This product provides all-risk coverage to protect your home contents against unexpected events. You may customised your plan by choosing the categories of home content that you wish to cover.

Section A - Home Electrical Products 
Products, devices, and appliances used at home that run on electricity or have embedded batteries that are chargeable using electricity such as kitchen or home appliances, air conditioners, water heaters, desktop computers and accessories, internet modem, and WIFI routers but excluding any mobile devices like laptops, handphones, tablets and handheld gaming devices.

Section B – Household Goods 
General household products used at home which include furniture, furnishings, carpets and blinds.

Section C – Security System 
Surveillance system which includes a control panel, door and window sensors, motion sensors, surveillance cameras, lights, sirens, smoke detectors, water sensors, smoke alarm system, wall mounted panels, smoke and intrusion alarm and safe.

Section D – Entertainment System 
Home theatre system which includes television, media players, home cinema, projectors, sound systems, karaoke, video and room acoustics systems, gaming consoles, musical instruments for home use.

This product is available to all Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia between 18 and 75 years of age.

This policy covers loss or damage to the contents by the following:

• Fire, lightning, thunderbolt, subterranean fire
• Explosion
• Aircraft damage
• Impact damage by road vehicles or animals
• Bursting or overflowing of water tanks, apparatus or pipe
• Hurricane, cyclone, typhoon, windstorm
• Earthquake and volcanic eruption
• Flood
• Riot, Strike and Malicious Damage
• Landslip and Subsidence
• Theft or attempted theft
• Accidental damage 

Notes: 
• Choice of duration of cover; either 6-month or 12-month. 
• No one Contents (excluding furniture, piano, organ, household appliances, radio, television, video recorder, hi-fi equipment and the like) shall be of greater value than 15% of the Sum Insured against each section of Contents you have selected.

Please refer to the Policy Document for detailed information about EZ Home Essential Insurance Schedule of Benefit.

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my). 

You are obligated to pay any applicable taxes (which include but not limited to service tax and stamp duty) imposed by the Malaysian tax authorities in relation to your policy.

• Duty of Disclosure – It is your duty to disclose to MSIG Insurance (Malaysia) Bhd (“Company) a matter that (a) you know to be relevant to the decision of the Company on whether to accept the risk or not and the rates and terms to be applied; or (b) a reasonable person in the circumstances could be expected to know to be relevant. Your duty of disclosure shall continue until the time the contract of insurance is entered into, varied or renewed.  
  Where you are purchasing this insurance wholly for purpose not related to your trade, business or profession, the above duty of disclosure will not apply. Instead, you must take reasonable care not to misrepresent when answering questions in the proposal form or in any request made by the Company and check the information you have provided is complete and accurate. You should also disclose all relevant information which may influence the Company in the acceptance of this insurance, decide the terms and premium you will pay. If you do not take reasonable care and the information provided by you is incomplete or inaccurate, this may affect your claim. Your responsibility to provide complete and accurate information when requested by the Company shall continue until the time of you entering into, making changes to or renewing your insurance. 
• Coverage is on first loss basis.  If a covered loss exceeds the plan limit of your selected plan, you are required to bear the difference of the loss.
• Automatic Diminution in Sum Insured - Upon payment of any claim, the sum insured in respect of the section for which a claim has been made shall be reduced and there is no option to reinstate the sum insured.
• Limit of Compensation – Only one policy can be purchased at any one time.  In the event you have more than one such policy, we will insure you under the policy with the highest benefit and refund you any duplicated premium payment.
• Free Look Period – If you change your mind about taking out this policy and you have not made a claim, you can write to us to cancel your policy within fifteen (15) days from the date of issue of your policy, we will refund the premium paid.

This policy does not cover loss or damage arising from:

• War, civil war and act of terrorism.
• Radioactive and nuclear energy risks.
• Consequential Loss.
• Confiscation by an authority.
• Pests, pets, upheaval of trees

Any unoccupancy of your home for more than ninety (90) consecutive days in any one period of insurance. 
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of exclusions under this policy. 

You may cancel the Policy at any time by giving a written notice to us. Upon cancellation, you shall be entitled to a refund of the premium as follows but subject to us retaining the minimum premium of RM50. The cancellation condition is applicable to 12-month duration of cover. 

It is important that you inform us of any change in your contact or personal details to ensure that all correspondences reach you in a timely manner. 
You must also advise us in writing as soon as you are aware of any changes which may increase the risk profile of this policy or the possibility of a claim under this policy. 

Should you require additional information about this insurance, please contact us at:

MSIG Insurance (Malaysia) Bhd

The Company may cancel the policy by sending 7 days’ notice by recorded delivery letter or registered letter to your last known address. The refund of premium is based on pro-rate basis and subject to us retaining the minimum premium and the prevailing Service Tax. The return of premium will depend on how long the cover has been in force and provided no claim has been made during the current period of insurance.

You can submit your claim notification:

1. Online; or
2. By providing us with written notice together with the completed claim form and all the relevant documents either by mail, email or walk in to our office within 7 days of receiving notice of sustaining any loss or damage.

You may contact any MSIG Branch to obtain the claim form.
If you have any clarification or need assistance, please contact MSIG Customer Service Hotline or any MSIG Branch.

If you have a complaint about our products or services, or you are not satisfied with the rejection or offer for 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 refer either to the Customer Services Bureau of Bank Negara Malaysia or Ombudsman for Financial Services (OFS), free of charge.

Ombudsman for Financial Services (OFS)