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CERTIFICATE WORDING
This certificate wording serves to disclose the terms & conditions of
this Rental Excess Damage Takaful certificate underwritten by Hong
Leong MSIG Takaful Berhad (HLM TAKAFUL), with assistance
services provided by Mondial Assistance.
To understand this certificates significant features, benefits and risks, we
advise that you read the following:
Claims set out certain obligations that you and we have, which may
determine the outcome of your claims settlement
IMPORTANT MATTERS
ABOUT THIS CERTIFICATE WORDING
INTRODUCTION
This certificate wording sets out the cover provided and the terms,
conditions and exclusions which apply. You need to read it carefully
to make sure you understand it entirely and that it meets your needs.
Any legal liability arising out of the use of the Motor vehicle
BENEFIT LIMIT
Rental Excess Liabiilty
Mondial Assistance Services (Malaysia) Sdn Bhd is the agent for HLM
TAKAFUL to arrange the certificate and provide general advice and
services on our behalf.
Coverage is available to :
(a) a Malaysia citizen or
(b) a Permanent Resident of Malaysia or
(c) a Malaysian Employment Pass Holder and/or Work Permit Holder
This Rental Excess Damage Takaful is underwritten by HLM TAKAFUL, with services provided by Mondial Assistance. .
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AREA OF COVER
Worldwide (excluding Afghanistan, Belarus, Cuba, the Democratic
Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria or any other country
sanctioned by United Nations before the date of rental).
CERTIFICATE AMENDMENT
If you intend to amend your certificate details, you must let us or
Mondial Assistance know in writing before the collection of Your
Covered vehicle. Such amendment becomes effective after it has been
confirmed and recorded by us with issuance of a certificate
endorsement and corresponding contribution changes, if applicable.
CERTIFICATE CANCELLATION
If you decide that you do not want this certificate, you may cancel this
certificate, however any contributions that have been paid are completely
non refundable.
ASSISTANCE
Mondial Assistance is a worldwide travel assistance service company
whose subsidiary company is Mondial Assistance Services (Malaysia)
Sdn Bhd of Office Suite 19-17-1, Level 17 UOA Center, No 19 Jalan
Pinang, 50450 Kuala Lumpur and has been appointed to administer
all emergency assistance services of this takaful. You may contact
them in an emergency 24 hours a day, 7 days a week.
CERTIFICATE DEFINITIONS
Some words used in this Certificate Wording have special meaning. When
these words are used, they have the meaning defined below:
Accident/Accidental/Accidentally means a sudden, unexpected,
unintended and external event
Country of residence means the country in which you are granted
rights of citizenship or permanent residence by the government
authorities, or is a country where you resided more than 90 days in the
past year.
Damage means damage to the covered motor vehicle caused by fire,
vandalism, accident or theft occurring during your rental period.
Excess/Deposit means the amount stated in your rental agreement
that you are responsible for in the event of damage to the covered motor
vehicle. Less any applicable charges, including but not limited to
administrative charges, Miscellaneous charges
"Home" means the place where you normally reside in your country of
residence.
Covered vehicle means the vehicle owned by a licensed rental
company or agency, which you have agreed to hire from them according
to the terms of your rental agreement. The vehicle must:
"Certificate holder" means the individual whom the certificate has been
issued to, as stated in the certificate of takaful.
Public highway means a main road or thoroughfare, such as a street,
boulevard or parkway available to the public for use for travel or
transportation.
Resident(s) of Malaysia means Malaysian citizens and permanent
residents (holders of re-entry permits) as well as holders of employment
passes, work permits, students' passes or dependants passes.
Rental period means the dates you have arranged to hire the covered
motor vehicle, as confirmed in your rental agreement.
Any other trip which begins after you get back is not covered.
This Rental Excess Damage Takaful is underwritten by HLM TAKAFUL, with services provided by Mondial Assistance. .
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CERTIFICATE BENEFIT
Rental Excess Damage
(a)
We will reimburse you for any excess / deductible / deposit applied to your
Vehicle hire takaful for which you become legally liable to pay, up to the
Benefit Limit, if the covered vehicle is accidentally damaged, involved in
an accident or stolen, damaged by fire or vandalized during the rental
period.
The Rental car companys Vehicle Hire Takaful company must provide in
writing, formal acceptance of the claim from the Rental Car company for
said damage to the covered vehicle, before We become legally liable for
any claims submitted by you to Us.
5)
6)
7)
8)
6.
(b)
7.
8.
9.
This Rental Excess Damage Takaful is underwritten by HLM TAKAFUL, with services provided by Mondial Assistance. .
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CLAIMS
Mondial Assistance is authorized by HLM TAKAFUL to also provide
claims handling services as our agent, not as your agent. Mondial
Assistance acts under an agreement with the takaful operator which
means that Mondial Assistance can handle the claims and refer to the
Takaful Operator for decision on validity/payment of claims and is
jointly referred to as we, our and us in this certificate wording for
this purpose only.
REASONABLE PRECAUTIONS
You must do everything reasonably possible to prevent a loss from
occurring, or when a loss has occurred, ensure that the loss is minimised.
If you do not, we can reduce your claim by the amount of prejudice we
have suffered, or reject your entire claim.
Original receipts and accounts for any Excess You have to pay
together with all correspondences with the car rental company
in this regard
EXCLUSIONS
When we wont pay a claim as set out in the We will not pay under each
section and in General exclusions applicable to all sections these
restrict coverage and benefits.
CLAIMS PROCESSING
We endeavour to process your claim within 10 working days of us
receiving a completed claim form and all necessary documentation. If we
need additional information, a written request will be sent to you within 10
working days.
This Rental Excess Damage Takaful is underwritten by HLM TAKAFUL, with services provided by Mondial Assistance. .
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FRAUD
If you or anyone acting on your behalf uses dishonest means to obtain a
claim payment under the certificate for which you do not qualify, we will
not pay the benefit and we will cancel the certificate. Any benefit claimed
fraudulently and received must be paid back to us. We will report any acts
of fraud to the local police authority.
RECOVERIES
If we have a claim against someone in relation to the money we have to
pay under this certificate, you must do everything you can to help us do
that in legal proceedings. If you are aware of any third party that you or
we may recover money from, you must inform us of such third party.
If you intend to commence legal proceedings to recover your costs or
seek compensation against a third party, you must inform us as soon as
possible.
We will apply any money we recover from someone else under a right of
subrogation in the following order:
1. To us, our administration and legal costs arising from the recovery.
2. To us, an amount equal to the amount that we paid to you under the
certificate.
3. To you, your uncovered loss (less your excess).
4. To you, your excess.
We may seek reimbursement from you if you receive a payment from any
other source for any amount of the claim we paid you.
SUBROGATION
At our discretion, we may start, control and settle legal proceedings for
our own benefit in your name to recover compensation or secure
indemnity from any party in respect of anything covered by this certificate.
We may do so in your name and on your behalf. You also consent to us
seeking to recover any money we have paid to you from a third party.
You must help us to do this, even if we have not yet paid your claim, and
even if the amount we pay is less than full compensation for your loss.
OTHER TAKAFUL
No person shall be covered under more than one takaful certificate issued
by us. In the event the Covered Person is covered under more than one
such certificate, we shall consider that person to be covered under the
certificate, which provides the greatest amount of benefit. If at the time of
any loss, damage, or liability arising under the certificate there is any
other takaful provided by another company covering the same loss,
damage or liability, we will only pay our proportion.
PHONE CHARGES
For local calls made to our General Enquiries hotline or our Claims
hotline, we may or may not provide you with a toll-free number. In any
case we will not be responsible for any charges incurred by you, when
you are contacting us.
INTERPRETATION
Once we pay your total loss we will keep all money left over.
If we have paid your claim and you receive a payment from someone else
for that loss or damage, you must pay us the amount of that payment up
to the amount of the claim we paid you.
If we pay you for permanently lost, stolen or damaged property and you
later recover the property or it is replaced by a third party, you must pay
us the amount of the claim we paid you.
If we pay your claim and you receive a payment from someone else for
the same costs, fees or expenses, you must pay us the amount of that
payment up to the amount of the claim we paid you.
This certificate, certificate and the schedule shall be read together and
any word or expression to which a specific meaning has been attached in
any part of this certificate, certificate or schedule shall bear such meaning
wherever it may appear.
CUSTOMER SATISFACTION
Should you have a complaint arising out of this takaful or our employees,
authorised representatives or service providers, please contact us. We
will respond to your complaint within 5 business days, provided we
receive all necessary information and we have completed any
investigation required. If we need more time, we will agree on a
reasonable alternative time frame.
ARBITRATION
If we admit liability for a claim but there is a dispute as to the amount to be
paid, the dispute will be referred to an arbitrator. The arbitrator will be
appointed jointly by you and us in accordance with the law at the time.
You may not take legal action against us over the dispute before the
arbitrator has reached a decision.
CLERICAL ERROR
A clerical error by Mondial Assistance shall not invalidate a takaful which
is otherwise validly in force, nor would it continue takaful otherwise not
validly in force.
This Rental Excess Damage Takaful is underwritten by HLM TAKAFUL, with services provided by Mondial Assistance. .
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CONTACT DETAILS
For any General Enquiries call +603 2166 6177
Mon Fri, 09:00 17:30 (Malaysia Time)
E-mail: travel@mondial-assistance.com.my
For Claims Enquiries call +603 2166 6177
Mon Fri, 09:00 17:30 (Malaysia Time)
E-mail: travel: travelclaims@mondial-assistance.com.my
This takaful is underwritten by HLM TAKAFUL with services provided by
Mondial Assistance.
This Rental Excess Damage Takaful is underwritten by HLM TAKAFUL, with services provided by Mondial Assistance. .
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