Step 1:

Exchange particulars of involved parties including:

  • Name
  • Contact Number
  • Vehicle Number
  • Address
  • Insurer


Take pictures of:

- The accident scene including the accident vehicles and surrounding areas

- The damages to your own vehicle including your licence plate

- The damages to all other vehicles involved in the accident including the licence plates. For multiple vehicle collision, take pictures of those with direct contact e.g. immediate front and immediate rear vehicles.


Step 2:

Call your insurers's hotline for a tow truck or for further advice on the accident. Click here for a list of the insurers hotline.

Call the Police if:

- There are any bodily injury to any drivers or passengers, and call for an Ambulance if needed.

- A cyclist or pedestrian is involved, whether injured or not.

- The accident involves any Government or Foreign vehicles.

- The accident involves any damage to the Government's property, for e.g. Lamp Post, Tree.

- Vehicle has been stolen or vandalised.


Step 3:

Report and take your accident vehicle (whether damaged or not) to the approved reporting centre within 24 hours or by the next working day.

Note: Avoid all unauthorised tow-truck operators or repair workshops



All accidents must be reported to your insurer within 24 hours or the next working day with your accident vehicle, even if there is no visual damage to your vehicle, and irrespective of whether you are claiming from any insurers or third parties.


What happens if you fail to report a motor accident:

- Insurers can decline your claims as you will be seen as "in breach" of the policy terms and conditions.

- Non-compliance of this policy condition will result in a loss of your No Claims Discount upon renewal of your policy