A third party liability is the potential cost arising from your cat's action, inflicting bodily injury or property damage to others. The Takaful Operator, Zurich General Takaful Malaysia Berhad, covers you for any accidental physical injury or damage done by your cat to someone or their property.
This includes all legal costs and expenses incurred, with Zurich General Takaful Malaysia Berhad's written consent, in the defense and settlement of any claims for which you shall become legally liable as a contribution for:
(a) Accidental injury to third parties caused by your cat; and/or
(b) Accidental damage to property belonging to third parties caused by your cat during the period of Takaful within Malaysia.
Note that there is a deductible of RM1,000 for Third Party Liability. This deductible is the claims amount incurred by you in the calculation of the total claim made by our Takaful Operator. For example, if your cat, Comel, causes an incident resulting in medical and legal fees of RM10,000, your certificate has a RM1,000 deductible. Once the claim is approved, the claim payment would be calculated as RM10,000 minus the RM1,000 deductible, totaling RM9,000.
Deductibles apply on a per claim submitted basis.
Once a written writ, summon, or claim is presented to you, you have to inform Oyen immediately without responding or promising any payment to the other party (claimant). Write to us at claims@oyen.my immediately, and we will handle the communications moving forward.
Certificate terms and conditions apply.