Insurance Company, Insurance Agent or Broker will never accept verbal or telephone report of accident. Verbal or telephone reports are for advisory purposes only and cannot be treated as official claim records.

If you have already insured with comprehensive cover, you can ask the Insurance Company to pay compensation whether the accident was caused by you or the driver who was driving your vehicle at the time of accident. However, please pay attention to the deductible amount specified in the policy (the so-called excess - including the young driver excess, inexperienced driver excess and unnamed driver excess etc.) and the claim report deadline specified by respective Insurance Company. (Usually one to two weeks or a slightly longer period with an acceptable explanation)

Relevant terms and conditions are specified in the insurance policy and Insurance Company also reserves the right for final approval. If necessary, please obtain an insurance policy sample from our Company for reference.