In our efforts to ensure the safety of our business partners, customers and employees during face to face interactions within our premises, all precautionary measures that are aligned with the Standard Operating Procedure guidelines established by the government will be taken accordingly. 

Here are the guidelines to be followed by visitors before entering our branch premises: 

(Note: we highly encourage business partners and customers to visit our branch premises only for essential business services that are unable to be conducted either through our digital/electronic platforms or customer service hotline). 

	Temperature screening prior entering our premise		Use hand sanitiser during your visit
	Wear face mask		Keep safe 6 feet distance apart from each other
	Complete Health Assessment Form before entering our premise		Limited number of customers allowed at the the waiting area

Stay safe and keep practicing good hygiene to reduce the risk of Covid-19 infection.

#KITAJAGAKITA.

Frequently Asked Questions

1. How much discount would I get?
   Policy transacted during this premium relief period will enjoy up to 5% discount from normal rates. The discount is still subject to BNM regulation on the calculation of maximum and minimum premium that a company can charge. The premium will reflect the 5% discount and will not appear as a separate item on the policy printing.
2. What should I do to enjoy the premium discount?
   Nothing. The system will automatically factor in the discount.
3. How long will this discount be available?
   The premium relief period will run for a limited time – policy transacted starting from 5th May 2020 to 5th July 2020. 
4. I have just received my Renewal Notice, is this the premium I have to pay?
   No, there is no discount applied to the premium in the renewal notice. Please contact your agent to quote for a new premium, before the premium relief period expires.
5. I have just renewed my policy before this premium relief period but the effective date is within the premium relief period. Can I get a 5% discount?
   Unfortunately, the policies which have been issued are not entitled for the discount.
6. Why the premium this year is still higher than last year despite the discount?
   The premium charge is reflecting the risk that the company perceived this year, based on many factors including inflation. The premium quoted has already discounted from the original premium you would otherwise need to pay.
7. The receipt is not showing the exact premium which I have paid to my agent. Will I get a refund on the premium difference?
   All agents representing Liberty Insurance Berhad are well trained and regulated by Bank Negara Malaysia. Please speak to your agent and request for a refund on any extra premium charged. 

Soalan Lazim (FAQs)

1. Berapakah diskaun yang akan saya perolehi?
   Polisi yang dikeluarkan dalam tempoh promosi premium ini akan menikmati diskaun sehingga 5% dari jumlah yang sepatutnya anda bayar. Potongan diskaun masih tertakluk pada peraturan BNM yang melibatkan pengiraan premium maksimum dan minimum yang boleh dikenakan oleh sesebuah syarikat. Premium tersebut akan mendapat diskaun 5% dan tidak akan dipaparkan sebagai item yang berasingan di dalam polisi.
2. Apakah yang harus saya lakukan untuk menikmati diskaun premium?
   Sistem secara automatik akan mengambil kira diskaun harga.
3. Berapa lamakah promosi diskaun ini akan berlangsung?
   Promosi premium akan berlangsung untuk masa yang terhad iaitu mulai 5 Mei 2020 hingga 5 Julai 2020.
4. Saya baru sahaja menerima Notis Pembaharuan, adakah ini premium yang harus saya bayar?
   Tidak, tiada diskaun harga yang dikenakan untuk premium di dalam notis pembaharuan. Sila hubungi ejen anda untuk sebut harga dan premium yang baharu sebelum tempoh promosi premium berakhir.
5. Saya baru sahaja memperbaharui polisi sebelum tempoh promosi premium ini tetapi tarikh kuat kuasa polisi adalah dalam tempoh promosi premium. Bolehkah saya mendapat diskaun 5%?
   Kami memohon maaf, polisi yang telah dikeluarkan tidak layak mendapat potongan harga.
6. Mengapakah premium tahun ini masih lebih tinggi daripada tahun lalu walaupun terdapat diskaun?
   Bayaran premium mengambil kira risiko yang dijangka oleh syarikat pada setiap tahun, berdasarkan banyak faktor termasuk inflasi. Premium yang disyorkan telahpun diberi diskaun daripada premium asal yang anda perlu bayar.
7. Resit tidak menunjukkan premium sebenar yang telah saya bayar kepada ejen. Adakah saya akan mendapat bayaran balik dari lebihan premium?
   Semua ejen yang mewakili Liberty Insurance Berhad adalah terlatih dan dikawal selia oleh Bank Negara Malaysia. Sila hubungi ejen anda untuk bayaran balik lebihan premium.

Dear Valued Business Partners and Customers,

The Movement Control Order (MCO) issued by the Government was enforced from 18 March 2020 and has now been extended to 28 April 2020. This has effectively put all sectors except for essential services under lockdown with restrictions on movements within Malaysia. 

As this is a mandatory lockdown upon a governmental order beyond the control of policyholders, we are pleased to confirm that all relevant Fire policy coverage which are conditioned on the premise/dwelling being occupied, will not be affected by the restrictions imposed solely by the MCO. However, this is not applicable to premises unoccupied prior to or not related to MCO. The same is also applicable to the peril Sprinkler Leakage Endorsement where the un-occupancy of 30 days is solely due to the MCO.

In regards to Burglary/Theft and Money policies, similar approach will also be adopted.

Policyholders are not required of additional actions, should the un-occupancy is solely resulting from MCO. This notice is however not applicable to premises unoccupied prior to or not related to the MCO.

Thank you.

The Management
Liberty Insurance Berhad 

Frequently Asked Questions

• How does this benefit me or my business?
  In the mentioned policies, it is a standard condition in the Policy that you must inform Liberty Insurance if your building or any contents insured in the insured property becomes unoccupied for a period of more than thirty (30) days or the insurance cover will cease. 
  
  However, we will waive the said condition and maintain your insurance cover if the building is unoccupied for more than 30 days as a result of the MCO. Coverage will not be affected.
   
• Do I need to pay any additional premium for this?
  No.
   
• What should I do if my insured premises is unoccupied due to the MCO for more than 30 days?
  You do not need to do anything at this moment.
   
• What if the MCO continues to be extended beyond 28^th April 2020?
  We will continue to maintain the cover of your insurance policy.
   
• What if my insurance policy expires during this MCO or during the further extension of MCO beyond 28^th April 2020?
  We will continue to maintain your insurance cover but please contact our authorised Agent or Customer Care at 1-300-888-990 or 03 2619 9000
   
• What are the applicable insurance policies?
  The above is applicable to Fire Insurance, Burglary/Theft and also Money policies
   
• What if my insured property is already untenanted before the MCO began on 18^th March 2020?
  The consideration given herein is only applicable for any mandatory closures solely resulting from the government declared MCO.
   
• What should I do if my property has been vacant before the MCO?
  Please contact our authorised Agent or contact Customer Care at 1-300-888-990 or 03 2619 9000
   
• What if my insurance policy is already being insured as Unoccupied or Vacant?
  No action required as your cover will maintain as it is.

In view of the recent Novel Coronavirus outbreak that has been widely reported in the media and alerts have been issued by the World Health Organisation (WHO) , Liberty Insurance Berhad is classifying this event as known and foreseen effective 23rd January 2020.

Therefore, any damages or losses claims arising from the situation in connection with the Novel Coronavirus outbreak for policy purchase on or after 23rd January 2020 will not be covered.

Travellers who purchased or confirmed travel insurance policy on or after 23rd January 2020 will not be covered as the Novel Coronavirus outbreak would not be considered ‘unforeseeable’. 

For any further enquiries, please contact our customer service representative at 1300-888-990 or e-mail to This email address is being protected from spambots. You need JavaScript enabled to view it..