Frequently Asked Questions

The above premium is only applicable if your house is constructed of brick/concrete walls, reinforced concrete floor and roofed with tiles/concrete/asbestos and is solely used for private residential purpose.
For other types of building construction, please refer to your agent or our Customer Service Centre at 03-21172118.

The standard perils insured are fire, lightning, explosion aircraft or impact damage, bursting of pipes, thefts, windstorms, earthquake, and flood. You may extend to include other perils by paying additional premium.

All Risks include cover for perils under Houseowner section, accidental damage and other perils not specifically excluded. For more details on this, please refer to our policy wording.

Home Contents All Risks Insurance
Items such as platinum, gold, silver articles, jewellery and furs are limited to one third of the sum insured for home contents.  
Please ensure that you insure your property and its contents for the full value to avoid being underinsurance in the event of claim.

Worldwide Personal All Risks Insurance
We will insure your personal effects up to RM3,000 for each item/pair and set.

You are only required to declare those items which have greater value than 5% of the total sum insured on the household contents (except furniture, pianos, organs, household appliances, radios, televisions sets, video recorders, hi-fi equipment and the like).

It covers third party claims (including legal costs and expenses) for accidental bodily injury or property damage arising from negligence caused by you, your immediate family members or your domestic helper.