Terms and Conditions

1. Flood Awareness Engagement (“Contest”) is organised by Liberty General Insurance Berhad (Registration No. 197801007153 (44191-P)) (“LGIB”).
2. This Contest is open for participation from 7 July 2025 until 7 August 2025, both dates inclusive unless notified otherwise (“Contest Period”). Liberty reserves the right to end this Contest at any time earlier at its own discretion. 

Eligibility

3. This Contest is open to all Malaysian Citizens or Permanent Residents of Malaysia with minimum age of eighteen (18) years old. To take part in this Contest, Participants are required to fulfil the following requirements:

Steps to follow: 

Step 1: Follow @libertyinsurancemalaysia and @kurniainsurans on Instagram.

Step 2: Like the contest post and finish the sentence below: “My number one flood rule is…” in the comment section.

Step 3: Share this post on your Instagram Story and tag @libertyinsurancemalaysia and @kurniainsurans 

(Participants’ Instagram account is required to be public for us to verify participation) 

4. Fifty (50) winners will be chosen from a pool of total eligible entries received via the Liberty Insurance Malaysia and Kurnia Insurans Instagram pages. All entries are sorted randomly, and the total number of entries are divided by fifty (50) (“total prizes”), rounded down to the nearest whole number to get the shortlisted entries (for examples 500 entries divided by 50 equals to 10, resulting in every 10th entry to be shortlisted. (10th, 20th, 30th, 40th, 50th…., 180th, 190th, 200th)  
5. Each Participant is only allowed to win once, regardless of the number of entries submitted. In the event the same Participant is selected again, a new winner will be drawn as replacement.
6. The first eligible fifty (50) Participants who are shortlisted based on the total number of entries during each winner selection shall be shortlisted as the winners and required to perform the following steps to claim their prizes:

• Verify their identity; and
• Answer a simple question related to the flood safety or ESG awareness.

7. The selected winners will be announced and published on Liberty Insurance Malaysia and Kurnia Insurans Instagram pages. 
8. LGIB employees are not eligible to participate in this Contest.
9. The selected winners will also be contacted by our Contact Centre’s Service Academy, Admin team or appointed contracted media agency on Instagram direct message. In the event we are unable to contact the selected winners after three (3) attempts (i.e. no reply on Instagram Direct Message), LGIB reserves the right to select from the pool of total eligible entries following the same process. LGIB will not be held liable in the event the shortlisted winners are not reachable for whatever reasons.

Contest Prizes 

10. Fifty (50) winners each will be selected from the Contest.
11. The Prizes for this Contest are:
    

    Type	Prizes	Total Giveaways
    Prize	RM20 Touch 'n Go e-voucher	5

12. The selected winners are responsible for ensuring that they have provided accurate information of their full name, mobile number and/or email address to receive the e-voucher. If a confirmed winner chooses to provide a third party’s mobile number and/or email address, LGIB will not be held liable for the receipt of e-voucher by the third party. The selected winners are responsible to redeem the e-voucher within the prescribed validity period of e-voucher.
13. LGIB reserves the right, at its sole discretion, to substitute the prizes with another product of similar value, for any reason and without prior notice.
14. All prizes are not transferable, nor exchangeable for cash or credit or kind whether in part or in full. 

Other General Conditions

15. Unless otherwise stated, this Contest will end at 11.59 pm on 7 August 2025, and all prizes will be disbursed by 31 August 2025 (“the Disbursement Period”), after which the Contest shall be deemed concluded. No further disbursements of prizes shall be made or any claims against this Contest be entertained after 30 September 2025.
16. LGIB reserves the right, at its sole discretion to disqualify any Participant and/or withhold or revoke, in whole or in part, any prize if the Participant is found to be or reasonably suspected to have engaged in any form of fraudulent activities (including but not limited to false identities, doctoring images, willful spamming or manipulation of any of LGIB’s processes, or website).
17. Where LGIB suspects a Participant is involved in any form of unlawful and/or fraudulent activity, LGIB reserves the right to report such activity or suspicion, without limitation, to the police or relevant authorities.
18. LGIB reserves the right to amend, vary or revise the terms and conditions of this Contest, or to withdraw or discontinue the Contest at any time, without prior notice and without incurring any liability whatsoever.
19. LGIB reserves the right to change the Contest Period and/or Disbursement Period if the launch of this Contest is delayed and shall have no liability for the same.
20. Any cancellation, termination, withdrawal, or suspension of this Contest by LGIB shall not entitle any Participants to claim compensation against LGIB for any reason whatsoever due to loss, claim or damage that may be suffered or incurred by the Participants as a direct or indirect result of the act of cancellation, termination, withdrawal, or suspension. 
21. LGIB’s determination of all matters relating to this Contest shall be final and conclusive and in the event of any inconsistency between these Contest Terms and Conditions and any marketing or promotional materials relating to this Contest, these Contest Terms and Conditions shall prevail.
22. LGIB advised all the Participants to take reasonable precautions when receiving any phone calls or messages requesting their personal information during and/or after this Contest. Participants are encouraged to verify any such communications by contacting LGIB’s Customer Centre directly.
23. By participating in this Contest, you hereby give consent for your personal data and/or information to be collected, used, processed, disclosed and retained in accordance with the Personal Data Protection Act 2010 (“PDPA”).  Please refer to our full Privacy Notice on www.libertyinsurance.com.my, www.kurnia.com or www.amassurance.com.my forfurther information.
24. Eligible winners who do not receive their prizes within the stipulated timeline are advised to Direct Message to our Instagram via @libertyinsurancemalaysia and @kurniainsurans.
25. These Contest Terms and Conditions are governed by and construed under the Laws of Malaysia.