Liberty General Insurance Berhad
Coverage and claims remain subject to the insurer’s certificate and full wording.
Cover before movement
“Marine cover included” is not enough detail.
The quotation should state the insured value, premium, policy period, excess, exclusions, evidence requirements and claim route before payment.
Insured valuePremiumExcessClaim evidence
Practical sequence
Six cover checkpoints.
Cover wording—not a badge on the page—determines what can be claimed.
01Declare the value
Use the accepted vehicle value basis and disclose material modifications.
02Read the insured risks
Check the events, movement period and physical scope named in the wording.
03Know the excess
Understand the amount retained by the insured for each accepted claim.
04Check exclusions
Review wear, mechanical failure, personal items and pre-existing condition treatment.
05Capture condition
Keep indexed pre-handover photographs and the signed condition reference.
06Follow the claim clock
Report promptly, preserve evidence and use the stated survey/claim process.
Before payment
Request these details in writing
The final version should be attached to the actual quotation or booking—not inferred from a general webpage.
- ✓Insurer and policy/certificate reference
- ✓Insured or declared vehicle value
- ✓Premium and tax/fees
- ✓Cover start and end point
- ✓Excess/deductible
- ✓Named exclusions
- ✓Required photographs and Survey Report
- ✓Claim notice contact and time limit
Current certificate reference
What the supplied certificate lets us state.
These details are drawn from the current Liberty General Insurance Berhad sample. Every customer still needs an individual certificate naming the accepted vehicle, value, conveyance and journey.
One vehicle · one declared value · one journey
A website description or transport quotation is not a substitute for the issued certificate.
0.5% of the sum insured or a minimum RM500
The higher applicable amount is borne by the insured for each and every loss.
Overland All Risks · Strikes · Proportional Replacement
Only clauses printed on the customer’s final certificate should be treated as applicable.
Used vehicle wording
Used-vehicle exclusions shown in the sample.
“All Risks” does not mean every type of damage. The cause of loss and the exact clause wording still control the claim.
Pre-existing condition
Pre-existing damage is excluded absolutely. Photograph and index the condition before handover.
Surface deterioration
Rusting, oxidation and discolouration are excluded unless caused by the named insured peril stated in the wording.
Bodywork marks
Bending, chipping, denting, twisting and scratching are excluded unless caused by the named insured peril.
Internal derangement
Mechanical, electronic and electrical derangement is excluded unless caused by the named insured peril.
Warranty
Conditions that must be followed.
Attendance
Full cargo-load vehicle movements are subject to the attendance and unattended-vehicle wording in the certificate.
Packing
Professional packing or the accepted standard export preparation is required where the certificate makes it applicable.
Self-driving limit
The vehicle must not be driven under its own power except when moving on or off the vessel, lorry loader or container.
Loss or damage
Act immediately when damage is found.
The objective is to preserve the vehicle condition, the evidence and all rights against the carrier or other responsible party.
→01Inspect
Check the vehicle before leaving the terminal or accepting delivery.
→02Record
Do not give a clean receipt when the condition is doubtful; record visible damage and take indexed photographs.
→03Notify
Notify the insurer or stated channel partner immediately and give written notice to the carrier or responsible party.
→04Survey
Request the required survey and preserve the vehicle in the condition needed for inspection.
→05Submit
Send the available claim documents without delay and retain every original or accepted copy.
Evidence pack
Keep this claim evidence together
- ✓Insurance policy or certificate
- ✓Invoice and insured-value evidence
- ✓Bill of lading or contract of carriage
- ✓Survey Report and condition photographs
- ✓Delivery / landing record
- ✓Correspondence with carrier and other responsible parties
FAQ
Confirm before committing.
Is marine cover included in the displayed transport rate?+
Not automatically. Treat it as separate unless the final quotation states the premium, insured value and wording.
Are personal belongings covered?+
Do not assume so. Personal items are commonly treated separately or excluded; obtain written confirmation.
Why is the Survey Report important?+
It creates an indexed reference for visible pre-handover condition and supports a fair evidence trail if an incident is reported.
One verified thread