OD-KFK – HOW IT WORKS - Malaysia Insurance | Malaysia Business Insurance | Malaysia Car Insurance | Travel Insurance | Medical Insurance Malaysia

(OD = Own Damage; KFK = Knock for Knock)

When OD-KFK is Apply

When your private vehicle (comprehensive policy) is damaged by another vehicle in an accident and you are not at fault:

You claim the repair costs using your own insurer under the OD-KFK scheme.
Your No-Claim Discount (NCD) is not affected.
Your insurer handles the repair and subsequently recovers the cost from the other party’s insurer at fault.
The process is typically faster and more convenient, as you only deal with your own insurer.

When OD-KFK Does Not Apply

OD-KFK claims are not applicable if:

There is third-party bodily injury, regardless of who is at fault.
The other party’s vehicle is a commercial vehicle (e.g., bus, taxi, limousine, hire-and-drive).
The other vehicle is foreign-registered or insured by a non-Malaysian insurer.

Summary Table

REAL CASE EXAMPLE:

One user described an incident where their private car was hit by a tour bus. The insurer told them that OD-KFK does not apply in such cases, because buses are excluded, even though the user was not at fault. As a result, they had to claim under Own Damage, which reset their NCD.

OD-KFK Claim Checklist

Policyholder Documents

Other Party’s Documents (needed for OD-KFK validation)

(Your insurer may request these from the police or the other insurer under the Knock-for-Knock agreement, but may ask for your help to provide them.)

Workshop Documents

Additional Documents

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