Special advice for Home & Commercial/ Industrial policyholders

Part 1 – Am I Covered 

Question 1.1: Is Flood covered?

Answer: This depends on your policy coverage. See chart 1.1 below

*Basic Fire Policy does not cover flood unless it is added as an extra peril.

Please check with your MSIG Insurance Adviser if you are unsure. If your property is mortgaged to a Bank, please check with the Bank if you had arranged your property insurance through them.

Once your MSIG Insurance Adviser or Bank has been notified of the claim, MSIG can appoint an adjuster to survey the loss/ damage. Do extend your full cooperation to the adjuster so that a quick and accurate survey can be done.

Question 1.2   Whilst waiting for the adjuster – what can I do? Can I start cleaning?

Answer    1.2  Yes, you can. However, please take clear photographs of the scene before cleaning and put any damaged items to one side if you have contents cover. 

Note: For claims other than this incident - MSIG standard procedures will continue to apply. 

Question 1.3   If the building is intact, what can I claim for?

Answer    1.3   This would be determined on a case-by-case basis, but generally you can claim for:

• • Costs of Cleaning/ Washing the Building
  • Repainting of Walls
  • Repair and Replacement of Electrical Points

Question 1.4   What about my building contents?

Answer    1.4   You must have Householder Cover – see chart under 1.1 above

PART 2 – Claims Process

Due to the large spread of this unfortunate flood incident, MSIG is simplifying the claim process for Homeowners. However, this simplified procedure may not be applicable to all claims,  e.g. if the claim requires further verification.

Question 2.1   Why only Home and not Commercial?

Answer    2.1   Claims for Home insurance tend to be simpler compared to Commercial property claims (e.g. size of the claim/ machinery/ stock/ different trades…etc).

Question 2.2   What are the documents required?

Answer    2.2  

** applicable only to policyholders with content cover.

Please note terms & conditions of the policy still apply and this includes the “Excess” condition which is either 1% of the total sum insured on building or RM200.00 whichever is less for each and every loss.

Example:                     Building Sum Insured: RM500,000

Excess:                        1% of Sum Insured is RM5,000 or RM200

Applicable Excess:   RM200

a)    Your Insurance Adviser

b)    MSIG Branches

                                                                              i)        Alor Setar: +604-772 2266

                                                                             ii)        Batu Pahat: +607-433 6808

                                                                            iii)        Ipoh: +6011-7248 9932

                                                                           iv)        Johor Bahru: +607-208 7800

                                                                            v)        Klang: +603-3343 6691

                                                                           vi)        Kluang: +607-772 6501/ 774 5701

                                                                          vii)        Kota Bharu: +609-748 1280

                                                                         viii)        Kuantan: +609-515 7501

                                                                           ix)        Melaka: +606-289 4333

                                                                            x)        Penang: +604-219 0800

                                                                           xi)        Petaling Jaya: +603-7954 4208

                                                                          xii)        Seremban: +606-601 3501

                                                                         xiii)        Sungai Petani: +604-424 4180

                                                                         xiv)        Kota Kinabalu: +6088-301 030

                                                                          xv)        Kuching: +6082-255 901/ 259 204

                                                                         xvi)        Miri: +6085-434 890

                                                                        xvii)        Sandakan: +6089-217 388

                                                                       xviii)        Sibu: +6084-323 890/ 347 008

                                                                         xix)        Tawau: +6089-771 051

c)    MSIG Head Office: 1-800-88-MSIG (6744)

d)    MSIG Home Assist Hotline: 1-300-880-863