1. Protect Your Home (“Campaign”) is organised by Liberty General Insurance Berhad (formerly known as AmGeneral Insurance Berhad) (“LGIB”).
2. The Customer shall read and understand these Terms and Conditions before participating.

 

Campaign Period

3. The Campaign shall commence from 1 Sept 2024 to 30 Nov 2024, both dates inclusive unless notified otherwise (“Campaign Period”). 
4. LGIB reserves the right to terminate the Campaign at any time without prior notice.

 

Eligibility

1. The Campaign is open to all new and existing customers who purchase any of the eligible Home Insurance Products per Clause 5 below (“the Participants”) from LGIB or through any of LGIB’s authorised intermediaries.
2. Employees of LGIB are not eligible to participate in this Campaign.
3. This Campaign applies to new or renewal of policies from Liberty, Kurnia and AmAssurance brand’s Home Insurance Products issued by LGIB and the insurance premium of which is fully paid for the said policies during the Campaign Period, will automatically be eligible for entry into the Campaign:

• New Home Insurance Products, subject to a minimum premium of RM280;
• Renewal of Home Insurance Products, subject to a minimum premium of RM380.

4. Any policy issued after the Campaign Period has ended is not eligible for the Campaign.
5. The list of eligible Home Insurance Products:

• Houseowner & Householder
• Houseowner
• Householder
• Householder Plus
• Houseowners / Householders Legal Shield
• Houseowners Legal Shield
• Householders Legal Shield
• Household Guard
• HomeOne

 

Shortlisting and selection of Winners

6. The selection of Bi-Weekly Prizes winners will be based on the total policies received at the end of the qualifying selection period (“Campaign Selection”) during the Campaign Period:

• Campaign Selection 1: 1 September – 15 September 2024;
• Campaign Selection 2: 16 September – 30 September 2024;
• Campaign Selection 3: 1 October – 15 October 2024;
• Campaign Selection 4: 16 October 2024 – 31 October 2024;
• Campaign Selection 5: 1 November – 15 November 2024; and
• Campaign Selection 6: 16 November – 30 November 2024.

7. The Grand Prizes winners selection will take place after the end of Campaign Period. The selection of Grand Prizes winners (“Campaign Grand Prize Selection”) will be based on the total policies received during the Campaign Period.
8. Each policy entitles the Participant to one (1) entry in the Campaign. Once a policy or a Participant has won a prize, the policy or the Participant will no longer be eligible to be part of subsequent draws.
9. All entries are sorted randomly and the total number of entries are divided by 30, rounded down to the nearest whole number to get the shortlisted entries (i.e. 3,000 entries divided by 30 equals to 100, resulting in every 100th entry to be shortlisted: 100th, 200th, 300th, …, 2,900th, 3,000th).
10. The first thirty (30) Participants selected during each Campaign Selection as per Clause 6 above shall be shortlisted as the winners for the Bi-Weekly Prizes (“Shortlisted Winners”) and will be required to perform the following steps to win the Bi-Weekly Prizes:

• Verify their identity; and
• Answer a simple question related to this Campaign correctly.

11. The first six (6) Participants who are shortlisted based on the total number of entries during the Campaign Grand Prize Selection per Clause 7 shall be shortlisted as the winners for the Grand Prizes (“Shortlisted Winners”) and will be required to perform the following steps to win the Grand Prizes:

• Verify their identity; and
• Answer a simple question related to this Campaign correctly.

12. The Shortlisted Winners will be contacted by Liberty Quality Assurance and Training team based on the contact information provided during the policy submission process.
13. In the event LGIB is unable to contact the Shortlisted Winners after three (3) attempts (e.g. no reply, telephone number not in service, the answerer does not know the Shortlisted Winner) and/or failure of the Shortlisted Winner to answer the question correctly, LGIB reserves the right to replace Shortlisted Winner by shortlisting the next winner from the pool of total eligible Participants using the same process stated herein. LGIB shall not be held liable whatsoever in the event the Shortlisted Winner is not reachable for whatever reasons. 
14. All Shortlisted Winners who have been verified and have answered the question correctly will be deemed as confirmed winners and will be entitled to receive the prize (each for Consolation Prizes or Grand Prizes respectively).
15. The confirmed winners will be announced and published on the Liberty and Kurnia Insurans Facebook page.

Contest Prizes

16. The Prizes for this Campaign are:
    

    Type	Prizes	Total giveaways over the Campaign Period
    Grand Prizes	6 x Dyson Electronic Household Goods	6
    Bi-Weekly Prizes (12 weeks)	Bi-Weekly: 30 x RM50 Touch ‘n Go eWallet Reload PIN	180

 

17. LGIB reserves the right to substitute any prize with another prize of similar value. All confirmed winners are not allowed to exchange the prizes for cash.
18. All prizes will be delivered to the confirmed winners within two (2) months of the confirmed winners’ announcement date per Clause 14 above.
19. All cost, fees and/or expenses incurred or to be incurred by the confirmed winners in relation to the Campaign and/or the claiming of the Prize, which shall include but not limited to the cost for delivery, accessories, warranty, insurance and/or any other costs, are the sole responsibility of the Prize Winners.
20. Each confirmed winner shall provide accurate information of their mobile phone number and/or email address during the purchase of the Home Insurance Products per Clause 1 and 5 above to receive the Prize. LGIB shall not be liable for any loss, damage or claim suffered or incurred by the confirmed winners due to the receipt and/or redemption of Prize by any third party, if the confirmed winners decided to provide any third party’s phone number and/or email address.
21. The Bi-Weekly Prizes (“RM50 Touch ‘n Go eWallet Reload PIN”) will be delivered to the confirmed winners’ Touch ‘n Go eWallet for direct credit or in the form of WhatsApp message or to their email address registered with LGIB during the purchase of the Home Insurance Products. 
22. LGIB shall not be responsible for the activation of the RM50 Touch ‘n Go Reload PIN once it has been disbursed to the confirmed winners.
23. The confirmed winners are responsible to peruse the RM50 Touch ‘n Go Reload PIN within the prescribed validity period of the RM50 Touch ‘n Go Reload PIN.
24. The Prizes are non-transferable to any other party or parties and is not exchangeable for cash or different prizes or reward of similar value or any other alternatives in any circumstances.
25. LGIB is not in any way endorsing, sanctioning, approving, or supporting the brand(s) or merchandise of the prizes. Any query and/or dispute on the usage of the prizes must be directed to and resolved directly with the respective vendors.
26. Venue and time of the prize giving will be announced from time to time. LGIB reserves the rights to postpone the predetermined date and venue of the prize giving ceremony to a later date, which shall be notified by LGIB to the confirmed winners in case of any unforeseen circumstance.

 

General Terms and Conditions of the Campaign

1. By participating in this campaign, the Customer will be deemed to have read, understood and agreed to be bound by the Terms and Conditions of this campaign as stated herein and any additional terms and conditions stipulated by LGIB including the decisions of in all matters related thereto (“Terms and Conditions”).
2. LGIB reserves the right to vary the terms and conditions of this Campaign at any time without giving prior notice and without incurring any liability.
3. Any cancellation, termination, withdrawal or suspension by LGIB of this Campaign will not entitle the Customer to any compensation from LGIB for any and all loss or damage that may be suffered or incurred by the Customer as a direct or indirect result of the act of cancellation, termination, withdrawal or suspension.
4. LGIB reserves the right (at its own discretion) to disqualify any confirmed winner and/or withhold or confiscate the prizes if the policy is found to be cancelled prior to the disbursement of prizes.
5. LGIB’s determination of all matters relating to this Campaign shall be final and conclusive. In the event of any inconsistency between these Terms and Conditions and any marketing or promotional materials relating to this Campaign, these Terms and Conditions shall prevail.
6. Where LGIB suspects any Customer is committing any form of unlawful and/or fraudulent activity for the purpose of participating in the Campaign, LGIB reserve the right to report such activity or suspicion to the police or relevant authorities.
7. LGIB would like to alert the Customer to take reasonable precautions when receiving any phone calls and messages requesting for their personal information during and/or after the Campaign. LGIB would also like to advise our valued Customers to call our Liberty Customer Service for verification regarding the Campaign.
8. By participating in this Campaign, the Customer hereby gives consent for their personal data and/or information to be processed in accordance with the Personal Data Protection Act (“PDPA”) 2010. Please refer to our full Privacy Notice on www.libertyinsurance.com.my, www.kurnia.com or www.amassurance.com.my for further information.
9. For any queries regarding this Campaign, kindly contact our Liberty Customer Service at 1 300 888 990 for Liberty, 1 800 88 3833 for Kurnia or 1 800 88 6333 for AmAssurance.
10. These Campaign Terms and Conditions are governed by and construed under the laws of Malaysia.