Snapshots of Trust
A record of claims successfully resolved with care and efficiency
Office Fire Claim
Motor Vehicle Incident on Premise
Electrical Fire Claim
Premise Room Fire
Home Flood
Delayed Baggage Claim
Hospitalization During Travel
Trip
House Fire Claim
Office Fire Claim for an Accounting Firm (2021)
A staff member at a tax and accounting firm in Setapak, noticed a burning smell coming from the document storage room at the end of the workday. Fire then erupted from the room, and the staff immediately called the fire department, who arrived within 10 minutes to extinguish the blaze. To prevent re-ignition, the firefighters hosed down the surrounding areas.
This resulted in significant damage to crucial financial documents and office equipment, including computers, laptops, and printers. We quickly helped the firm file a claim to cover both the physical damage and their loss of income.
Annual Premium Paid: RM 630
Cause of Incident: Electrical Fire
Total Claim Approved (Including Loss of Income): RM 140,000
Claim Payout Received by Client: RM 140,000
Foreman Accidentally Damages Workshop and Customer Car (2022)
A foreman at our client’s workshop (SME Protection policyholder) was moving a customer’s car when they accidentally drove into the workshop’s office area. The accident caused damage to the customer’s vehicle and structural damage to the office wall and contents.
We successfully managed the claim to protect both the client and their customer:
1. Customer’s Car: Repaired under the workshop’s Public Liability Policy (Care, Custody, and Control). This was a critical move that prevented the customer from having to claim on their own motor insurance, thus protecting their No-Claim Discount (NCD).
2. Workshop Damage: The damaged office structure and contents were repaired and compensated under the workshop’s All Risks Policy.
Annual Premium Paid: RM 4,274.26
Cause of Incident: Motor Vehicle Accident
Total Claim Approved (Workshop & Customer Car): RM 31,240.00
Claim Payout Received by Client: RM 31,240.00
Cafe Electrical Fire Claim (2023)
A staff member at our client’s café noticed the main distribution board (DB box) on fire during operating hours. They immediately called the fire department, who arrived promptly to extinguish the small electrical fire.
Although contained quickly, the fire caused damage to the DB box, the surrounding ceiling, and the wall. We helped the café owner file a claim to cover the repair costs, ensuring a fast resolution to minimize disruption to their business operations.
Annual Premium Paid: RM 583.20
Cause of Incident: Electrical Short Circuit
Total Claim Approved : RM 530.00
Claim Payout Received by Client: RM 530.00
Storage Room Fire
At approximately 6:30 AM, a member of the public noticed a fire at our client’s restaurant premise and immediately alerted the fire department. Firefighters quickly arrived and contained the blaze, but unfortunately, nearly one-third of the building was affected by the fire and smoke.
The incident caused extensive damage to the roller shutter, walls, ceiling, freezers, and valuable stock stored in the area. We took immediate action to help the client handle the entire claim process, focusing on securing compensation for both the property damage and the necessary business interruption.
Annual Premium Paid: RM 2,033.90
Cause of Incident: Electrical Short Circuit
Total Claim Approved : RM 40,612.58
Claim Payout Received by Client: RM 40,612.58
Client Received 15K Flood Claim Just 40 Days After Purchasing Home Policy
Our client, a homeowner in Kelantan, experienced a devastating flood just 40 days after purchasing her Home Contents insurance policy.
The tragedy caused significant damage to her belongings, including furniture, electrical appliances, and other loose items. We immediately sprang into action, notifying the insurer and coordinating with the appointed adjuster to expedite the assessment.
Our prompt handling ensured the client received compensation quickly, allowing her to replace her essential items and recover from the loss.
Annual Premium Paid: RM 87.61
Sum Insured : 30K
Cause of Incident: Flood
Total Claim Approved : RM 15,255
Claim Payout Received by Client: RM 15,255
Delayed Baggage Claim for UK Trip, Client Compensated 2K After Luggage Delay in Glasgow
Our client, experienced a stressful start to her 40-day trip to the UK when her checked luggage was delayed upon landing at Glasgow Airport. The airline and DHL were engaged to locate and deliver the bags.
The luggage was expected on July 23rd but was only delivered on July 26th—a delay of three full days. Because the client was without her essential belongings, she was entitled to compensation under her travel insurance policy.
We immediately compiled all the necessary documents, including the letter from Glasgow Airport, the itinerary, and the correspondence from DHL, and submitted the claim.
We ensured Puan Nurul received the maximum allowable compensation of RM 2,000 for the luggage delay, providing immediate financial relief to purchase necessary items while she waited for her bags.
Premium Paid : RM493.19
Incident : Delayed Checked Baggage
Duration of Delay : 3 days
Claim Payout Received by Client : RM 2,000
RM36,945 Claim Approved for Senior Traveler Hospitalized in Greece
Our client, an 81-year-old traveler, was on an extended vacation in Greece when he was admitted to a private hospital in Larissa with severe pneumonia. The situation was complicated as he required immediate care on the mainland, including a transfer by speed boat and ambulance from an island.
The Challenge:
The client’s total hospital bill for the five-day inpatient stay and related travel reached over RM 38,000. The claim process was complex because we needed to collect all documentation, including multiple missing boarding passes from his journey (Kuala Lumpur to Istanbul to Egypt to Greece).
Our Intervention:
We worked closely with the client’s wife, guiding her through the collection of hospital reports, medical records, and travel receipts. When the boarding passes could not be found, we proactively drafted a detailed letter with the complete travel itinerary to satisfy the insurer’s requirements. Our continuous communication and persistence were key to overcoming the documentation hurdles.
We successfully pushed the insurer to approve the substantial claim (RM36,945) on July 9th, ensuring the client’s expensive international medical bills were covered and demonstrating the profound value of a comprehensive travel policy.
Premium Paid : RM2,559 (for 6 month coverage)
Incident : Inpatient Hospitalization (Pneumonia)
Location of Claim : Greece
Claim Payout Received by Client : RM36,945
Catastrophic House Fire Claim Small : RM85 Premium Leads to RM60,000 Payout for Total Loss
A low-cost home in Betong, Sarawak, belonging to our client, was tragically destroyed by a fire in July. The fire caused extensive and near-total damage, collapsing the roof and completely destroying the building and its contents.
We immediately took charge, assisting the client with the documentation required by the adjuster. Our prompt action streamlined the process, ensuring the client—who had paid a minimal annual premium—received the maximum possible benefit to rebuild their life.
The insurer confirmed a total and final settlement of RM 60,000.00. This case highlights the critical value of home protection: a small annual investment provided a RM 60,000 financial lifeline when our client faced the complete loss of their home.
Policy Type : Home Cover
Annual Premium Paid : RM85
Cause of Incident : Fire Damage
Claim Payout (Building) : RM 50,000
Claim Payout (Content) : RM 10,000
Total Claim Payout Received : RM 60,000
RM8,250 Total Claim Approved for Group Travelers to Indonesia
Our clients, a group of five travelers, had their long-awaited trip to Bukit Tinggi and Padang, Indonesia, unexpectedly halted when severe flooding struck the region. Despite the flight remaining active, the primary destination was rendered inaccessible, posing a significant risk to their safety and planned itinerary.
The Challenge: The situation was complex because the airline was unable to reschedule or refund the tickets as the airport itself was unaffected. Furthermore, the local travel operator could not provide standard Terms & Conditions or a formal refund letter because their partner hotels were physically impacted by the natural disaster.
Our Intervention: We acted swiftly by gathering official proof of the flood from the Gubernur Sumatera Barat to validate the necessity of the cancellation. Understanding that the small boutique travel agency lacked formal documentation, we proactively drafted a Travel Operator Declaration of Non-Refundability to satisfy Zurich Takaful’s requirements. Our persistent communication and expertise in navigating these documentation hurdles were key to justifying the irrecoverable losses.
The Success: We successfully pushed the insurer to approve the maximum claimable amount for each traveler on the Diamond and Silver plans. This resulted in a total payout of RM8,250 (RM1,650 per person) for their non-refundable flight, accommodation, and food expenses, demonstrating the critical value of having a proactive agency during travel emergencies.
Premium Paid: RM110 per person
Incident: Trip Cancellation due to Natural Disaster (Flood)
Location of Claim: Bukit Tinggi & Padang, Indonesia
Claim Payout Received by Group: RM8,250 (RM1,650 per client)
How Claim Process Works
01
Notify Us
As soon as the incident happens (accident, fire, theft, medical emergency, etc.), you must us inform within the required time frame (24–48 hours).
02
Submit a Claim Form
Fill in the official claim form provided by us. Indicate the type of claim, date of incident, and details of what happened. Ensure that you provide the supporting documents accordingly.
03
Assessment
We will review your claim and may appoint a surveyor or adjuster to assess the damage or loss. This is to verify if the claim is within policy coverage and check for exclusions.
04
Approval or Further Queries
If the claim is valid and all documents are sufficient, your claim will be approved. Sometimes we may ask for additional documents or clarifications before approval.
05
Claim Settlement / Payout
According to your coverage limits in the policy, you will receive the settlement. Once settlement is complete, the claim is closed and you will receive the official claim settlement letter.