HOW YOUR POLICY MAY BE CANCELLED. You may cancel this Policy at any time by giving Us notice in writing. Such notification shall become effective from the date We receive the notice, or the date specified in Your notice, whichever is later. Refund of premium is not allowed once Your Policy is issued. We may cancel this Policy by giving You 14 days’ notice in writing to Your last email address or address known to Us and refund the pro-rated premium to You for the unexpired Period of Insurance. HOW TO MAKE A CLAIM Notice and Proof of Claim: Any occurrence which may result in a claim must be reported to Us in writing within 30 days after it occurs and:
HOW YOUR POLICY MAY BE CANCELLED. You may cancel this Policy at any time by giving Us notice in writing. Such notification shall become effective from the date We receive the notice or the date specified in Your notice, whichever is later. We will refund the pro-rated premium to You for the unexpired Period of Insurance, provided no claims have been made under the Policy and subject to a minimum premium of RM60.00. We may cancel this Policy by giving You 14 days’ notice in writing to Your last email address or address known to Us, and refund the pro-rated premium to You for the unexpired Period of Insurance.
HOW YOUR POLICY MAY BE CANCELLED. You may cancel this Policy at any time by giving Us notice in writing. You shall be entitled to a refund of Premium after We have charged You based on Our Customary Short-Period Rates or minimum Premium payable under the Policy, whichever is higher. We may also cancel this Policy at any time by giving You 7 days’ notice in writing to Your last known address and will refund the pro rata Premium equal to the unexpired Period of Insurance. HOW TO MAKE A CLAIM You must immediately notify Us by telephone or in writing of any loss or damage and:• within 30 days, deliver to Us a statement with details and proof of the loss or damage at Your own expense; and• for loss or damage by theft or attempted theft, You must immediately lodge a Police report. HOW WE WILL SETTLE YOUR CLAIM Settlement OptionsWe will at Our option make payment, repair, reinstate or replace the items if the claim is payable. Insurable InterestOnly You have rights to claim from Us, except upon Your death, or by operation of law, the passing of interest of this insurance to another person shall only take effect after We have endorsed the Policy. No Right of Claim from Any Other PersonWhilst the Policy insures Contents of Your family or Your domestic helpers, only You can make a claim on their behalf. Basis of calculation of amount payableIn the event of the Contents insured being lost or damaged, the amount payable shall be calculated based on the cost of repairing or replacing the item of the same kind or type but not superior than the insured item when new. Our Maximum LiabilityOur maximum liability must not exceed the limit per item and total Sum Insured as specified in the Schedule. Other InsuranceIf there are any other policies covering the same or part of the same loss or damage, We will only pay a share of the loss or damage proportionally. SubrogationWe are entitled to recover compensation in Your name from any third party causing loss or damage to the items covered by thisPolicy at Our own expense and for Our benefit. FraudWe will not pay if Your claim is in any way fraudulent, whether committed by You or persons acting on Your behalf. Right of Access and ControlOn the happening of any loss or damage We are entitled to:a) enter the building where the loss or damage has happened;b) take and keep possession of the Contents;c) deal with the salvage of the damaged insured item.However, You shall not abandon the damaged insured item to Us. JurisdictionAll disputes relating to this Policy must...
HOW YOUR POLICY MAY BE CANCELLED. (Applicable for All Sections) Your Policy cancellation is subject to the following conditions:
HOW YOUR POLICY MAY BE CANCELLED. (Applicable for All Sections) Your Policy cancellation is subject to the following conditions: OPTIONAL BENEFITS For an additional premium, Your Policy may be extended to cover the following benefits to the insured Building and/or Contents. These optional benefits will be stated on the Schedule if You choose to take these up. (Applicable for SECTION I – HOUSEOWNER ONLY) OPTIONAL BENEFIT NO 1 – EXTENSION TO COVER LANDLORD’S HOUSEHOLD GOODS AND FURNISHINGS IN BLOCKS OF FLATS/ APARTMENTS (N.B THIS BENEFIT IS MEANT FOR LANDLORD ONLY). Covered Not Covered
HOW YOUR POLICY MAY BE CANCELLED. You may cancel this policy at any time by giving Us notice in writing. You shall be entitled to a refund of premium after We have charged You based on Our customary short-period rates or minimum premium payable under the Policy, whichever is higher. We may also cancel this policy at any time by giving You seven days’ notice in writing and will refund the pro rata premium equal to the unexpired period of insurance.
HOW YOUR POLICY MAY BE CANCELLED. You may cancel this Policy at any time by giving Us notice in writing. Such notification shall become effective from the date We receive the notice or the date specified in Your notice, whichever is later. We will refund the premium to You for the unexpired Period of Insurance based on the following short period rates, provided the Policy has been in force not more than 8 months and no claims have been made under this Policy. Period of Insurance 1 week 1 month 2 months 3 months 4 months 6 months 8 months Exceeding 8 months
HOW YOUR POLICY MAY BE CANCELLED. Annual Policy You may cancel this Policy at any time by giving Us notice in writing. Such notification shall become effective from the date Wereceive the notification or the date specified in Your notice, whichever is later. We will refund the pro-rated premium to You for the unexpired Period of Insurance, provided no claims have been made under the Policy. We may cancel this Policy by giving You 7 days’ notice in writing via email or registered post to Your last email or postal registered or business address known to Us, and refund the pro-rated premium to You for the unexpired Period of Insurance. Single Trip Policy No refund of premiums once the Policy is issued. HOW TO MAKE CLAIM Notice and Proof of Claim: Any occurrence which may result in a claim must be reported to Us in writing within 30 days after it occurs and:
HOW YOUR POLICY MAY BE CANCELLED. Applicable to annual policies
HOW YOUR POLICY MAY BE CANCELLED. You may cancel this Policy at any time by giving Us notice in writing. Such notification shall become effective from the date We receive the notice or the date specified in Your notice, whichever is later. We will refund the pro-rated premium to You for the unexpired Period of Insurance, provided no claims have been made under the Policy and subject to a minimum premium of RM60.00. We may cancel this Policy by giving You 14 days’ notice in writing to Your last registered address known to Us, and refund the pro-rated premium to You for the unexpired Period of Insurance. HOW TO MAKE A CLAIM Notice and Proof of Claim: Any occurrence which may result in a claim must be reported to Us in writing within 30 days after it occurs and
