Introduction
When an accident or damage occurs, the first step after making a police report is to file your insurance claim. But many car owners overlook one crucial detail, the supporting documents. Without complete documentation, your insurer can delay or even reject your claim. This article explains all the required insurance claim documents step by step, whether your claim involves an accident, theft, or other damage.
1. Original Police Report
The police report is the main document that confirms the incident. Make sure to file it within 24 hours of the event.
The original copy is required for all types of claims — whether or not you’re at fault.
Tip: Request a copy of the investigation report if your insurer asks for additional verification.
2. Copy of Identification Card and Driving Licence
Your insurer will need a copy of the driver’s IC (or NRIC) and driving licence at the time of the incident. Both must be valid and not expired.
If your licence has expired, your claim may be rejected.
3. Vehicle Grant / Vehicle Ownership Certificate (VOC)
This document proves you are the rightful owner of the vehicle.
If your car is still under a bank loan, the bank usually keeps the original VOC — in that case, provide a certified copy instead.
4. Insurance Certificate and Cover Note
These confirm that your policy was active during the incident.
You can easily download your insurance certificate and eCoverNote through platforms like Bjak, MyJPJ, or from your insurer’s official email.
5. Photos of Damage and Accident Scene
Photos are crucial for the adjuster’s evaluation. Taking clear photos from every possible important angle for evidence.
Pre-tow photos are a plus .
6. Invoices, Receipts, and Repair Estimates (If Any)
If you’ve already repaired the car before submitting your claim, keep all receipts for parts and workshop invoices.
For own damage claims, the adjuster will review the repair cost estimate before approval is granted.
7. Insurance Claim Form
Each insurers has their own pre-requisites for a claims process.
You can obtain this form from your insurer’s branch, official website, or via Bjak if you’ve checked your policy through the platform.
8. Additional Documents (Depending on Claim Type)
- Theft: Car keys, police investigation report, and JPJ confirmation letter stating the vehicle hasn’t been recovered.
- Natural disaster damage: Proof photos and weather report (if needed).
- Injury or death: Medical report and death certificate.
Conclusion
Preparing all required insurance claim documents is not just a formality, it helps in speeding up the process claim and reduces the risk of claim rejection. Keep digital copies for efficiency. To quickly check your active policy and download your eCoverNote, use Bjak — everything is digital, secure, and hassle-free
Read More:
What Happens If You Drive Without Insurance?
