Customers:
Generali General Insurance
Generali Direct
Customer Portal
Generali Life Insurance
MyGenerali
Agents:
Omni AG
This policy covers loss or damage to your goods caused by peril insured while in transit from one place to another by sea or by air or by rail or land conveyance.
The following is the types of coverage offered:
a. Institute Cargo Clauses (ICC) (A) 1.1.82 / 1.1.09
This is the widest form of cover. This Policy covers all risks of loss of or damage to the goods except as provided in the exclusions.
b. Institute Cargo Clauses (ICC) (B) 1.1.82 / 1.1.09
This policy covers against loss of or damage to the goods attributable to or caused by:
o Fire or explosion
o Vessel or craft being stranded, grounded, sunk or capsized
o Overturning or derailment of land conveyance
o Collision or contact of vessel, craft or conveyance with any external object other than water
o Discharge of cargo at port of distress
o Earthquake, volcanic eruption or lightning
o General average sacrifice
o Jettison
o Washing overboard
o General average and salvage charges
o Entry of sea, lake or river water into the vessel, craft, hold, conveyance, container, lift, van or place of storage
o Total loss of any package lost overboard or dropped while loading onto or unloading from vessel or craft
c. Institute Cargo Clause (ICC) (C) 1.1.82
o Fire or explosion
o Vessel or craft being stranded, grounded, sunk or capsized
o Overturning or derailment of land conveyance
o Collision or contact of vessel, craft or conveyance with any external object other than water
o Discharge of cargo at port of distress
o General average sacrifice
o Jettison
o General average and salvage charges
Note: This list is not exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.
With the payment of additional premium, the cover of this Policy may be extended to include the following coverage:
Designed for owners of small and medium sized businesses (SME), the Multi Biz Protector Enhanced is a customisable and comprehensive insurance plan that covers key business risks.
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Most of the risk exposures are covered in this ‘one-stop’ package. There is no need to worry about what you may have missed out.
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Main classes of insurance are packaged into one product. One product, one expiry date, one insurer, making it easy to manage.
Especially for our customers, this package is priced competitively to cater to your needs.
Choice to extend additional insurance coverage for Inconvenience Allowance, Heavy Equipment, Machinery Breakdown, Goods in Transit and Products Liability.
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
• First payout benefit within 5 working days (applicable to physical damage caused by re or other insured perils only)
• Second payout benefit (up to 10% of claims payable for selected plans) upon receipt of full documents and claims verification
Complimentary coverage that includes Aircraft Damage, Earthquake, Explosion, Bush Lalang, Riot Strike Malicious Damage, and Damage by Falling Trees, covering up to 10% of total sum insured or a maximum of RM1,000,000
Provides full Construction All Risks and Third-Party Liability coverage with limit up to RM200,000 for Material Damage and RM100,000 for Third Party Liability.
Up to RM1,000 payout each on:
• Innkeeper’s liability (applicable to budget hotels, homestay, boarding house and rest house operator)
• Signboard / neon sign damage due to fire and windstorm
Cover the necessary extra costs of temporary repair and of expediting the permanent repair, replacement or reinstatement of property insured, up to RM10,000
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Complimentary built-in perils -Aircraft Damage, Earthquake, Explosion, Bush Lalang, Riot Strike Malicious Damage and damage by falling trees with sub-limit of 10% of total sum insured, up to maximum of RM1million
Enhance your coverage from loss or damage caused by other named perils and more.
