Free Rescue Care -AAM

Automobile Association of Malaysia (AAM)
CALL 1 800 88 6088
Comes with all our AIG comprehensive motor insurance policy.
RescueCare break Down Assistance Service is rendered by Automobile Association of Malaysia (AAM). Customers can enjoy numerous Free services such as towing services, jump starting the car, changing of tyres and battery, etc.
Zero excess at our authorised panel workshop
Parts for parts replacement
12 months repair warranty
After repair re-inspection

To know more on AIG motor insurance pls click : http://sseven-aig.blogspot.com/2008/08/motor-insurans.html

Personal Accident & Medical Claims Procedures - AIG

Personal Accident & Medical
Claims Procedures
Notify AIG General Insurance personnel/Agent immediately after the incident. Claim Form (Discharge Medical Form) and/or Medical Report Form (Certificate of medical Attendance) will be forwarded within 3 working days.
For prompt claim processing, please ensure that following general documents are submitted.
Documents Required
Fully Completed Claim Form - Section I
Medical Report - Section II (The completion of this Section II may be waived for Accident Medical Reimbursement claims not exceeding RM300.00 and provided all the bills or receipts have the doctor's diagnosis.
Other Supporting Documents
Hospitalisation and Surgical Benefits
Original Hospital Billing Statement & Payment Receipt.
If claiming for excess amount, assessment/settlement letter from the other insurer.
Daily Hospital Income or Cash Benefit
Original or Certified True Copy of Hospital Billing Statement and Payment Receipt
Accident Medical Reimbursement Benefit
Original Medical Bills and Payment Receipts
If claiming for excess amount, assessment/settlement letter from the other insurer
Police Report, if any
X-ray and/or MRI reports, if any
Weekly Indemnity Benefit
Original or Certified True Copy of Medical Sick Leave Certificate /
Police Report, if any
Permanent Disablement or Permanent Loss of Use resulting in physical amputation
Clear Photographs of the affected amputated limb(s)
X-ray and/or MRI reports
Permanent Disablement or Permanent Loss of Use not resulting in physical amputation
Specialist report confirming the permanent disablement after 12 months from the accident date
X-ray and/or MRI reports, if any
Permanent Disablement or Permanent Loss of Use not resulting in physical amputation
Medical Report - Section II - only if no post-mortem was done
Detailed Post-Mortem Report
Police Investigation Result
Death Certificate
Burial or Cremation Permit
Copy of Deceased's Identity Card
Copy of Named Nominee(s)/Claimant's Identity Card
Copy of Marriage certificate, where applicable
Letters of Administration/Distribution Order/Sijil Faraid - for Muslim or if nominee is below 18 years old or when there is no nomination
Newspapers report or any other available medical reports or documents to substantiate the claim
http://sseven-aig.blogspot.com/2008/08/personal-accident-medical.html

Travel Claims Procedurs - AIG

Travel
Claims Procedures
Notify AIG General Insurance personnel/Agent immediately after the incident.
For prompt claim processing, please ensure that following general documents are submitted.
Documents Required
Fully completed Travel Claim form (incomplete form may cause delay in processing)
Original Insurance Certificate & Proposal Form
Original used air ticket & boarding pass
Other Supporting Documents
Medical Expenses
Original Medical Bills/Invoices
Original Payment Receipt issued by the clinic/hospital
Original Medical Report/Diagnosis note duly certified by the attending Physician
Flight Delay
Letter from airline confirming the delay duration (in number of hours), actual departure time and reason for the delay.
Flight Misconnection
Letter from airline confirming the actual time of arrival at the airport of the transit point and actual departure time of the connecting flight.
Original receipts for hotel accommodation, restaurant meals or refreshment.
Baggage Delay
Property Irregularity Report
Letter from airline confirming the delay duration (in number of hours), the reason for the delay and their offer of compensation.
Original receipts for emergency purchases of essential clothing & toiletries during the delay duration.
Baggage Loss
Property Irregularity Report
Letter from airline confirming the loss and their offer of compensation
Original receipts for items claimed
Baggage Damage
Property Irregularity Report
Letter from airline confirming the damage and their offer of compensation
Photographs depicting the damage
Original quotation or receipt for repair
Original purchase receipt of the damaged luggage
Trip Cancellation & Trip Curtailment
Original invoice and payment receipts confirming the full amount paid
Tour Fare breakdown charges & travel itinerary
Letter from Travel agent confirming the refund amount. If nil refund, to state reason
If the cause of cancellation/curtailment is due to medical condition of an immediate family member, to provide Proof of relationship, e.g. birth certificate or marriage certificates. If due to death, also enclose the Death Certificate.
Medical Report and to provide details of all normal attending physicians.
Loss of Travel Document
Original receipts for additional hotel accommodation, land transportation cost & communication expenses
Original police report & official translated copy of the report, if report is not in English
Insured's account on the exact description of the incident
Loss of Money
Original Police report obtained at the place of loss
Official translated police report, if report is not in English.
Insured's account on the exact description of the incident
http://sseven-aig.blogspot.com/2008/08/travel.html

House Owner/House Holder Claims Procedurs - AIG

House Owner/House Holder
Claims Procedures
In the event of an incident giving rise to a claim, please notify us immediately and provide us the following:
1. Completed claim form (will be given at time of notification);
2. Statement of claim incorporating make and model of items claimed;
3. Purchase bill or receipt, if available;
4. Police report (for theft and crime related matter);
5. Documentary proof on cause of loss e.g. technical report (not necessary for fire, flood , theft and bursting/overflowing of pipes and water apparatus);
6. Replacement quotation for items deemed beyond economical repair. If repair cost is estimated at above RM2,000/-, please obtain a detailed repair quotation;
7. Photographs showing damages sustained. In the event of flood, you may proceed with the cleaning process if photographing is impracticable.In the event of theft, please proceed with repairs to the building after taking photographs showing point of entry and place where the items were kept before the theft took place.
8. Fire brigade report in the event of fire ;
9. Two competitive quotation from potential contractors for repairs and/or re-construction of insured building ;
10. Certified true copy of property title for building repair claims in excess of RM5,000/-
Where necessary, we will appoint an adjuster to assess your loss upon receipt of your notification
If adjuster is not appointed, you are required to provide the following additional documents:
1. For Theft
a) Photograph showing point of entry/exit; and
b) Location of property stolen.
2. Lightning Damage
a) The insured damage item; and
b) Technical report on cause of loss.
3. Other Type of Damage
a) Photograph showing extent of damage
http://sseven-aig.blogspot.com/2008/08/home-owner.html

Motoring Tips - AIG

Things you must know
There are some important points that you should be aware of if you are involved in an accident or if your car is stolen.
What to do in the event of an accident
Give your name, address and insurance details to the other party who is involved in the same accident.
Get the name, address, phone number, vehicle registration and any other information from the other driver(s), passenger(s), witness (es) and any attending police officer(s) at the scene of accident.
Note the exact location and any relevant road signs or markings.
If injury is involved and you did not give your details at the scene, report the incident to the police within 24 hours after the accident.
Have your vehicle towed to the nearest police station and subsequently to one of our panel workshops.
You must telephone us as soon as possible within 24 hours after the accident to report the accident.
What to do if your vehicle is stolen or suffers theft related damage
Report the theft to the police immediately and take note of the police officer's name and obtain a copy of the report.
You must telephone us as soon as possible and within 24 hours after the theft to report the incident.
Tips To Safeguard Your Vehicle Against Theft
Car theft is a serious problem in Malaysia. We have gathered some tips to share with you. Amongst the most interesting findings on how cars are stolen are as follows:
Keys in the ignition!
Reminder: Never leave your car unlocked and unattended even for a second while running a quick errand at the grocery stores, to the ATM, or pick up your kids from across the road. Make sure all means of entry to your vehicle are shut tight.
Vehicles are towed away.
Tip: Park your car with wheels turned towards the curb or to the side at driveways and parking lots. This makes it difficult for thieves to tow your car away.
Non activated Security Alarm:
Reminder: Use it. The siren, horn or lights works effectively to frighten the thief away.
Did not have any anti-theft device.
Reminder: Install an immobilizer. A small investment upfront will save you from major inconveniences in the event of theft.
No etching of vehicle number on car windows and major parts.
Tips: A preventive measure that is cheap. By marking your vehicle, you assist police in identifying your car.
Car hijack at the traffic lights!
Reminder: When driving your car, keep your doors locked and windows rolled up. Stay alert!
Cars stolen from a remote and quiet road or parking lot.
Reminder: Park in well-lighted areas with pedestrian traffic.
Don't Be The Target Of Car Thieves
Leaving coins for parking, sunglasses, briefcases, gym bags, keys and parking tickets visible will attract thieves to your car.
Always place your valuables in the trunk. Out of sight, out of mind.
Always lock your car doors and windows.
8 Tips On Personal Safety
When you are driving or walking to your car, be aware of your surroundings. Pay attention to any suspicious people near your car.
After office hours, ladies are advised not to walk alone to their cars parked in office buildings or shopping complexes. Always get someone to accompany you to your car if you work late.
Check the back seat of your car before you enter. After getting into your car, close all windows and lock all doors.
If there is another driver harassing you, engaging you to race or to stop his/her car in front of you, keep driving, slow down and do not provoke or challenge him / her. Avoid confrontations.
If you get lost especially at night, call someone via your mobile phone or go to the nearest petrol station or shop to ask for directions. Do not stop your car and / or turn on the hazard light. You will only draw attention to your situation and invite trouble.
While driving, if you feel that your car has been deliberately hit by another, do not stop. This is a common tactic used by robbers to make drivers stop their car before robbing them. Try to note the type of vehicle and vehicle registration number for purposes of making a police report.
Never leave your car engine running unattended especially when you intend to make a quick visit at convenience stores or petrol stations.
Never leave your young children inside an unlocked car unattended.
The Benefits And Value Added Services
NIL Excess*
Our NIL Excess offer is extended to own damage auto claims reported after April 9th, 2001, regardless of your 'No Claim Discount' (NCD) entitlement. Just take your vehicle to any one of our approved panel workshops and your excess will be waived.
Note:
this does not apply to actual total loss, constructive total loss and theft claims.
this also does not apply to 'Knock for Knock' claims (where NCD is not forfeited). Your excess is recoverable from the third party insurer when you pursue your claim for other uninsured loses.
Peace Of Mind
All our approved panel workshops are approved by the General Insurance Association of Malaysia (PIAM).
Save Money
Enjoy Nil Excess with or without NCD
12 months warranty on approved repairs
14 days own damage claim approval (upon submission of full documentation)
We provide free re-inspection service if you are unsatisfied with the repair of your vehicle
Save Time
Over 450 approved panel workshops nationwide to assist you in the following:
Tow your insured vehicle to the nearest police station.
Assistance given in lodging a police report.
Assistance given in completing of claim forms.
Submission of claim form and relevant documents to us.
Follow up with our Claims Department to speed up processing of claims.
* 'Excess' refers to the first amount of any claim that the insured has to undertake to pay by himself
http://sseven-aig.blogspot.com/2008/08/motor-insurans.html

Business Claim Procuders- AIG

Casualty
1. Public Liability/Comprehensive General Liability
Claims Procedures
Upon receipt of a claim or possible claim from the third party, to notify AIG General Insurance with the following basic information:
Description and extent of loss/injury suffered by third party
Date of loss/accident
Location
Any demand made by third party either verbal or written
Details of policy involved
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to a third party without prior written consent from Insurer.
Claim from third party
Insured must immediately forward to Insurer any letter of demand or legal proceedings received from the third party.
Acknowledge receipt of the letter of demand and advise the third party's solicitors that Insurer has been notified and will be investigating the loss on a without prejudice basis.
If legal action is brought against Insured, Insurer will appoint solicitors to defend the insured pending determination of policy liability to protect insurer's interests. If investigations disclose that there is no policy liability, insured will take over conduct of the defence from insurer.
In any circumstances, the Insured shall not admit liability or enter into any negotiation with the third party or their solicitors without insurer's written consent.
Documents Required
Property damage
Completed Claim Form
Photographs depicting damage
Written statements from witnesses to the incident, if available
Copy of Police Report, if any
Investigation/Incident Report
A sketch of the area where the incident occurred
Estimate of claim
Letter of claim from third party
Bodily Injury
Completed Claim Form
Detailed account of how, where and when the incident happened
Written statements from witnesses to the incident, if available
Photographs of injury sustained and area where the incident occurred
Copy of Police Report, if any
Investigation/Incident Report
Medical report/Specialist report
Medical bills from the third party
Indicate whether there were any warning signs or reasonable precautions taken to prevent the incident
A sketch of the area where the incident occurred
Estimate of claim
2. Product Liability
Claims Procedures
Upon receipt of a claim or possible claim from a third party, to notify AIG General Insurance with the following basic information:
Description and extent of loss/injury suffered by third party
Date of loss/accident
Location
Any demand made by third party either verbal or written
Details of policy involved
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to a third party without prior written consent from Insurer.
Claim from third party
Insured must immediately forward to Insurer any letter of demand or legal proceedings received from the third party.
Acknowledge receipt of the letter of demand and advise the third party's solicitors that Insurer has been notified and will be investigating the loss on a without prejudice basis.
If legal action is brought against Insured, Insurer will appoint solicitors to defend the insured pending determination of policy liability to protect insurer's interests. If investigations disclose that there is no policy liability, insured will take over conduct of the defence from insurer.
In any circumstances, the Insured shall not admit liability or enter into any negotiation with the third party or their solicitors without insurer's written consent.
Documents Checklist
Completed Claim Form
Photographs depicting damage
Written statements from witnesses
Copy of Police Report, if any
Investigation/Incident Report
Estimate of loss
Letter of claim/demand from third party
Detailed account of how, where and when the loss was discovered
3. Employer's Liability
Claims Procedures
Upon receipt of a claim or possible claim from an employee, to notify AIG General Insurance with the following basic information:
Description and extent of loss/injury suffered by employee
Date of loss/accident
Location
Any demand made by employee either verbal or written
Details of policy involved
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to an employee without prior written consent from Insurer.
Documents Checklist
Completed Claim Form
Detailed account of how, where and when the incident happened
Written statements from witnesses
Photographs of the injury sustained
Indicate whether SOCSO claim has been submitted and the details
Copy of Police Report, if any
Investigation/Incident Report
Medical report/Specialist report
Medical bills of the injured employee
Letter of confirmation of employment and designation of employee
Indicate whether there were any safety precautions taken to prevent the incident
A sketch of the area where the incident occurred
Estimate of claim
4. Workmen's Compensation
Claims Procedures
Upon receipt of a claim from an employee, to notify AIG General Insurance enclosing the following documents:
Documents Checklist
Completed Claim Form (a clear description of how accident happened must be stated)
Medical Certificate Form completed by the attending doctor
Original Medical Sick Leave Certificates
Copy of Medical Report
Copy of Police Report, if any
Salary voucher 6 months prior to accident
Original medical receipts
Photographs of injury sustained, if available
Letter from Insured that injured worker is under their employment
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to an employee without prior written consent from Insurer
Engineering
1. Boiler and Pressure Vessel / Machinery Breakdown Claim
Claims Procedures
Notify us immediately giving details such as nature and extent of loss or damage
Take all reasonable measures to mitigate loss or damage
Not to dispose of the damaged property and if possible, take photographs
Cooperate and provide assistance to the Adjusters
Documents Required
Completed Claim Form
Written Statement of Claim detailing the property damaged
Purchase invoices/delivery orders
Technical/Damage Report on extent of damage (when requested)
Estimate of scope of repair and/or replacement and detailed breakdown of cost for this
Any additional information and documentary evidence as may be required by us or appointed Adjusters
2. Contractor's All Risks / Erection All Risks Claim
Claims Procedures
Notify us immediately giving details such as nature and extent of loss or damage
Take all reasonable measures to mitigate loss or damage
Report to police authorities immediately in case of loss due to theft or burglary
Not to dispose of the damaged property and if possible, take photographs
Cooperate and provide assistance to the Adjusters
Documents Required
Completed Claim Form
Written Statement of Claim detailing the property lost or damaged
Purchase invoices/delivery orders
Technical/Damage Report on extent of damage (when requested)
Estimate of scope of repair and/or replacement and detailed breakdown of cost for this
Police Report, if lodged
Any additional information and documentary evidence as may be required by us or appointed Adjusters
3. Electronic Equipment Claim
Claims Procedures
Notify us immediately giving details such as nature and extent of loss or damage
Take all reasonable measures within power to mitigate loss or damage
Report to police authorities immediately in case of loss due to theft or burglary
Do not dispose off the damaged property and if possible, take photographs
Cooperate and provide assistance to appointed Adjusters
Documents Required
Completed Claim Form
Written Statement of Claim detailing the property lost or damaged
Purchase invoices/delivery orders
Technical/Damage Report on extent of damage (when requested)
Estimate of scope of repair and/or replacement and detailed breakdown of cost for this
Police Report, if lodged
Any additional information and documentary evidence as may be required by us or appointed Adjusters
Additional information required for coverage for Data Media loss/ Increased cost of working/extra expense cover
Detailed breakdown of cost of recreating data that was damaged
Detailed breakdown of cost for use of external systems, rental of substitute equipment and utilization of third party services and additional personnel expenses
Financial Lines
Claims Procedures
Upon receipt of a claim or possible claim against the insureds, notify AIG General Insurance with the following basic information:
Description and extent of loss suffered by Claimant
Date of loss
Any demand letter from the claimant
Details of policy involved
Insured shall not in any circumstances admit the claim, make an offer, promise or payment to the Claimant without prior written consent from Insurer.
Insured/brokers shall immediately forward to Insurer any letter of demand or legal proceedings received from the Claimant.
Acknowledge receipt of the letter of demand and advise the Claimant's solicitors that Insurer has been notified and will be investigating the loss on a without prejudice basis.
If legal action is brought against Insured, Insured will appoint solicitors with the consent of Insurer to defend them pending determination of policy liability.
In any circumstances, the Insured shall not admit liability or enter into any negotiation with the Claimant or his/her/their solicitors without insurer's written consent.
Documents Required
Completed Claim Form
Police Report (Fidelity Guarantee & Professional Indemnity)
All cause papers i.e. writ of summons, statement of claim, statement of defence etc.
Letter of demand from Claimant
Any additional information and documentary evidence as may be required by us or our adjusters
Upon receipt of all relevant documents / information, a review and assessment of the said claim will be done and we will advise on policy coverage via a formal letter. If we are not able to confirm policy coverage at this stage, we would then advise of next course of action.
Marine Cargo
Claims Procedures
Notify AIG General Insurance personnel/Agent immediately upon discovering the loss/damage. Please make available preliminary documents/information for opening of claim file:
Insurance Policy/Certificate
Invoice
Bill of Lading/Airwaybill
Estimated loss amount, if any.
For cargo damage or pilferage claims up to RM3,000.00 survey is not mandatory.
For those claims above RM3,000.00, AIG General Insurance will decide on appointment of Surveyor.
For Partial Loss
As soon as loss or damage is found, take exceptions (remarks) on the delivery record or other documents to file a claim against responsible parties.
Take photographs of the damaged goods including the internal and external packing material.
Documents Required
1. Claim Bill
2. Original Insurance Policy/Certificate or copy of Monthly Declaration
3. Invoice (if not submitted earlier)
4. Packing List
5. 2nd or 3rd Original Bill of Lading/Airwaybill with terms and conditions on reverse side
6. Photos (when necessary to support evidence of damage)
7. Letters to the Carrier, Port Authority and Forwarding Agent and their replies.
Note: Additional documents might be required depending on the type of loss.
For Total Loss
When cargoes sustain total damage on board during the ocean transportation (e.g. sinking without any possibility of salvage, burnt and such like)
Documents needed:
In additional to Items 1 to 7 as stated above, we also need the following documents:
Bill of Lading (all the negotiable sets to be submitted)
Survey Report issued by the Shipping Company, if any.
Certificate of Total Loss by Shipping Company
Property
1. Burglary / All Risks / Equipment All Risks / Money / Plate Glass Claim
Claims Procedures
Notify us immediately giving details such as nature and extent of loss or damage
Take all reasonable measures to mitigate loss or damage
Not to dispose of the damaged property and if possible, take photographs
Cooperate and provide assistance to the Adjusters
Documents Required
Completed Claim Form
Written Statement of Claim detailing the property damaged
Police Report(if loss is caused by fire or burglary)
Fire and Rescue Services Department report ( if loss or damage is by fire)
Estimate of the cost of repair to the building and/or properties insured
Purchase invoices/receipts/valuation reports in respect of the damaged items
Stock records, accounting records, sales invoices, delivery orders, return inwards, bank statements, as appropriate to quantify the loss or damage
Any additional information and documentary evidence as may be required by us or appointed Adjusters
2. Fire Claim
Insured To Do
Give immediate notice to us by telephone
Immediately notify the relevant authorities such as Fire Brigade, Police
Take all reasonable measures to minimize the extent of loss or damage
Cooperate with appointed Adjusters when called upon
Documents Required
Completed Claim Form
Written Statement of Claim detailing the property damaged
Police Report
Fire and Rescue Services Department report
Estimate of the cost of repair to the building and/or properties insured
Purchase invoices/receipts/valuation reports in respect of the damaged items
Stock records, delivery orders as appropriate to quantify the loss or damage
Any additional information and documentary evidence as may be required by us or appointed Adjusters
3. Fire Business Interruption Claim
Insured To Do
Please refer to Fire claims procedure/guideline above. This claim will only materialise if the material damage claim is payable (exception: policy with waiver of Material Damage Proviso Clause).
Documents Required
Written Statement of Claim detailing the claim
Production records
Manufacturing, trading, profit and loss accounts
Furnish all information and documentary evidence as required by us or appointed Adjusters
4. Property Terrorism Claim
Insured To Do
Give immediate notice to us by telephone
Immediately notify the relevant authorities such as Fire Brigade, Police
Take all reasonable measures to minimize the extent of loss or damage
Cooperate with us or appointed Adjusters
Documents Required
Completed Claim Form
Written Statement of Claim detailing the property damaged
Police Report
Fire and Rescue Services Department report
Estimate of the cost of repair for the damaged property insured
Purchase invoices/receipts/valuation reports in respect of the damaged items
Stock records, delivery orders as appropriate to quantify the loss or damage to insured property
Any additional information and documentary evidence as may be required by us or appointed Adjusters
5. Plate Glass/Signboard Claim
Insured To Do
Notify AIG General Insurance personnel/Agent immediately after the incident.
Documents Required
Completed claim form
Photographs depicting damaged items
Repair/Replacement Quotation/Invoice
Police report (if available)
http://sseven-aig.blogspot.com/2008/08/business-insurance.html

Things To Do Immediately After An Accident-AIG

Things To Do Immediately After An Accident
In the event of a third party claim
Please do not discuss the issue of liability with any third party or his/her/their representatives and no compromise or settlement is to be made or arrived at without our knowledge and consent.
All correspondences received in connection with a road accident shall be forwarded to us unacknowledged and we will make the appropriate acknowledgement on your behalf.
Should you be served with any summons, please send such documents to us by express registered post immediately thereafter.
Failure to adhere to the above instructions may prejudice your rights or protection under your insurance policy
Do you know, as an AIG General Insurance motor policy holder, you have a 12 months repair warranty?
"Auto Repair Warranty"
This warranty is valid for a period of 12 months from the date of issuance.
This warranty is non-transferable and will cease to be effective once you sell, transfer ownership of the insured vehicle within the warranty period or if your policy is not renewed with us within the warranty period or if you attempt to carry out any repairs other than getting repairs done by one of our approved panel workshops.
This warranty does not apply to:
1. Normal wear and tear;
2. Any area not damaged in connection to the accident concerned;
3. Third party's vehicles' damage;
4. Replacement of parts except for defective parts replace which was caused by incorrect installation done by our approved panel workshop or if the replacing parts are found to be defective at the time of installation;
5. Used parts and non-original parts, except for defective parts replace which was caused by incorrect installation done by our approved panel workshop.
Parts for Parts Replacement ...Say 'NO' to Contract Repair
"Part for Part Replacement"
Our repair claim approvals are based on a 'Part-for-Part-Replacement' basis. Precisely, if a part was damaged beyond repair, such part will be replaced. Our claim process allows you to have access to information as follows:
Approved spare parts ;
Price of replaced spare parts; and
Labour charges.
Upon approving a claim, we will provide an explanation on the scale of betterment, average clause and policy excess.
Our approved panel workshops know what are the approved parts and will repair the damaged vehicle up to manufacturer's specifications and to a road-worthy condition. This approach enables policyholders an opportunity to be made aware, understand and report to us repairs which were not carried out in accordance with our approval.
What is CTC Spot Check?
"Claim Technical Control ("CTC") Program"
We support the CTC program with the objective to promote professionalism and integrity in our claim process.
This program consists of the following:
A wide network of approved panel workshops and loss adjusters which adhere strictly to our corporate policy.
In-house technical assistance and unscheduled spot checks.
Fraud detection.
Complaint resolution.
Check Your Car Repair Status via SMS?
Auto Triggering
The claim system will automatically be triggered and SMS you with regards to the following:
1. The first message will be sent confirming that your claim has received prompt attention upon vehicle being checked in to our approved panel workshop.
2. The second SMS message is sent when repair is authorized or when an adjuster is assigned for your claim.
3. The third and last SMS message is sent when your vehicle is ready for delivery.
Mobile Interactive
You may check your vehicle repair status at anytime by sending a SMS request to 36600.
Windscreen Repair Vs Windscreen Replacement
"Windscreen Repair Against Windscreen Replacement"
You are advised to repair your damaged windscreen instead of replacing it for the following reasons:
1. Original windscreen will not be removed as replacement of windscreen may affect manufacturer's rubber seal;
2. Lifetime repair warranty by our panel workshop, Glass Mechanic Sdn. Bhd. ;
3. Replacement of windscreen effectively terminates your windscreen insurance coverage. However, by repairing your windscreen, your insurance coverage continues.
Did you know that certain "COMMON PRACTICES" may jeopardise or affect your rights to a claim?
Non-disclosure of change in risk exposure e.g. modifications to the vehicle.
Using private cars to carry fare-paying passengers.
If you leave your car engine running, unattended and unlocked, this could be construed as negligence and affect your rights to recovery.
Another example of negligence would be letting potential buyer to test drive your vehicle without your presence.
SO, BEWARE. PROMPLTLY INFORM US ABOUT ANY CHANGE TO RISK EXPOSURE AT ALL TIMES.
http://sseven-aig.blogspot.com/2008/08/motor-insurans.html

Motor Insurance- AIG Claim Procedurs

Motor
1. Comprehensive Policy
A. Own Damage Claim
Notify us immediately after an accident. All accidents must be notified to us irregardless of whether you intend to make a claim or otherwise.
Only send your insured vehicle to our approved panel workshops.
Ensure the following documents are provided to us:
1. Duly completed claim form;
2. Copies of:
a) Policy;
b) Driving license and identity card of driver who was involved in the road accident;
c) Clear copy of insured's identity card if insured was driving the insured vehicle at the time of accident;
d) Copies of insured's update vehicle registration card (both sides);
e) Current road tax sticker;
f) Police report (original or certified true copy); and
g) Police investigation result and sketch plan.
If pursuing KFK (Knock-For-Knock) Claim on your policy, kindly provide us the following:
1. All documents mentioned in item 3 above;
2. Third party vehicle insurance information (by way of Jabatan Pengangkutan Jalan/ Road Transport Department) search;
3. Duly completed KFK declaration letter that you are making a Knock-For-Knock Claim for damage to your vehicle on your policy.
B. Windscreen Claim
For windscreen claims, please provide the following:
1. Duly completed claim form;
2. Copy of police report (certified true copy);
3. Original copy of photographs of damaged windscreen before repair (insured vehicle's registration number must be visible). You need not provide any photos if your damaged windscreen is repaired at our approved panel workshop;
4. Photographs of the replaced windscreen;
5. Updated copy of insured vehicle's registration card; and
6. Original repair receipt.
C. Theft Of Vehicle
Theft claim is normally settled within 3 months from the date of notification and upon completion of investigations.
The following documents are required to process theft claim:
1. Duly completed claim form;
2. Clear copy of your identity card;
3. Original release letter or latest outstanding loan statement from the financial institution/bank which finances the purchase of your insured vehicle;
4. Jabatan Pengangkutan Jalan (Road Transport Department) Form K3, K8, with annexures identified as Lampiran A1 and C1;
5. Original Certificate of Insurance and policy
6. Memorandum & Article of Association, Form 9, Form 24, Form 44 and Form 49 duly certified true copy by your company secretary (for company vehicle only);
7. All your insured vehicle's keys;
8. Original vehicle registration card duly signed by owner; and
9. Police investigation result.
Accident Guard
This is an additional optional coverage on top of your standard motor vehicle insurance.
If you have purchased an additional optional coverage, we only need to know the check-in and check-out dates for repair works carried out at our panel workshop to process your claim for the following benefits arising out of an own damage claim:
Daily cash allowance;
Waiver of betterment cost;
Option of spray painting of whole car
Please note that Daily Cash Allowance is paid to you whilst Waiver of Betterment Cost and Spray Painting of Whole Car are stated in our offer letter for the own damage claim.
2. Third Party Property Damage Claim
If you intend to make a third party claim:
notify the other driver and/or owner who was involved in the road accident with your insured vehicle in writing about your intention to make insurance claim against him. In addition, state that you hold him responsible, and ask him to notify his insurer;
appoint a licensed adjuster to inspect your insured vehicle and thereafter provide you with their loss assessment/report; and
If you do not have the other driver's contact information, you may conduct a search at Jabatan Pengangkutan Jalan (JPJ) - Road Transport Department) to find out who is the other driver's insurer based on the vehicle registration number. Submit to us the following documents:
Submit to us the following documents:
1. Police report;
2. Police sketch plan and key;
3. Police investigation report;
4. Adjuster's report together with photographs of damaged insured vehicle;
5. Original bill and receipt issued by the adjuster for their services ;
6. Copy of your own vehicle insurance policy;
7. Copy of your identity card, driving license and vehicle registration card.
3. Third Party Bodily Indury Claim
In the event you are involved in a road accident causing personal injury or death to any individuals including passengers in your insured vehicle at the time of accident, and if you have purchased for such cover, please ensure you follow the following guidelines:
Accident must be reported to the police within 24 hours after the road accident;
Notify us of the accident immediately;
Do not admit liability to anyone;
Do not enter into any negotiations without our prior consent;
Should you receive any letter and /or summons from the third party's solicitors, please inform us immediately;
You may speak to your insurance broker or our authorised agent to seek clarification.
Note:
The guidelines above is only a summary. For full terms and conditions and details of accident claims procedures, please refer to your insurance policy.
http://sseven-aig.blogspot.com/2008/08/motor-insurans.html

Motor Insurans - AIG

Motor
Motor insurance is a product which provides liability and physical damage coverage to motorists who operate vehicles on public roads.
Coverage:
Core coverage includes physical damage, fire, theft, vandalism as well as third-party liability arising out of collision of insured vehicle. In addition to the core coverage, this policy provides value-added services such as roadside assistance and personal accident & health coverage.
Benefits:
Zero excess at our panel workshops (more than 450 outlets nationwide approved by the General Insurance Association of Malaysia)
Parts for parts replacement
12 months repair warranty
After repair re-inspection
Renewal reminder service
14 days Own Damage Claim Approval (Upon submission of full documentation)
Free RescueCare Breakdown Assistance or Free Promotional gift item
Optional Motor Related Plans and Services:
To enhance your standard cover and for extra peace of mind, you may add any of the optional coverage listed below, for a small additional premium:
Windscreen Cover Special Perils Accident Guard, Strike, Riot and Civil Commotion (SRCC)

Windscreen Cover
Your vehicle's windscreen protects you from the effects of wind, rain and dirt. Yet, it takes just a small, wayward stone to damage your windscreen. Such an occurrence cannot be avoided but you can protect yourself from financial losses arising from these frequent occurrences with our Windscreen Cover.
Coverage:
Covers damage to both the front and back windscreens, inclusive of side windows.
Benefits:
No Claim Discount (NCD) will not be affected when a windscreen damage claim is made.
Replace windscreen with safe laminated double layered glass.
Hassle-free claim settlement. No police report is required for windscreen repairs carried out at any one of our approved panel workshops.
Competitive premium
Special Perils
While everyone has automobile insurance, not many are aware that the standard comprehensive car insurance does not cover damage caused by floods, landslides or tsunamis. Special Perils coverage provides these added protection.
Coverage:
Special Perils covers damage caused by Tsunamis, floods, typhoons, hurricanes, storms, volcanic eruptions, earthquakes, landslides, landslips, subsidences or sink holes, earth or other convulsions of nature.
Benefits:
Reimbursement for total loss of insured vehicle at full market value at the time of claim.
Payment of repair cost excluding excess for damaged vehicle.
Accident Guard
When accidents happen, you may need to bear additional expenses which are not payable under your car insurance policy. Our Accident Guard ensures that you are well covered!
Coverage:
Daily Cash Allowance
You will be paid with daily cash allowance for the first 10 days while your car is getting repaired.
Spray Painting of Whole Car
You have an option to spray paint the whole vehicle despite part damage caused.
Waiver of Betterment Costs
Your contribution towards the cost of new parts replacement will be borne by us.
Strike, Riot and Civil Commotion (SRCC)
An option for a discerning and careful vehicle owner who wishes for a more complete coverage on top of his/her standard comprehensive car insurance.
Coverage:
This product covers the insured vehicle against damage caused by strike, riot and civil commotion.

e-INSURANS - General

The electronic cover notes system under JPJ eINSURANS is part of the e-Government initiative undertaken by the Ministry of Transport for road tax renewal. With effect from 2 January 2005, insurance companies and takaful operators will transmit motor insurance/takaful information electronically to the Road Transport Department (RTD) and policy owners will receive confirmation slip from their insurance companies/takaful operators/agents as proof of insurance/takaful purchase. Upon confirmation of successful transmission by insurance company/takaful operator/agent concerned, policy owners will then proceed to either RTD or Pos Malaysia offices for road tax renewal. The electronic cover notes system will be operational for new registration and renewal of road tax only whereby physical motor insurance/takaful cover notes/policies will not be required for road tax renewal.

Important notice
Vehicle owners must ensure that they:

provide a copy of their vehicle registration card to their insurance company/takaful operator/agent at the point of purchase of motor insurance/takaful cover;


receive the confirmation of successful transmission of their cover note information to JPJ from their insurance company/takaful operator/agent prior to road tax renewal; and


contact their insurance company/takaful operator/agent for assistance in the event they face difficulties in road tax renewal.
http://sseven-aig.blogspot.com/2008/08/motor-insurans.html

by: sseven agen insurans

Thing to Know-Motor Insurance- General

When you are involved in an accident, you may either make an own damage claim or a third party claim:

Own damage claim

This refers to making a claim on your own insurance policy.You will lose your NCD entitlement

When notifying your insurance company of the accident, ask about the names of approved workshops near your location to send your vehicle for repair.

The workshop will commence repairs on your vehicle upon the approval of your insurance company.

Submit the fully completed Motor Accident Report Form together with all supporting document as soon as possible to your insurance company.

Upon completion of repairs, you will be informed by the workshop to collect your vehicle.



Third party claim

You may make a third party claim if you did not cause the accident you were involved in(i.e. someone rams into your car because they beat a red light). You will retain your NCD entitlement.

There are two ways of making a third party claim:

Submit the claim directly to the insurance company of the party at fault, or

If you have a comprehensive policy, submit the claim to your insurance company. You are encouraged to submit your claim to your own insurance policy for speedier claims.

Appoint a licensed adjuster to assess the loss. The workshop or the third party insurance company may advise you on this.

As the third party claimant, you must act to minimise your losses.

Submit the adjuster’s report and the fully completed Motor Accident Report Form together with all supporting documents as soon as possible.


You are eligible to claim from the third party insurance company for ‘loss of use’ and compensation of excess. For the ‘loss of use’ of your vehicle under repair, this is based on the adjuster’s recommendation on the number of days required for your car to be repaired. Insurance companies, at their own discretion, may allow an additional seven (7) working days for any unforeseen or unavoidable delay. A standard scale of daily ‘loss of use’ has been specified by PIAM as follows:


Private Use Vehicles
'Loss of Use' / Day

Up to 1500cc RM30
Above 1500cc – 2000cc RM40
Above 2000cc RM50



Commercial Vehicles


Up to 1 ton RM40
Above 1 ton – 2 tons RM60
Above 2 tons RM90
Trailer Lorries RM120
Buses (Private) RM90
Other Buses (Stage/Express) RM180
Taxi/Hire and Drive RM40

Motorcycles


Up to 250cc RM10
Above 250cc RM15


Or, you may claim the cost of renting a replacement vehicle of equivalent type and capacity for the recommended number of days of ‘loss of use’ as evidenced by a receipt from a licensed car rental company.

Theft claims

In terms of a stolen vehicle, there are a few procedures that must be followed:


You must submit a detailed report about the stolen vehicle, including a police report.

After submitting the claim form, you must cooperate fully with your insurance company or its representative during the course of investigation of the theft claim.

In view that the police and your insurance company will require time to investigate your claim, you will receive the offer of settlement from your insurance company within six months from the theft notification or upon completion of police investigation, whichever is earlier.

by : sseven risk consultancy wakil insurance AIG

Traffic Accident.What should I do? General

If you or a person you know is involved in a traffic accident, it is very important to remain calm and not panic at the situation. The steps below will help.

Be calm and do not panic.

If there are injuries, call 999 for assistance.

If there are no injuries, move your vehicle to a safe area away from traffic, where possible.

Note the names and addresses of the other driver(s) involved.

Note the model and vehicle registration number of the vehicle(s) involved.

Note names and addresses of witnesses, if any.

Sketch a simple diagram of the accident scene and the position of each vehicle right before and after the accident (Photos of the accident scene, if available, can be very helpful).

Exchange information on the names of your respective insurance companies / takaful operators.

Do not discuss on whose fault it was. This may complicate the handling of your claims.

If your vehicle needs to be towed, ensure that the vehicle will be sent to the correct workshop. Call your insurance company / takaful operator or its accident hotline number for the appropriate workshop.

Report the accident to the police within 24 hours.

Inform your insurance company / takaful operator even if you do not intend to make a claim. The third party involved in the accident may make a claim against your insurance company / takaful operator which would cause you to lose your no-claims-discount (NCD).

Complete the claims form in full and include any additional relevant information. If in doubt, ask your insurance company / takaful operator for advice.

If your vehicle is damaged, you may either make an own damage claim or a third party claim. For own damage claims, call your insurance company immediately for advice.If your insurance company recommends or requires that repairs be done at a panel / authorised workshop, then take your vehicle there as advised. Your insurance company will reject your claim if your vehicle is sent to a workshop that is not authorised by your insurance company. Your insurance company will send an insurance loss adjuster to assess the damage to your vehicle before authorising the repairs.

by : S Seven Risk Consultancy-Wakil Insurance

FAQs on Medical and Health Insurance - General

FAQs on Medical and Health Insurance


How do I decide on the best plan for me?

The best MHI plan for you is the one that gives you the greatest flexibility and the most benefits for the lowest cost. Unfortunately, there's no such thing as a standard MHI policy to use as the basis for your comparison. As you would when making any major purchase, you'll need to shop around and get several quotes before choosing a plan. Here are a few points to consider:


How co-payments, deductibles, and co-insurance requirements apply?

What are the benefits covered?

What are not covered?

Does the plan cover the health services that you need?

Can you afford the premiums?

Does the plan cover the private hospitals you're currently using?

Does the plan offer family, as well as individual coverage?

Does the plan provide for pre-existing conditions?


What are the important tips when buying a MHI policy?

Firstly, ask about the different types available. Then,


understand the product features, conditions, limitations, exclusions and benefits;

make sure that the coverage taken under the policy is suitable for your needs;

make sure that you can afford the premium payable under the policy;

make sure that you fully and faithfully declare all the facts that you know or ought to know. Otherwise the policy issued may be void and your claims may not be entertained; and

only buy from registered insurance agents or directly from the insurance company.


I notice that some MHI policies contain the 'guaranteed renewal' condition. What does it mean?

‘Guaranteed renewal’ means that the insurance company guarantees the renewal of the policy, subject to the terms and conditions specified in the policy. The renewal premiums payable,however,is not guaranteed nor fixed.In practice, the renewal of the policy is guaranteed until certain events have occurred, such as:


You did not pay your premium or did not pay it on time;

You have misrepresented a material fact, e.g. age or a medical condition, during your application;

You have cancelled the policy;

The total claims of the policy have reached the lifetime limit specified; and

You have attained the coverage age limit.


When will my policy be effective?

As soon as your application is accepted and has been received by the insurance company and the premium duly paid.


Under what circumstances will my cover be cancelled?

On the policy anniversary, or when the total benefits paid have reached the lifetime limit, or when the total benefits paid in any particular year have reached the annual overall limit. The policy may be cancelled if there is a misrepresentation of material fact, e.g. medical condition, during your application.


Are there any exclusions?

Yes, these include pre-existing conditions, HIV leading to AIDS, elective surgery other than medically necessary, psychiatric disorders, congenital abnormalities, hospitalisation for investigatory purposes and routine physical check-up, among others.


Is SARS covered under existing MHI policies?

If your policy is a hospital and surgical insurance policy, you can claim for losses incurred due to SARS because SARS is not one of the conditions excluded under the policy. However, if your policy is a critical illness policy, you are not covered for SARS because SARS is not one of the critical illnesses covered under the policy.



by: Wakil Insurans AIG

FAQs on Travel Insurance - General

FAQs on Travel Insurance


What should I do if my insured belongings are lost or damaged during my travel?

You must promptly notify the local police and the hotel, transportation company or transportation terminal authority, whichever is applicable. You should also take all reasonable measures to protect, save and recover your belongings.


How soon will claims be paid?

Claims for damage will be paid immediately when proof of such damage is presented to your insurance company. For lost belongings, claims will be paid after the lapse of a reasonable time (normally 30 days) from the day of loss.


What exchange rates will be applicable?

If you are hospitalised outside Malaysia, any bills paid in a currency other than the Malaysian Ringgit will be payable based on the quoted exchange rate in effect on the date that you were discharged from the hospital.

by: S Seven Risk Consultancy

FAQs on Personal Accident - General

FAQs on Personal Accident Insurance

If there are changes to my life profile, must I inform my insurance company?

Yes, you are required to inform your insurance company should there be changes regarding your address, occupation and personal pursuits which would affect your risk profile.

Must I inform my insurance company about other insurance policies that I take?

Yes, you must inform your insurance company of any other insurance policies against accident or incapacity, except for a motor insurance policy.
My friend was covered under a PA policy. He had a fatal accident while riding a motorcycle but the insurance company repudiated the death claim. Why?

Your friend may have taken the standard PA policy which excludes death or injury while operating or riding a two-wheel motor vehicle. However, by paying additional premiums, policy owners can extend their policy coverage to include the policy exclusions.

A claim was made for total and permanent disability (TPD) but was repudiated by the insurance company on the ground that the claimant could still work. What is the definition of TPD?

Under a PA policy, TPD is defined as a disability which prevents the insured from performing any work, occupation or profession. The insurer may have repudiated the claim because there is no evidence that the disability has prevented the insured from performing any type of work at all.

by: sseven insurance agent AIG

FAQS on HouseOwner/Householder- General

FAQs on Houseowner/Householder Insurance


I have taken a loan to buy an apartment. The financier wants me to buy insurance cover for the apartment, even though I am already paying for the insurance policy taken by the management corporation (MC) on the property. Why must I pay for double insurance? Can I pay for one policy only?

Under the Strata Title Act, it is mandatory for the MC of buildings such as apartments and condominiums to purchase fire insurance policy for the whole building. The individual unit holder is then required to pay to the MC, his/her respective premium portion. If the unit is purchased through a loan, the financiers would also normally require the borrower to obtain an insurance policy for the unit, leading to a situation of double insurance.However, if you have attained the loan from a banking institution under BNM’s supervision, it has been agreed that borrowers will not be required to buy another insurance policy for their apartments or condominiums. Instead, the banking institutions will accept the insurance policy already purchased by the MC subject to certain terms and conditions. If your loan is not from a lending institution under the supervision of BNM, you can negotiate with the institution concerned.


If I own an apartment, how will I be compensated under the master policy taken by the MC in the event of a loss?

In the event of a loss, the insurance company will compensate the MC as the master policy owner. As the unit owner, you can get your compensation from the MC.


What type of policy should I purchase to protect my house and the contents?

The compensation of insurance claims depends on the type of policy that you have purchased. If you have the basic fire policy, you will only be compensated against the loss/damage of the building by fire, lighting or explosion. The houseowners policy provides you with additional cover such as flood, burst pipes etc. In order to protect the contents of your house, you may purchase the householders policy.


I made a theft claim under my householders policy when my maid ran away and took with her some of my jewellery. However the insurance company repudiated my claim. Can the insurance company do this?

One of the basic conditions in a householders policy is that the insurance company will only pay compensation for theft if there has been violent breaking into or out of your house. In this case, since the maid did not break into the house, you will not be eligible for compensation.


I obtained 50% financing for the purchase of my house. The bank required me to purchase insurance cover up to the amount of the loan. Is this adequate cover?

In line with the principle of indemnity, the insurance company will compensate you based on the sum insured or market value of the property at the time of loss, whichever is lower. If you had insured your house at lower than its market value, you are considered to be self-insured for the difference between these values. In this case, in the event of loss/damage, you will be compensated only up to 50%.


There are many items to be insured under a householder policy. How do I substantiate my claims if there has been a loss?

It is very important to be able to provide evidence to support any claim. Make sure that you keep the invoice, bill or payment voucher of such items to substantiate your claim.

What type of insurance policy should I buy to protect my house which is near or on top of a hill?

When a house is near or on top of a hill, there is a higher risk from landslide. As such, it is advisable to ensure that your house insurance policy covers subsidence and landslide. To also protect the contents of your house, you may buy the householders policy.

FAQ on Motor Insurans - General

If I buy a comprehensive motor policy, will all my losses be covered?

Not all losses will be covered by a comprehensive policy. Under a comprehensive policy, you will be covered for claims made by third party or parties for deaths, bodily injuries and property damage caused by your vehicle. You will also be covered for loss of or damage to your vehicle due to fire, theft or any accidental causes. However, there are many exclusions. You should check your policy for these exclusions.You should also note that deaths and bodily injuries of the driver and passengers of your vehicles are not covered under your comprehensive cover.


Why can't I choose to insure my vehicle at any value I think appropriate? When I make a claim, I expect the insurance company to pay me the amount I have insured my vehicle for.

It is essential to insure your vehicle at the market value and not any value you choose to avoid over-insurance or under-insurance.Over-insurance occurs when you insure your vehicle for a sum higher than the market value. When you make a claim, the insurance company will only pay you the market value of your vehicle. If you over-insure your vehicle, you have paid higher but unnecessary premiums.Under-insurance occurs when your sum insured is lower than the market value. In such a case, you are considered to ‘self-insure’ the difference between these two values. Therefore, in the event of damage, you have to bear your insured portion out of the total repair cost yourself. E.g. if you insured your vehicle up to 80% of the market value, the insurance company will only pay 80% of the total repair cost.Always check with the vehicle franchise holder on the market value of your vehicle to avoid under or over-insuring your vehicle. You may ask your insurance company/agent to confirm with the vehicle franchise holder on the appropriate amount of sum insured.


In an accident, when I am not at fault, how can I claim against the party at fault?

You have a choice either to submit your third party claim to the third party insurance company or, if you have a comprehensive policy, to submit your third party claim against your own insurance company. If you submit the claim to your own insurance company, you will not lose your NCD and the claim will be processed more speedily as the company already has your background information.However, you need to submit your claim for ‘compensation for actual repair time’ (CART) claims for compensation of ‘excess’ to the third party insurance company, which is responsible for such claims. The number of days for CART that you can claim is based on the number of days needed for your vehicle to be repaired as determined by the appointed adjuster assessing the damage to your vehicle.


If I am involved in a chain collision accident, who should I claim against?

In a chain collision accident, if there is damage to your vehicle (the procedure is not applicable for deaths and bodily injuries) you should claim from the insurance company of the vehicle immediately behind you and you will not lose your NCD. If your vehicle is the last vehicle in the chain collision, you will not be able to make any claim against the other vehicles involved. However, you can make an own damage claim from your insurance company if you have a comprehensive cover.


Even though my vehicle has been repaired after an accident, its value has gone down. Why can't I claim for depreciation since the accident was not my fault?

This is in line with the principle of indemnity. Your insurance policy will indemnify your loss/damage by putting you back to the similar position just before the accident. You therefore cannot 'profit' from an insurance settlement. When the damaged vehicle is repaired, it is restored to the condition before the accident. Hence, the issue of depreciation should not arise.


Why does the insurance company take such a long time to settle my claim for my stolen vehicle?

The insurance company will normally pay a theft claim within six months or when the police investigations have been completed, whichever is earlier. The time is required for the insurance company as well as the police to conduct their investigations and for the possibility that the vehicle can be recovered during the investigation.


When I made a claim to the insurance company of the vehicle that knocked into my vehicle, the company refused to pay my claim because its policy owner did not make any report. Why is this so?

An insurance policy is a contract between the insurance company and the policy owner. If the policy owner fails to report to the insurance company about an accident, the insurance company will not be able to entertain the claim made by any third party as the company has no contract with the third party.Therefore, the third party insurance company will only be responsible for handling your claim if its policy owner has requested it to step into his/her shoes for the loss/damage caused by him in the accident.However, for the convenience of the general public, insurance companies have agreed to entertain third party claims even though their policy owners fail to make a report. You need to submit the claim for the insurance company's consideration within 14 days from the date of the accident together with the following documents:a) a copy of your police report; b) a copy of the policy owner's police report, if available; c) if (b) is not available, your Statutory Declaration declaring the circumstances of the accident and identifying the policy owner's vehicle as a party to the accident; andd) a copy of the police investigation report or a notification by the police as evidence that the insurance company's policy owner was at fault.


Can the insurance company repudiate claims under the following scenarios?(a) A car lent to a friend who subsequently 'disappeared' with the car.(b) A car that is advertised for sale and one of the potential buyers takes the car for a test drive and fails to return.

These cases are deemed to be acts of criminal breach of trust and cheating. There is also negligence on the part of the car owner in not exercising due care as to whom the property has been entrusted to. Loss/damage arising from such cases are not payable as these are excluded under the insurance contract.

by: sseven wakil insurans AIG

About AIG

Our Corporate Profile
Getting to Know AIG General Insurance Malaysia AIG General Insurance (Malaysia) Berhad is a subsidiary of American International Group, Inc. Today, AIG General Insurance has 13 branches nationwide, offering quality insurance protection plans to the Malaysian public.AIG General Insurance has participated actively in the development of the Malaysian economy and is a leading general insurer in terms of proactive marketing, specialized insurance products, innovative insurance solutions, capacity and responsive insurance claims services.
AIG At A Glance American International Group, Inc. (AIG), a world leader in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional and individual customers worldwide through the most extensive property-casualty and life insurance networks of any insurer.In addition, AIG companies are leading providers of retirement services, financial services and asset management around the world. AIG's common stock is listed on New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo.
Why choose AIG General Insurance AIG General Insurance's ratings are among the highest of any insurance and financial services organization in the world.AIG General Insurance has an extensive range of products and solutions to provide our customers with the necessary protection and financial security to best fit their needs, be it on self, family, work, business investments or future plans.With its assurance of the quality protection plans and services, AIG General Insurance is the logical choice for your peace of mind.
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Our Vision & Mission
AIG General Insurance's long-term commitment and objective in conducting business in Malaysia are reflected in its strategic VISION and MISSION statement.
Our Vision To be the world's first-choice provider of insurance and financial services. We willcreate unmatched value for our customers, colleagues, business partners and shareholders; as we contribute to the growth of sustainable, prosperous communities.
Our Mission To provide people and business with financial security through:
Actively developing market driven product
Investing in people development
Giving prompt and caring services
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Our Core Values
People: Develop diverse talent. Reward excellence.Customer Focus : Anticipate their priorities. Exceed their expectations.Performance : Be accountable. Manage risks. Deliver AIG's strength.Integrity : Work honestly. Enhance AIG's reputation.Respect : Value all colleagues. Collaborate with one another.Entrepreneurship : Seize opportunities. Innovate for and with customers.

by: sseven wakil insuran AIG

Claim Services - AIG

We recognise that accidents are stressful; more so when there are injuries involved. At AIG General Insurance, we are committed to getting you back on your feet - financially at least, as soon as possible. This is why we place importance in processing your claims in a quick and efficient manner

Personal Claims

House Owner/House Holder
Motor
Travel
Accident & Medical
Business Claims

Casualty
Engineering
Financial
Marine
Property
Panel Workshops

Click here to find an AIG General Insurance panel workshop nearest to you.

by: sseven insurance agent AIG

Business Insurance - AIG

Property

Fire Insurance
Fire Consequential Loss Insurance
All Risks Insurance
Burglary Insurance
Money Insurance
Plate Glass Insurance
Property Terrorism Insurance
Packaged Property Insurance
Energy
Liabilities

Directors & Officers Management Liability
Professional Liability Insurance
Financial Institutions Liability Insurance
Public Liability / Comprehensive General Liability Insurance
Employers Liability Insurance
Product Liability Insurance
Workmen Compensation Insurance
Other Liability Insurance
Engineering

Boiler and Pressure Vessel Explosion
Contractors' All Risks (CAR) / Erection All Risks (EAR)
Electronic Equipment Insurance (EEI)
Machinery Breakdown
Personal Accident & Medical

Supreme Cover
Income Assurance Plan
Employee Medical Plan
Enrich Employee Protection Plan
Critical Illnesses Plan
Marine

Marine Cargo Insurance
Travel

AIG Corporate Assist Business Travel Insurance

by : sseven wakil insurance AIG

AIG Assist Global Travel Protection

AIG Assist Global Travel Protection
When you are travelling for business or leisure, there are many circumstances that may force you to cancel your trip to return home early or seek medical treatment abroad.
AIG Assist is designed to protect you and give you peace of mind while travelling abroad. From medical emergency to loss of luggage, we've got you covered.
A. Medical Benefits
Medical and Accidental Dental Expenses
Medical Treatment in Malaysia
Alternative Medicine
Daily Hospital Income
Double Hospital Income Benefit for admission in ICU
B. Evacuation and Repatriation Benefits
Emergency Medical Evacuation and Repatriation of Mortal Remains back to Malaysia
Compassionate Visit (Due to Hospitalisation of Insured Person)
Compassionate Visit (Due to Insured Person's Death)
Child Guard
C. Personal Accident Benefits
Accidental Death and Permanent Disablement
Child Education Fund
D. Travel Inconvenience Benefits
Travel Cancellation
Travel Curtailment
Travel Postponement
Loss of Travel Deposit and/or Fares
Travel Delay
Travel Reroute
Overbooked Travel
Travel Misconnection
Baggage Delay
Baggage Damage During Travel in Air Common Carrier
Damage or Loss of Personal Effects
Loss of Travel Documents
Loss of Money
E. Other Travel Related Benefits
Personal Liability to Third Parties
Credit Card Indemnity
Home Guard
24 Hours Worldwide AIG Travel Assistance
Why choose AIG ASSIST GLOBAL TRAVEL PROTECTION?
No age limit for domestic and per trip plan
Unlimited emergency medical evacuation and repatriation making it hassle-free for you and your family
High Medical and Accidental Dental Expenses reimbursement
High Personal Accident Benefits
Chartered Flights are included
Winter sports, scuba diving, mountain climbing for leisure purpose are covered at no additional premium
No deductibles - you will be fully reimbursed for all approved claims
Covers death or injury resulting from acts of Terrorism and Hijacking
Accidental Miscarriage
Maximum day of coverage per trip is 210 days

by : sseven wakil insurans AIG

Travel - AIG

AIG Assist Global Travel Protection
When you are travelling for business or leisure, there are many circumstances that may force you to cancel your trip to return home early or seek medical treatment abroad.
AIG Assist is designed to protect you and give you peace of mind while travelling abroad. From medical emergency to loss of luggage, we've got you covered.
A. Medical Benefits
Medical and Accidental Dental Expenses
Medical Treatment in Malaysia
Alternative Medicine
Daily Hospital Income
Double Hospital Income Benefit for admission in ICU
B. Evacuation and Repatriation Benefits
Emergency Medical Evacuation and Repatriation of Mortal Remains back to Malaysia
Compassionate Visit (Due to Hospitalisation of Insured Person)
Compassionate Visit (Due to Insured Person's Death)
Child Guard
C. Personal Accident Benefits
Accidental Death and Permanent Disablement
Child Education Fund
D. Travel Inconvenience Benefits
Travel Cancellation
Travel Curtailment
Travel Postponement
Loss of Travel Deposit and/or Fares
Travel Delay
Travel Reroute
Overbooked Travel
Travel Misconnection
Baggage Delay
Baggage Damage During Travel in Air Common Carrier
Damage or Loss of Personal Effects
Loss of Travel Documents
Loss of Money
E. Other Travel Related Benefits
Personal Liability to Third Parties
Credit Card Indemnity
Home Guard
24 Hours Worldwide AIG Travel Assistance
Why choose AIG ASSIST GLOBAL TRAVEL PROTECTION?
No age limit for domestic and per trip plan
Unlimited emergency medical evacuation and repatriation making it hassle-free for you and your family
High Medical and Accidental Dental Expenses reimbursement
High Personal Accident Benefits
Chartered Flights are included
Winter sports, scuba diving, mountain climbing for leisure purpose are covered at no additional premium
No deductibles - you will be fully reimbursed for all approved claims
Covers death or injury resulting from acts of Terrorism and Hijacking
Accidental Miscarriage
Maximum day of coverage per trip is 210 days

by: sseven insuran agen AIG

Extended Warranty - AIG

Extended Warranty
Our Extended Warranty allows you to extend your electrical appliances' manufacturers' warranties up to a maximum of 5 years from the date of purchase with similar manufacturer's protection against failures and defects.
Benefits:
Peace of Mind
Be assured that your electrical appliances purchased from our participating partners are protected in the event of product failure beyond the standard manufacturer's warranty period.
Financial Protection
No unexpected financial drain to replace or repair your electrical appliances upon failure.
'New for Old'
If it is uneconomical to repair your electrical appliances, it will be replaced with the closest equivalent model.
Full Coverage
Free parts replacement and repair charges

by: sseven agen insuran AIG

Home Owner - AIG

Home Contents
More than just a house, your home is where the heart is. It is where you have invested a lot of time, effort and money. However, it could be ruined overnight due to burglary, fire or natural disasters. While heartache may be unavoidable, you can control your financial losses with our Home Contents coverage.
Coverage:
This plan insures your sofa, dining set, fans, air-conditioners, light fittings, refrigerator, washing machine, microwave oven, kitchen electrical appliances, TV, VCD/VCR (excluding Astro Dish and decoder), Hi-fi, audio visual accessories, beds and mattresses, desktop computers (excluding laptops, PDAs, cameras and video cameras).
Even spoilage of perishables in refrigerators due to an insured peril and loss of cash due to fire or forcible theft is covered under this plan.
Insured Perils: Fire; lightning; explosion; aircraft damage; impact damage; theft; resultant damage caused by bursting or overflowing of domestic water tanks, apparatus or pipes; and windstorm.
Benefits:
Replace damaged or lost electrical appliances with new ones.
No average clause i.e. we will not penalize you for any under insurance
Home Protection
Claims Services

by : sseven wakil insuran AIG

Personal Accident & Medical - AIG

Personal Accident & Medical
Juara PA
Juara PA is a simple yet effective Personal Accident Plan consisting of features that give you and your family protection every minute of the day. For as low as RM0.50 a day, you are covered for up to RM323,000
Benefits:
Accidental death and disablement
Total permanent disablement
Accidental medical reimbursement
Hospital income
Inconvenience allowance
Why choose JUARA PA?
Total permanent disablement with 50% more than principal sum assured of accidental death benefit.
Renewal bonus of 10% per policy year, up to 50% of principal sum assured of accidental death benefit.
Entry age up to 75 years old.
Discounted premium for non-motor cyclists.
Benefit for death due to dengue fever.
Personal liability up to RM100,000.
Kidnap benefit up to RM25,000.
Purchase of prosthesis / wheelchair up to RM1,000.
Benefit for death or injury resulting from terrorism.

by : sseven agen insuran AIG