On top of home contents and houseowner coverage, you will be covered for worldwide coverage for personal belongings with the option to extend coverage to include worldwide personal liability and worldwide personal accident at additional premium. This Policy also provides 24-hour Home Assist Programme at no additional charges.

The cover under your mortgage fire insurance usually relates to the building structure, permanent fixtures and fittings. Improvements and additions to your home, your household contents and personal belongings may not be covered.

Valuables refer to precious metals or precious stones, jewellery, watches, curios and works of art. Each article or item is covered up to RM3,000 and in aggregate is up to 1⁄3 of the total Sum Insured on contents.

You do not need to do so. There are however specific limits applicable. 

Yes, you will be paid on top of your other personal accident policies.

You may cancel the cover at any time by notifying us in writing. Any refund of premium is based on the short period rate basis and depends on how long the cover has been in force and subject to the Company retaining a minimum premium of RM60.00 (applicable to Section I to IV and Section V respectively) and whether any claim has been made. The Company may cancel this cover or any Section by sending 7 days’ notice by recorded delivery letter or registered letter to your last known address and the refund of premium will depend on how long the cover has been in force and whether any claim has been made.

Please provide a written notice to the Company with full details within 7 days upon receiving notice of or sustaining any accident, loss or damage. You may contact any MSIG Branch or your Insurance Adviser to obtain a copy of the claim form. Submit the completed claim form here to the Company together with all relevant documents as soon as possible.

Just complete the attached proposal form here and send it to your MSIG Insurance Adviser for immediate processing.

If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.

If you are still not satisfied with the decision, you can write either to the Customer Services Bureau of Bank Negara Malaysia or the Financial Markets Ombudsman Service (FMOS) (formerly known as Ombudsman for Financial Services (OFS)), free of charge.