Third party liability covers the potential costs arising from your pet's actions that may cause bodily injury or property damage to others. Here's what is included:
- Pet Insurance (MSIG):
- Coverage: Accidental physical injury to third parties or damage to their property caused by your pet.
- Legal Costs: Includes all legal costs and expenses incurred with MSIG's written consent for the defense and settlement of any claims you are legally liable for.
- Deductible: There is a deductible of RM500 for the Basic Plan and RM1,000 for the Plus & Champion Plans. This deductible is the portion of the claim amount you are responsible for.
- Example: If your cat, Comel, causes an incident resulting in RM10,000 in medical and legal fees, and your policy has a RM1,000 deductible, the claim payment would be RM10,000 minus RM1,000, totaling RM9,000.
- Process: Deductibles apply on a per claim submitted basis. If you receive a writ, summon, or claim, inform Oyen immediately without responding to the claimant.
- Oyen Takaful Kucing (Zurich General Takaful Malaysia Berhad):
- Coverage: Accidental physical injury to third parties or damage to their property caused by your cat.
- Legal Costs: Covers all legal costs and expenses incurred with Zurich General Takaful Malaysia Berhad's written consent for the defense and settlement of any claims you are legally liable for.
- Deductible: There is a RM1,000 deductible for third party liability claims. This deductible is the portion of the claim amount you are responsible for.
- Example: If your cat, Comel, causes an incident resulting in RM10,000 in medical and legal fees, with a RM1,000 deductible, the claim payment would be RM10,000 minus RM1,000, totaling RM9,000.
- Process: Deductibles apply on a per claim submitted basis. If you receive a writ, summon, or claim, inform Oyen immediately without responding to the claimant.
Certificate and policy terms and conditions apply.
