FAQs
RIDPEST
RidGuard is the ultimate termite protection plan specially designed for your dream home. It consists of 3 components:
- Timber Shield Protection Plan Insurance
- Pre-Acceptance Termite Inspection
- General Pest Control Service
RIDPEST
Q2: Who is eligible for coverage?
RIDPEST
RidGuard is only for permanent residents and citizens of Malaysia who own or rent houses which are not currently infested with termites, or had been previously infested with termites 60 days ago or earlier.
RIDPEST
Q3: Can I sign up if my home is infested with termites?
RIDPEST
No, you are NOT eligible. However, you can engage Ridpest to treat your current termite infestation, and after a waiting period of 60 days after the infestation has been eliminated, your home will be eligible for coverage. However, all pre-existing damages caused by the previous termite infestation will not be covered by Timber Shield Protection Plan Insurance.
RIDPEST
Q4: Why do I need RidGuard if my home has never been infested with termites?
RIDPEST
As long as your home has wooden structures and fittings, it is a potential target for termites.
RIDPEST
Q5: What is this Pre-Acceptance Termite Inspection?
RIDPEST
To ascertain whether your house is free from termites, Ridpest will carry out a pre-acceptance termite inspection. The inspection or termite health check will be carried out by a professionally-trained Termite Field Inspector. The comprehensive termite health check will cover your whole house, including the roof area and also termite hot spots such as bathroom and toilet doorframes, storeroom, kitchen cabinets, wardrobes, parquet flooring and skirting.
RIDPEST
Q6: Why do I need General Pest Control Service?
RIDPEST
Apart from termites, cockroaches, rats and common ants are some of the most common household pests in Malaysia. Regular pest control services are important to maintain a pest-free environment that will promote good health and peace of mind for you and your loved ones. Under the RidGuard package, Ridpest will carry out general pest control service four times a year. The service covers treatment for cockroaches, rats and common ants as well as visual termite inspection.
RIDPEST
Q7: What is so special about Timber Shield Protection Plan Insurance?
RIDPEST
It is the first and only insurance policy in Malaysia that provides coverage for cost of termite treatment using the best technology, as well as property damage caused by termites. Underwritten by PanGlobal Insurance Berhad (PGI) and jointly developed with Ridpest, the insurance policy will pay for the full cost of termite treatment by Ridpest which uses the highly effective and proven Ridpest Innovative Baiting System (RIBS) to eliminate the entire termite colony attacking your home. In other words, you need not pay a single sen in the event that your home is infested by the highly destructive termites.
Property damage caused by termites covers wood-based appurtenances, fixtures and fittings like kitchen cabinets, window and door frames, wardrobe, timber roof truss cross members, lowered chipboards or fibreboard ceilings.
RIDPEST
Q8: What else does Timber Shield Protection Plan Insurance cover?
RIDPEST
Under the home contents coverage, the plan covers most of your personal belongings and household possessions against loss or damage. These include furniture, fixtures and fittings, household equipment, electrical appliances, furnishing, clothing and personal items. It covers your home contents for the replacement value if they suffer loss or damage due to the following incidents:
- Fire and lightning
- Explosion
- Aircraft and other aerial devices and or article dropped therefrom
- Impact with any of the buildings by any road vehicles or animals not belonging to or under the control of the insured or any member of his family
- Bursting or overflowing of domestic water tanks, apparatus and pipes excluding
- in respect of each and every loss the amount stated in the limits of liability
- destruction or damage occurring while the dwelling house is left untenanted
- Hurricane, cyclone, typhoon and windstorm
- Earthquake and volcanic eruption
- Flood but excluding loss or damage caused by subsidence or landslip
- Riot, strike and malicious damage
- Burglary, housebreaking or theft and or any attempt thereat provided that such offences are accompanied by forcible and violent entry or exit from premises
- Public liability
RIDPEST
Q9: What are the items that are not considered as part of home contents?
RIDPEST
They are:
- Animals
- Building materials
- Credit or financial transaction cards
- Goods kept for sale, distribution or on consignment
- Illegal items, illegal firearms and illegal stored firearms
- Items permanently attached or fixed to your home
- Loose or unset gemstones
- Manuscripts
- Plants, trees or shrubs growing in the ground, grass, rocks, landscaping and soil on the site
- Stock used in any business, trade or profession
- Watercraft, sailboards, trailers, caravans, aircraft or aerial devices
- Vehicles including:
- Motor vehicles
- Ride-on vehicles such as motorized golf buggies or carts (unless it is a ride-on lawnmower used solely for the purpose of mowing lawns)
- Any motorcycles greater than 75cc
RIDPEST
Q10: How do I determine the sum insured for my home contents?
RIDPEST
Your home contents should be insured for their full replacement value (i.e., the cost to replace them with a new one, identical to it or with equivalent quality or features). For other stringent items, the sum insured should be an agreed market value at the start of the current period of insurance. We recommend you to re-assess the value of your home contents at least once a year.
RIDPEST
Q11: What are the special features that Timber Shield Protection Plan offers?
RIDPEST
Timber Shield Protection Plan covers your home contents for the replacement value if they suffer loss or damage due to the following incidents. PGI has the right to decide whether to replace or repair the contents or pay you the cost of doing so.
RIDPEST
Q12. What is the difference between Timber Shield Protection Plan and my House Owner Insurance (or Building Insurance)?
RIDPEST
Timber Shield Protection Plan covers things you keep in and around your home that are not attached as permanent structure such as built-in kitchen cabinet, wallpaper, built-in wardrobe, gate, garages, sheds etc. These permanent fixtures and fittings are covered under House Owner Insurance.
RIDPEST
Q13: Are my home contents covered under the insurance from my mortgage lender?
RIDPEST
A: Usually, the insurance under your mortgage lender only includes cover on your building. However, we strongly advise you to check with your mortgage lender for your detailed coverage and its sum insured.
RIDPEST
Q14: Are my contents kept at home covered when I go on holidays?
RIDPEST
Yes, your contents kept at home will be taken care of when you go on holidays for up to 60 days.
RIDPEST
Q15: Is my laptop/personal computer covered?
RIDPEST
Yes, if it is for personal use only, it will be covered against theft or accidental damage accompanied by violent and forcible entry whilst it is kept in your home.
RIDPEST
Q16: When is my Timber Shield Protection Plan Insurance policy effective?
RIDPEST
Your policy will take effect on the day you sign up the Timber Shield Protection Plan proposal form if your home is not infested with termites.
RIDPEST
Q17: How do I make a claim?
RIDPEST
Have your details and documents ready when you file a claim. Prepare the following documents in advance to help us to expedite your claim:
- Police report (if it is due to theft/forcible break-in)
- Fire Department report (if necessary)
- Purchase invoices
- Quotation for repairs/replacement
- Photographs of damages
- Photographs showing violent and forcible entry for claims as a result of theft
Call PGI at 1-800-88-1111 and its staff will take you through the claims procedures and you or your legal personal representative will be asked to complete a claim form.
Once you have completed your claim form, send it by hand, mail or fax to:
PanGlobal Insurance Berhad
(Claims Department)
Level 12B, Menara PanGlobal
No. 8, Lorong P. Ramlee
50250 Kuala Lumpur.
P.O. Box 12448
50778 Kuala Lumpur
PGI claims advisors will send you an acknowledgement of receipt of your claim within 7 working days from the date the company receives your claim form and supporting documents.
PGI claims advisors may request for additional information or documents from you or your legal personal representative. The request for additional information or documents is issued within 7 days from the date PGI receives your claim form. Subsequent to that, two reminders will be sent to you at an interval of 14 days and thereafter a final notice will be sent to you. If PGI still does not hear from you at the expiry of 14 days interval after the final reminder is sent, it will keep your claims file in abeyance until it receives the information or documents requested from you.
PGI will appoint an adjuster in cases where the estimated loss is above RM5,000 or when the estimated amount is not exactly known.
Upon receipt of the complete documents and/or adjuster’s final report, PGI claim advisor will assess and approve the claims accordingly.
Once approved, PGI will issue a cheque payable to you based on the approved amount.
RIDPEST
Q18: Are there any exclusions in the policy?
RIDPEST
Please refer to Timber Shield Protection Plan policy wording.
RIDPEST
Q19: Is there any minimum amount before I can claim?
RIDPEST
No, there isn’t a minimum amount before you can file a claim.
RIDPEST
Q20: Can I claim without official receipts or proofs of purchase?
RIDPEST
Yes, you may. PGI will take the current market value of the asset at the time of loss.
