
Documents Required for Third Party Insurance Claim
To file a third party claim, prepare:
- Police report (lodged within 24 hours)
- Insurance policy details of the third party
- Photos of the accident scene
- Repair quotation or invoice
- Vehicle registration card (copy)
- Driver’s IC and driving licence (copies)
- Adjuster’s report, if available
Optional: Witness statements, dashcam footage, or other supporting documents
Step-by-Step: How to File a Third Party Insurance Claim in Malaysia
Step 1: File a Police Report
Go to the nearest police station within 24 hours of the accident. Make sure the report clearly indicates who is at fault.
Step 2: Collect Evidence
Take detailed photos of:
- Vehicle damages
- Number plates
- Road condition
- Accident location and landmarks
Also gather the third party’s:
- Full name
- Contact number
- NRIC and driver’s licence
- Insurance provider and policy number
Step 3: Send Your Car for Damage Assessment
You can get a repair quotation or send your car for evaluation by a licensed adjuster. The report will be needed when filing the claim.
Step 4: Lodge the Claim
Go to the third party’s insurer’s office with all documents, or use their online claim portal if available.
Some major insurers in Malaysia include:
- Etiqa: https://www.etiqa.com.my
- Allianz: https://www.allianz.com.my
- AIA General: https://www.aia.com.my
- Zurich: https://www.zurich.com.my
Be prepared to wait between 2 to 4 weeks for claim processing.
Step 5: Follow Up and Monitor
Keep a record of:
- Claim submission date
- Claim number
- Contact person at the insurer
If the insurer delays or rejects your claim unfairly, you may lodge a complaint with Bank Negara Malaysia via https://bnm.gov.my/index.php
Common Issues with Third Party Claims
The third party disputes liability
– In this case, you may need to claim through your own insurance or file a civil suit.
The other party is uninsured
– You cannot make a third party claim. Instead, consider your Own Damage Claim if you have Comprehensive coverage.
Delays in processing
– Be persistent and follow up regularly. Keep all receipts and evidence organised.
Can I Claim Medical Bills Too?
Yes—if you were injured and the other driver is at fault, you may claim for:
- Medical treatment
- Hospital bills
- Loss of income due to injury
This may fall under Third Party Bodily Injury (TPBI). The process can be more complex and may involve legal support.
Tip: Consider Hiring a Claim Specialist or Lawyer
If the third party claim is delayed, disputed, or complicated (e.g. severe injury, multiple parties involved), you may consider hiring:
- An insurance claims consultant
- A lawyer experienced in motor accident cases
This can help you negotiate a better settlement or pursue legal action.
Summary: Third Party Claim Checklist
✔ File police report within 24 hours
✔ Gather photos, witness info, and third party insurance details
✔ Get vehicle assessed by licensed adjuster
✔ Submit claim to third party insurer
✔ Monitor progress and follow up
✔ Keep all receipts and communication records
Final Thoughts
Claiming third party insurance in Malaysia may seem intimidating, but it’s your right as a road user. If you’ve been in an accident that wasn’t your fault, you shouldn’t have to bear the financial burden.
With proper documentation and timely reporting, you can protect your interests and get compensated. And if things get complicated, professional help is always an option.
Need Help With Your Insurance Claim?
Let Autore.my assist you with your third party insurance claim.
We help car owners navigate claims with ease, whether it’s repair costs, lost income, or legal guidance.