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 be submitted to the exclusive jurisdiction of the courts in Malaysia. Governing LawThis Policy shall be governed by and interpreted in accordance with Malaysian law. REINSTATEMENT OF SUM INSURED
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Samples: Our Agreement
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 Person Whilst 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 payable In 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 Liability Our maximum liability must not exceed the limit per item and total Sum Insured as specified in the Schedule. Other InsuranceIf Insurance If 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 Subrogation We are entitled to recover compensation in Your name from any third party causing loss or damage to the items covered by thisPolicy this Policy at Our own expense and for Our benefit. FraudWe Fraud We 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 Control On the happening of any loss or damage We are entitled to:: a) enter the building where the loss or damage has happened;bhappened; b) take and keep possession of the Contents;cContents; c) deal with the salvage of the damaged insured item.. However, You shall not abandon the damaged insured item to Us. JurisdictionAll Jurisdiction All disputes relating to this Policy must be submitted to the exclusive jurisdiction of the courts in Malaysia. Governing LawThis Law This Policy shall be governed by and interpreted in accordance with Malaysian law. REINSTATEMENT OF SUM INSURED
Appears in 1 contract
Samples: online.berjayasompo.com.my
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 repair or replace the items if the claim is payable. Insurable InterestOnly Interest Only 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 Person Whilst 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 payable In 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 Liability Our maximum liability must not exceed the limit per item and total Sum Insured as specified in the Schedule. Other InsuranceIf Insurance If 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 Subrogation We are entitled to recover compensation in Your name from any third party causing loss or damage to the items covered by thisPolicy this Policy at Our own expense and for Our benefit. FraudWe Fraud We 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 Control On the happening of any loss or damage We are entitled to:: a) enter the building where the loss or damage has happened;bhappened; b) take and keep possession of the Contents;cContents; c) deal with the salvage of the damaged insured item.. However, You shall not abandon the damaged insured item to Us. JurisdictionAll Jurisdiction All disputes relating to this Policy must be submitted to the exclusive jurisdiction of the courts in Malaysia. Governing LawThis Law This Policy shall be governed by and interpreted in accordance with Malaysian law. REINSTATEMENT OF SUM INSUREDINSURED After the loss or damage, the total Sum Insured shall be reduced by the amount of the loss or damage and such reduced Sum Insured shall be the limit of Our liability in respect of any further losses or damage occurring during the same Period of Insurance, unless We agree upon payment of additional Premium to reinstate the full Sum Insured. Isi Kandungan NOTIS PENTING 3 PERJANJIAN KITA 4 DEFINISI 4 APA XXXX XXXX AKAN MELINDUNGI 5 APA XXXX XXXX TIDAK AKAN MELINDUNGI 5 XXXXXX/WARANTI/ENDORSAN 6 BAGAIMANA POLISI ANDA MUNGKIN DIBATALKAN 8 CARA MEMBUAT TUNTUTAN 8 CARA KAMI AKAN MENYELESAIKAN TUNTUTAN ANDA 8 PENGEMBALIAN SEMULA JUMLAH DIINSURANSKAN 9 NOTIS PENTING Ini merupakan Polisi Secure Home Anda. Anda seharusnya berpuas hati bahawa Polisi ini akan memenuhi keperluan Anda dengan sebaik-baiknya. Anda seharusnya membaca xxx memahami terma, syarat xxx waranti Xxxxxx xxx berbincang dengan ejen Xxxx xxx/atau dengan Xxxx xxxxxx terus untuk maklumat lanjut xxx/atau untuk menjelaskan apa-apa keraguan Anda, sebelum Anda membeli Polisi ini. Anda mestilah mematuhi xxx memenuhi dengan sepenuhnya terma, syarat xxx waranti Polisi ini untuk menikmati perlindungan yang diberikan. Jika Anda mempunyai sebarang pertanyaan selepas membaca dokumen ini atau jika terdapatnya apa-apa perubahan dalam keadaan Xxxx xxxx mungkin menjejaskan insurans yang diberikan, xxxx beritahu Kami dengan segera, jika tidak, Anda mungkin tidak menerima faedah-faedah Polisi ini. Jika Anda mempunyai sebarang aduan berkaitan dengan Polisi ini, xxxx hubungi UNIT ADUAN – PUSAT KHIDMAT PELANGGAN Berjaya Sompo Insurance Berhad No. Pendaftaran 198001008821 (62605-U) Tingkat 36, Menara Bangkok Bank 000 Xxxxx Xxxxxx 00000 Xxxxx Xxxxxx Tel : 00-0000 0000 Talian Bebas Tol : 0-000-000-000 Fax : 00-0000 0000 E-xxx : xxxxxxxx@xxxxxx.xxx.xx Jika Anda tidak berpuas hati dengan respons Kami, Anda boleh memilih untuk menghubungi sama ada: OMBUDSMAN PERKHIDMATAN KEWANGAN Tingkat 00, Xxxx Xxxxx Xxxxxx Xxxxxxx Xxxxxxxx 0, Xxxxx Xxxxxx Xxxxxxxx 00000 Xxxxx Xxxxxx Tel. : 00-0000 0000 Fax : 00-0000 0000 E-xxx : xxxxxxx@xxx.xxx.xx Xxxxx Web : xxx.xxx.xxx.xx XXXXX INFORMASI NASIHAT XXX KHIDMAT (LINK) Bank Negara Malaysia Tingkat Bawah, Blok D Xxxxx Xxxx Xxx 00000 Xxxxx Xxxxxx Tel. : 00-0000-0000/ 0000 0000 / 0000 0000 Bebas tol :0-000-00-0000 Fax : 00-0000 0000 Email : xxxxxxxxxxx@xxx.xxx.xx eLINK : xxxxxxxx.xxx.xxx.xx SMS 15888 PERJANJIAN KITA Polisi, Jadual xxx sebarang Endorsan mestilah dibaca bersama kerana ia membentuk kontrak insurans Anda dengan Kami. Dokumen-dokumen ini mencerminkan Terma xxx Syarat kontrak insurans sebagaimana yang dipersetujui antara Xxxx xxx Xxxx xxx dikeluarkan sebagai balasan untuk pembayaran Premium seperti yang dinyatakan dalam Jadual xxx menurut jawapan yang diberikan dalam Borang Cadangan yang dilengkapkan oleh Anda (atau bagi pihak Anda oleh pengantara Anda) xxx apa-apa pendedahan xxxx xxxx dibuat oleh Anda antara masa penyerahan Borang Cadangan Anda xxx xxxx Kontrak ini dibuat. KEWAJIPAN PENDEDAHAN Anda mempunyai kewajipan untuk mengambil penjagaan munasabah untuk tidak membuat salah nyataan dalam menjawab soalan-soalan dalam Borang Cadangan iaitu Anda seharusnya menjawab soalan dengan sepenuhnya xxx tepat. Kegagalan untuk mengambil penjagaan munasabah dalam menjawab soalan-soalan mungkin mengakibatkan pengelakan kontrak insurans Anda, penolakan atau pengurangan tuntutan Anda, perubahan terma atau penamatan kontrak insurans Anda. Sekiranya berlaku sebarang salah nyataan prakontrak yang dibuat berkaitan dengan jawapan Xxxx xxx dalam pendedahan yang dibuat oleh Anda, hanya remedi-remedi dalam Jadual 9 Akta Perkhidmatan Kewangan 2013 akan terpakai. Anda mempunyai kewajipan untuk memberitahu Kami dengan segera sekiranya pada bila-bila masa selepas kontrak insurans Anda telah dibuat, dipinda or diperbaharui dengan Kami, sebarang maklumat yang diberikan dalam Borang Cadangan adalah tidak tepat atau telah berubah. Pada masa pembelian insurans ini xxx pada bila-bila masa semasa kesahan kontrak insurans ini, Anda mestilah memberitahu Kami dengan segara tentang apa-apa insurans xxxx xxxx Andatelah beli yang memberikan jenis perlindungan yang sama atau serupa dengan item yang diinsuranskan di bawah kontrak insurans ini. DEFINISI Beberapa perkataan xxx ungkapan dalam Polisi ini telah dicetak dalam huruf tebal kerana ia telah diberikan maksud tertentu seperti berikut: Kandungan Barangan isi rumah xxx Barang Persendirian xxxx xxxxxx jenisnya, yang dimiliki oleh Anda, mana-mana ahli keluarga Xxxx xxx/atau pembantu rumah Xxxx xxxx biasanya tinggal bersama Anda, yang terkandung dalam Premis seperti yang dinyatakan dalam Jadual. Kadar Tempoh Pendek Lazim Peratusan kadar tahunan yang dikenakan untuk tempoh perlindungan: Tempoh Tidak Melebihi Peratusan Xxxxx xxxx Dikenakan 1 bulan 20% daripada Kadar Tahunan 2 bulan 30% daripada Kadar Tahunan 3 bulan 40% daripada Kadar Tahunan 4 bulan 50% daripada Kadar Tahunan 5 bulan 60% daripada Kadar Tahunan 6 bulan 70% daripada Kadar Tahunan 7 bulan 75% daripada Kadar Tahunan 8 bulan 80% daripada Kadar Tahunan 9 bulan 85% daripada Kadar Tahunan 10 bulan 90% daripada Kadar Tahunan 11 bulan 95% daripada Kadar Tahunan 12 bulan 100% daripada Kadar Tahunan Endorsan Suatu pindaan bertulis kepada terma, syarat xxx/atau Waranti Polisi ini. Lebihan Xxxxx xxxx Anda mesti membayar untuk sesuatu tuntutan sebelum Kami membayar. Amaun ini akan dinyatakan dalam Jadual. Kejadian Tarikh berlakunya kejadian. Terbuka Di mana-mana sahaja di Premis yang tidak dikelilingi sepenuhnya oleh dinding xxx bumbung xxx xxxx tidak boleh Dikunci, xxx juga mana-mana bangunan luar di Premis jika bangunan tersebut tidak boleh Dikunci. Tempoh Insurans Tempoh yang sepanjangnya Anda diinsuranskan seperti yang dinyatakan dalam Jadual. Barang Persendirian Item peribadi untuk kegunaannya, contohnya pakaian, jam tangan atau dompet. Polisi Kontrak insurans Xxxx xxxx terdiri daripada susunan kata Polisi ini xxx Jadual. Premis Lokasi yang dinyatakan dalam Jadual yang di atasnya bangunan atau bangunan luar terbina. Premium Sebarang amaun xxxx Xxxx menghendaki Anda untuk membayar di bawah Polisi ini xxx termasuk caj pihak Kerajaan. Jadual Jadual Polisi di mana butiran maklumat peribadi Anda, Premium, lokasi risiko, kepentingan diinsuranskan xxx Jumlah Diinsuranskan dinyatakan. Dikunci Dikunci supaya menghalang kemasukan selain daripada kemasukan yang menggunakan kekerasan. Jumlah Diinsuranskan Xxxxx xxxx Anda telah memilih untuk menginsuranskan Kandungan Anda seperti yang dinyatakan dalam Jadual. Waranti Pembatasan atau obligasi yang Polisi ini mengenakan ke atas Anda. Kemungkiran sesuatu Waranti akan menyebabkan Kami berhak menolak tuntutan untuk kehilangan atau kerosakan. Kami Berjaya Sompo Insurance Berhad. Anda Orang yang dinamakan dalam Jadual sebagai pihak yang diinsuranskan. APA XXXX XXXX AKAN MELINDUNGI Kami akan melindungi Anda daripada kehilangan atau kerosakan yang disebabkan oleh: 1) Kebakaran; 2) Kecurian termasuk rompakan; atau 3) Kemalangan pada Kandungan Anda. APA XXXX XXXX TIDAK AKAN MELINDUNGI
Appears in 1 contract
Samples: customer.berjayasompo.com.my
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 repair 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 Person Whilst 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 payable In 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 Liability Our maximum liability must not exceed the limit per item and total Sum Insured as specified in the Schedule. Other InsuranceIf Insurance If 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 Subrogation We are entitled to recover compensation in Your name from any third party causing loss or damage to the items covered by thisPolicy this Policy at Our own expense and for Our benefit. FraudWe Fraud We 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 Control On the happening of any loss or damage We are entitled to:: a) enter the building where the loss or damage has happened;bhappened; b) take and keep possession of the Contents;cContents; c) deal with the salvage of the damaged insured item.. However, You shall not abandon the damaged insured item to Us. JurisdictionAll Jurisdiction All disputes relating to this Policy must be submitted to the exclusive jurisdiction of the courts in Malaysia. Governing LawThis Law This Policy shall be governed by and interpreted in accordance with Malaysian law. REINSTATEMENT OF SUM INSURED
Appears in 1 contract
Samples: www.berjayasompo.com.my
