Untuk Malaysia Bersama Contest

Bersempena sambutan Hari Merdeka & Hari Malaysia, jom kongsikan detik-detik manis bersama orang tersayang!

Sertai Peraduan Kongsi Detik Bersama dan berpeluang memenangi kredit Touch 'n Go eWallet bernilai RM50!

Cara menyertai:

1. Ambil gambar momen kegemaran anda bersama orang tersayang

2. Post gambar di FB atau IG anda dan tag Liberty Insurance & Kurnia Insurans

3. Klik link di kapsyen/IG Story Highlights dan isi butiran dalam borang peraduan

4. Screenshot post anda dan muat naik ke dalam borang untuk melengkapkan penyertaan

Syarat penyertaan:

• Terbuka kepada pemegang polisi Liberty Insurance dan Kurnia Insurans sahaja
• 20 pemenang akan menerima kredit Touch 'n Go eWallet bernilai RM50 setiap seorang!

Kongsikan detik anda dan raikan kebersamaan sempena bulan istimewa ini.

Terms and Conditions

1. Untuk Malaysia Bersama(“Contest”) is organized by Liberty General Insurance Berhad [Registration Number.:197801007153 (44191-P)] (“LGIB”).

2. The participants shall read and understand these Terms and Conditions before participating.

Contest Period

3. The Contest is open for participation from 1st September 2026 – 30 September 2026, both dates inclusive, unless stated otherwise (“Contest Period”).

Eligibility

4. The Contest is open to all Policyholders from LGIB.

5. LGIB’s employees are not eligible to participate in this Contest.

6. To participate, participants must fulfill the following requirements:

How to join:

a. Snap a photo of your favourite moment with your loved ones

b. Post it on Facebook as post or Instagram as a story and tag Liberty Insurance & Kurnia Insurans

c. Upon posting, click on the link on the Facebook Posting caption or the Instagram story highlights (titled Malaysia Bersama) on Liberty and Kurnia’s social platforms and click on the link to confirm your participation

d. Upload a screenshot of your posting on the form and submit it to be in the running to be our Untuk Malaysia Bersama winner!

Winner Selection

7. Twenty (20) winners will be selected from eligible entries received via Liberty Insurance Malaysia and Kurnia Insurans Facebook and Instagram pages.

8. All entries will be randomized, and the total number of entries will be divided by twenty (20) (“Total Prizes”), rounded to the nearest whole number to determine the shortlisted entries.

a. For example, if there are 200 entries, 200 ÷20 = 10. Every 10th entry will be shortlisted (e.g., 10, 20, 30, ..., 190, 200).

9. Each participant can only win once, regardless of the number of entries submitted. If the same participant is selected more than once, a new winner will be chosen as a replacement.

10. The first twenty (20) eligible and shortlisted participants will be selected as winners and must complete the following steps to claim their prize:

a) Identity verification; and

b) Answer a simple question related to Contest.

11. The winners will be announced on the Liberty Insurance Malaysia and Kurnia Insurans Facebook and Instagram page.

12. Winners will also be contacted by the Customer Service Academy Team, Admin Team, or appointed media agency via Direct Message (DM) on Facebook or Instagram.

13. If LGIB is unable to contact a selected winner after three (3) attempts (e.g., no response to DM), LGIB reserves the right to select another winner using the same process.

14. LGIB will not be responsible if shortlisted winners cannot be contacted for any reason.

Contest Prizes

15. A total of twenty (20) winners will be selected.

16. The prize for this Contest is:

17. Winners are responsible for providing accurate information such as full name, mobile number, and/or email address to receive the e-voucher.

18. If a confirmed winner chooses to provide a third party’s mobile number and/or email address, LGIB will not be responsible for the e-voucher being received by that third party.

19. LGIB reserves the right, at its sole discretion, to replace the prize with another of equivalent value for any reason and without prior notice.

20. The prizes are non-transferable to any other party or parties and is not exchangeable for other prizes, reward of similar value, or any other alternatives under any circumstances.

Other General Terms and Conditions

21. Unless stated otherwise, the Contest ends on 30 September 2026, and all prizes will be distributed by 30th October 2026 (“Distribution Period”). After this date, the Contest is considered concluded. No further prize distribution or claims will be entertained after 15th November 2026.

22. LGIB reserves the right to disqualify any participant and/or withhold or withdraw any prize, in whole or in part, if the participant is found or suspected to be involved in any fraudulent activity (including but not limited to identity fraud, image manipulation, intentional spam, or manipulation of LGIB’s processes or websites).

23. If LGIB suspects any participant of engaging in illegal and/or fraudulent activities, LGIB reserves the right to report such activity or suspicion to the police or relevant authorities.

24. LGIB reserves the right to amend, modify, or revise these terms and conditions at any time without giving prior notice and without incurring any liability.

25. Any cancellation, termination, withdrawal or suspension of this Contest by LGIB shall not entitle the participant to any form of compensation, and LGIB shall not be held liable for any loss or damage (whether direct or indirect) suffered or incurred by the participant as a result of such cancellation, termination, withdrawal or suspension.

26. LGIB reserves the right to change the Contest Period and/or Distribution Period if the Contest launch is delayed and shall not be held liable for any related matters.

27. LGIB’s decision is final and conclusive in all matters related to the Contest.

28. In the event of any conflict between these terms and conditions and any marketing or promotional materials, these terms and conditions shall prevail.

29. LGIB advises all participants to be cautious when receiving phone calls or messages requesting personal information during and/or after the Contest. Participants are encouraged to verify such communications by contacting LGIB’s Customer Service Centre directly.

30. By participating in the Contest, participants consent to their personal data being collected, used, processed, disclosed, and stored in accordance with the Personal Data Protection Act 2010 (“PDPA”). Please refer to LGIB’s Privacy Notice at www.libertyinsurance.com.my and www.kurnia.com for more information.

31. Eligible winners who do not receive their prize within the specified period are advised to send a Direct Message (DM) to LGIB’s Facebook (Liberty Insurance Malaysia and Kurnia insurans) or Instagram accounts (@libertyinsurancemalaysia and @kurniainsurans).

32. For any queries regarding this Contest, kindly contact our Customer Service at 1 300 888 990 for Liberty or 1 800 88 3833 for Kurnia.

33. These terms and conditions are governed by and construed under the laws of Malaysia.