Please affix the Takaful Schedule
HOUSEOWNER / HOUSEHOLDER
CERTIFICATE
TARIFF
Important documents - Please keep in a safe place
This is your Certificate. Please read it carefully and keep it in a safe place with all other documents concerning this
Takaful for easy reference in the future
1 PMG/EGTB/HOHH/CW/ENG/2403V2.1
Table of Contents: Page
Our Agreement ………………………………… 2
What Makes Up This Certificate ………………………………… 2
Your Duty To Inform Us ………………………………… 2
Covering Clause ………………………………… 3
Applicable Warranties ……………………………………. 3
Covered Events ……………………………………. 4
Additional Benefits ……………………………………. 5
General Exceptions ……………………………………. 6
How We Will Settle Your Claim ……………………………………. 6
How To Make A Claim ……………………………………. 8
Your Responsibility ……..…………………………….. 8
How Your Certificate May Be Cancelled …………………………………… 8
Surplus Distribution …………………………………… 8
Glossary …………………………………… 9
The following Warranties/Clauses/Endorsement are applicable if specified …………………………………… 10
in the Schedule
Appendix - Optional Benefits:
Applicable for Buildings Only:
Optional Benefit No.1 - Extension to cover Landlord’s Household Goods and Furnishings …………………………………… 10
in blocks of flats/apartments
Optional Benefit No.2 - Takaful of Plate Glass …………………………………… 11
Optional Benefit No.3 - Extension to cover against loss or damage by hurricane, …………………………………… 11
cyclone, typhoon or windstorm to metal smoke stacks, awnings, blinds, signs and
other outdoor fixtures and fittings including gates and fences
Optional Benefit No.4 - Extension to cover alterations, repairs and additions …………………………………… 11
(but not appreciation in value in excess of the sum Covered)
Applicable for Contents Only :
Optional Benefit No.5A - Extension for extended theft cover but excluding theft by …………………………………… 11
domestic servants or any member of Your family or Household
Optional Benefit No.5B. Extension for extended theft cover including theft by domestic …………………………………… 12
servants
Applicable for Buildings and/or Contents:
Optional Benefit No.6 - Increase of Indemnity limits under Additional Benefit E – Rent …………………………………… 12
Takaful
Optional Benefit No.7 - Increase of Indemnity limits under Additional Benefit F – Liability …………………………………… 12
to the Public
Optional Benefit No.8 - Extension to cover Riot, Strike and Malicious Damage …………………………………… 12
Optional Benefit No.9 - Extension to cover Subsidence and Landslip ……………………………………. 13
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HOUSEOWNER / HOUSEHOLDER CERTIFICATE
TARIFF
OUR AGREEMENT
Applicable for Consumer Takaful Contracts
This Certificate is issued in consideration of the payment of Contribution as specified in the Certificate Schedule and pursuant to the answers
provided in Your Application Form (or when You applied for this takaful) and any other disclosures made by You between the time of submission of
Your Application Form (or when You applied for this takaful) and the time this contract is entered into. The answers and any other disclosure given by
You shall form part of this contract of takaful between You and Us. However, in the event of any pre-contractual misrepresentation made in relation to
Your answers or in any disclosure given by You, only the remedies in Schedule 9 of the Islamic Financial Services Act 2013 will apply.
This Certificate reflects the term and conditions of the contract of takaful as agreed between You and Us.
Applicable for Non-Consumer Takaful Contracts
This Certificate is issued in consideration of the payment of Contribution as specified in the Certificate Schedule and pursuant to the answers
provided in the participant’s Application Form (or when the participant applied for this takaful) and any order disclosure made by the participant
between the time submission of the participant’s Application Form (or when the participant applied for this takaful) and the time this contract is entered
into. The answers and any other disclosure given by the participant shall form part of this contract of takaful between the participant and Etiqa General
Takaful Berhad (hereinafter called “the takaful operator”). In the event of any pre-contractual misrepresentation made in relation to the participant’s
answers or in any disclosures made by the participant, it may result in avoidance of the participant’s contract of takaful, refusal or reduction of the
participant’s claim(s), change of terms or termination of the participant’s contract of takaful.
This Certificate reflects the terms and conditions of the contract of takaful as agreed between the participant and the takaful operator.
WHAT MAKES UP THIS CERTIFICATE
Takaful does not cover You against everything that can happen.
Please read Your Certificate carefully to make sure You understand what it covers, the terms and conditions applicable and make sure You are
satisfied with this takaful.
The heading does not form part of the Certificate wording.
The Certificate, Schedule and Endorsements must be read together as they form Your takaful contract.
This Certificate sets out what You are covered for as shown on the Schedule and the circumstances where You are not protected or covered.
Some words and expressions have been printed out in bold because they have been given specific meaning in the Certificate. You will find their
meaning in the Glossary.
The coverage provided under this Certificate is subject to You fully observing and fulfilling the terms, provisions, Endorsements and clauses of the
Certificate.
YOUR DUTY TO INFORM US
Duty of Disclosure
Applicable for Consumer Takaful Contracts
Where You have applied for this takaful wholly for purposes unrelated to Your trade, business or profession, You have a duty to take reasonable care
not to make a misrepresentation in answering the questions in the Application Form (or when You applied for this takaful) i.e. You should have
answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of Your
contract of takaful, refusal or reduction of Your claim(s), change of terms or termination of Your contract of takaful in accordance with the remedies in
Schedule 9 of the Islamic Financial Services Act 2013.
You are also required to disclose any other matter that You knew to be relevant to Our decision in accepting the risks and determining the rates and
terms to be applied.
You also have a duty to tell Us immediately if at any time after Your contract of takaful has been entered into, varied or renewed with Us any of the
information given in the Application Form (or when you applied for this takaful) is inaccurate or has changed.
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Applicable for Non-Consumer Takaful Contracts
Where You have applied for this takaful wholly for purposes related to Your trade, business or profession, You have a duty to disclose any matter that
You know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person
in circumstances could be expected to know to be relevant otherwise it may result in avoidance of Your contract of takaful, refusal or reduction of Your
claims(s), change of terms or termination of Your contract of takaful.
You also have a duty to tell Us immediately if at any time after Your contract of takaful has been entered into, varied or renewed with Us any of the
information given in the Application Form (or when You applied for this takaful) is inaccurate or has changed.
Notice of Other Takaful
You must inform Us of any other takaful that You have bought at the time of purchasing this takaful, and also during the period of this takaful,
covering any of the same property covered under this Certificate.
Such notice should be given and endorsed by Us in this Certificate before the Occurrence of any loss or damage.
COVERAGE CLAUSE
(APPLICABLE FOR BUILDINGS AND/OR CONTENTS)
We will cover the Buildings and/or Contents as shown on Your Schedule during the Period of Takaful.
This cover will be given on the basis that You agree to pay Us the Contribution for the cover.
In respect of Covered Events occurring during the Period of Takaful and subject to the limitations, exceptions and conditions contained or endorsed
in the Certificate, We will, by payment or by reinstatement or repair, indemnify You against loss or damage to the property covered as mentioned in
the Schedule.
This Certificate covers You up to the amount of the Sum Covered as stated in the Schedule for loss or damage to Your building and/or Your
contents caused by a Covered Event.
Your Schedule will show if You have covered Your building, Your contents or both.
Your Building
“Buildings” means buildings of a Private Dwelling House at the Premises and includes:
all domestic offices, stables;
garages and outbuildings on the same Premises used solely in connection to it and on the same Premises;
Fixtures and Fittings;
walls, gates and fences around the Premises.
Private Dwelling House shall also refer to buildings of Flats and Apartments.
When Blocks of Flats or Apartments are covered, Private Dwelling House will refer to the Private Flats or Apartments.
Your Contents
“Contents” means Household goods and Personal Effects of every description, belonging to You or any member of Your Family normally residing
with You contained in the Private Dwelling House, Flat or Apartment and all domestic offices, stables, garages and out-buildings, used solely in
connection to it, on the same Premises specified on the Schedule.
What is Not Covered
The cover for the contents will not include:
a) Part of the structure or ceiling, wallpapers or anything similar;
b) Property covered under more specific policies;
c) Deeds, bonds, bills of exchange, promissory notes, cheques,
securities for money, stamps, documents of any kind, cash, currency
notes, bank notes manuscripts, medals and coins, motor vehicles
and accessories or livestock unless specifically mentioned in the
Schedule.
APPLICABLE WARRANTIES
(APPLICABLE FOR BUILDINGS AND/OR CONTENTS)
This Certificate is subject to the following Warranties:
RESTRICTION OF MERCHANDISE WARRANTY
No part of the Premises should be used for the manufacture or deposit or storage of merchandise during the Period of Takaful.
CONTRIBUTION WARRANTY
Contribution due to Us must be paid and received by Us within sixty (60) days from the inception date of this Certificate/Endorsement/renewal
Certificate.
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If the condition is not complied with, this contract shall be automatically cancelled and We shall be entitled to the pro-rated Contribution for the period
We provide the cover.
Where the Contribution payable is received by Our authorised agent, the payment is deemed to be received by Us for the purposes of this warranty.
The onus of proving that the Contribution payable was received by a person, including a takaful agent who was not authorised to receive such
Contribution, shall lie with Us.
COVERED EVENTS
(APPLICABLE FOR BUILDINGS AND/OR CONTENTS)
What is Covered
What is Not Covered
We will provide cover for loss or damage to Your Building and/or Contents
caused by any of the following:
1) Fire, Lightning, Thunderbolt, Subterranean Fire.
2) Explosion.
3) Aircraft & Other Aerial Devices and/or articles dropped there from.
4) Impact with any of the buildings:
i) For Private Dwellings, by any road vehicle or animals not
belonging to or under the control of:
You; or
Your Family member.
ii) For Block of Flats or Apartments, by any road vehicle or animals
not belonging to or under the control of:
You; or
Your agent or servant; or
Any person resident on the Private Flats or Apartments.
We will not provide cover for loss or damage to Your Building and/or
Contents as follows:
5) Bursting or Overflowing of Domestic Water Tanks, Apparatus or Pipes.
a) The Excess amount stated on the Schedule.
b) Destruction or damage occurring while the Private Dwelling House
is left unoccupied.
6) Theft, but only if accompanied by actual forcible and violent breaking
into or out of a building or any such attempt.
a) If the Private Dwelling House is unoccupied for more than ninety
(90) days whether consecutively or not in any one Period of
Takaful, the cover will be suspended unless agreed by Us by way
of an Endorsement.
b) Loss or damage due to theft by Your domestic servants or any
member of Your Family.
7) Hurricane, Cyclone, Typhoon, Windstorm.
a) The Excess amount stated in the Schedule.
b) Loss or damage to:
i) any building in the course of construction, reconstruction or
repair, unless all outside doors, windows and other openings
are complete and protected;
ii) metal smoke stacks, awnings, blinds, signs and other outdoor
Fixtures or Fittings including gates and fences.
8) Earthquake, Volcanic Eruption.
The Excess amount stated in the Schedule.
9) Flood.
a) The Excess amount stated in the Schedule.
b) Loss or damage to buildings caused by subsidence or landslip,
except as a result of earthquake or volcanic eruption.
10) Robbery and Hold Up in the Premises of Your property.
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ADDITIONAL BENEFITS
This refers to additional benefits provided to You without any additional Contribution, but which are subject to the terms and conditions of the Certificate.
Applicable if Your Certificate cover Your Contents only:
A) Contents Temporarily Removed
What is Covered
What is Not Covered
You are covered for a Covered Event when the contents are temporarily
removed from Your Private Dwelling, but remaining within the Geographical
Area, provided such contents are not covered under another takaful
Certificate.
The limit of liability of this benefit is fifteen (15) percent of the Total Sum
Covered on Contents.
a) Contents removed for sale or exhibition.
b) Contents placed at furniture storage area.
c) Losses due to Covered Event 7 (hurricane, cyclone, typhoon,
windstorm), Covered Event 8 (earthquake, volcanic eruption) and
Covered Event 9 (Flood) whilst the contents are in transit.
B) Breakage to Mirrors
What is Covered
What is Not Covered
You are covered for breakage of mirrors whilst in the Private Dwelling.
The limit of liability is RM500.00 per piece any one accident.
a) Hand Mirrors
C) Compensation for Death
You are covered against fatal injury (death) occurring in the Private
Dwelling House due to external or visible violence caused by thieves or by
fire, if the death occurs within three (3) calendar months of such injury.
If there are more than one (1) named covered, We will be liable for a pro-
rate proportion of the compensation. For a Corporation, You must nominate
a person or persons and lodge their name(s) with Us.
The limit of liability of this benefit is the sum specified on the Schedule or
one-half of the Total Sum Covered on Contents, whichever is lesser.
D) Servants Property
You are covered for loss or damage caused by a Covered Event to
clothing and Personal Effects of Your domestic servant(s), who stay with
You or Your Family within the Geographical Area as stated on the
Schedule, provided such contents are not covered under another takaful
Certificate.
a) Cash, currency notes bank notes and stamps.
Applicable if Your Certificate cover Your Building and/or Contents:
E) Rent Takaful
What is Covered
What is Not Covered
As an Owner, You are covered for loss of rent in the event Your Private
Dwelling House as stated on the Schedule is no longer habitable, as a
result of a Covered Event for the period necessary for reinstatement.
As an Occupier, We will pay for reasonable additional expenses incurred at
a hotel, lodging house or boarding house, as a result of a Covered Event,
for the period necessary for reinstatement.
The total limit of liability shall not exceed ten (10) percent of the Total Sum
Covered on Buildings and/or Contents.
This benefit is in additional to the Total Sum Covered as stated on the
Schedule.
F) Liability to the Public
We will indemnify You or Spouse Your legal liability in respect of accidents
or series of accidents arising out of one Occurrence, during the Period of
Takaful to property or bodily injury to another person, who is not a member
of Your Family, Household or in Your service:
a) Liability as owner of the covered Building caused by a defect in the
buildings.
b) Liability as an Occupier in respect of accidents which occur in or about
the private dwelling house.
a) Any claims brought against You or Spouse, in any country in courts
outside Malaysia.
b) All legal costs and expenses which are not incurred in or recoverable
in Malaysia.
c) We shall not be liable for injury or damage arising out of or incidental
to:
Ownership, possession or use by or on behalf of You or Spouse
of any lift, vehicle, vessel or craft of any kind;
The carrying out of alterations, additions, repairs or
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Our limit of liability shall not exceed the sum specified on the
Schedule. We will also indemnify You or Spouse:
i) Legal costs and expenses recoverable from You or Spouse by
any claimant, provided such legal cost and expenses were
incurred before the date We shall have paid or offered to pay the
full amount of the claim or the total amount recoverable in
respect of any one Occurrence.
ii) Legal costs and expenses incurred by You or Spouse with Our
consent.
If Buildings are for Blocks of Flats or Apartments, Our Indemnity to You is
restricted to Your legal liability for claims made on You as owner of the
Buildings, as specified on the Schedule, but not as a resident occupying
any part of the covered Buildings in respect of any accident occurring
during the Period of Takaful.
We will indemnify Your personal representative in the event of Your death,
in respect of the liability incurred by You or Spouse, provided the personal
representative observes and fulfils and is subject to the terms, conditions
and limitations of the Certificate.
decorations to Your buildings;
Damage to property by subsidence fire or explosion (other than
explosion of any domestic boiler fitted in an individual flat or
apartment in the covered Buildings), for takaful for Private Flats
or Apartments;
Any contractual agreement;
Asbestos or exposure or potential exposure to asbestos, any
actual or alleged asbestos related injury or damage involving the
use, presence, existence, detection, removal, elimination or
avoidance of asbestos;
Any part of the covered Buildings used in connection with Your
profession or business.
GENERAL EXCEPTIONS
(APPLICABLE FOR BUILDINGS AND/OR CONTENTS)
You will not be covered under the following circumstances:
General Exception 1
We will not cover loss or damage or other contingency caused directly or indirectly by:
a) War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), civil war;
b) Mutiny, riot, military or popular uprising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the
events or causes which determine the proclamation or maintenance of martial law or state of siege;
c) Any act of terrorism.
For this purpose, an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person
or groups of persons, whether acting alone or on behalf of or in connection with any organizations or governments, committed for political,
religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in
fear.
Any loss or damage or other contingency happening during the existence of abnormal conditions (whether physical or otherwise) which are caused
directly or indirectly, of any of the said Occurrences shall be deemed to be loss, damage or a contingency which is not covered by this takaful.
You have to prove that such loss, damage or other contingency happened independently of the existence of such abnormal conditions.
In any action, suit or other proceedings, where We alleges that by reason of the provisions of this Condition any loss or damage is not covered by
this takaful, the burden of proving that such loss or damage is covered shall be upon You.
General Exception 2
We will not cover loss or damage:
a) caused by cessation of work, or by confiscation, commandeering, requisition or destruction of or damage to the property by order of the
Government de jure or de facto or any Public Municipal or Local Authority of the country or area in which the property is situated;
b) to property by its own fermentation, natural heating or spontaneous combustion or by its undergoing any heating or drying process;
c) arising from or in consequence of or contributed to by nuclear weapons material;
d) arising from or in consequence of or contributed to by ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear
waste from the combustion of nuclear fuel. Solely for this purpose, combustion shall include any self-sustaining process of nuclear fission.
General Exception 3
We will not cover Consequential Loss or damage of any kind except Rent Takaful.
General Exception 4
We will not cover any Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease.
HOW WE WILL SETTLE YOUR CLAIM
(APPLICABLE FOR BUILDINGS AND/OR CONTENTS)
Permissible Takaful Interest
Only You have rights to claim from Us, except upon Your death, or by operation of law, the passing of interest of this takaful to another person shall
only take effect after We have endorsed the Certificate.
No Right of Claim from Any Other Person
Whilst the Certificate cover property of Your Family or domestic servant, only You can make a claim on their behalf.
Limit to Three (3) Paying Guests only
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This Certificate is valid if the number of paying guests, boarders and lodgers does not exceed three (3) persons.
For the purposes of Additional Benefit – F) Liability to the Public, these persons are deemed to be members of Your Household.
Market Value
We will indemnify You the covered value or the Market Value of the covered property whichever is lower subject to the deduction of any Excess.
Market value means the value of the property covered at the time of loss or damage less allowance for Wear and Tear and/or Depreciation.
The Market Value shall be determined by a valuation obtained by Us from the:
manufacturer, or
authorised sole agent or agent, or
authorised broker, authorised distributer, or
building contractor, or
loss adjuster registered under the Islamic Financial Services Act 2013, or
Registered Valuer under the Valuers and Appraisers Act 1981 to be mutually appointed by You and Us.
The valuation so obtained shall be conclusive in any legal proceedings against Us.
Our Maximum Liability
Our total liability to You in respect of loss or damage during any one Period of Takaful will not exceed the amount stated against each item or in the
aggregate, the Total Sum Covered specified on the Schedule or such other sum or sums endorsed in this Certificate.
Average
If the market value of the property covered at the time of any loss is collectively of higher value than the Sum Covered stated in the Schedule, then
You will be responsible for the difference and bear a proportional share of the loss. The sharing of proportional loss will apply separately to each item
covered.
Excess
For loss or damage (except by fire) to the Buildings of the Private Dwelling House by any Covered Event where Excess applies, Excess shall
separately apply to:
a) each building. All buildings at the same Premises stated in the Schedule are considered as one building.
b) each incident. If the same Covered Event occurs within seven (7) consecutive days, it is considered the same incident.
Other Takaful
If there are any other policies covering the same or part of the same loss, damage or liability, We will only pay a share of the total loss, damage or
liability proportionally.
Subrogation
We are entitled to undertake in Your name and on Your behalf:
the full conduct, control and settlement of any proceedings;
recover compensation or secure Indemnity from any third party in respect of anything covered by this Certificate.
at Our own expense and benefit.
Fraud
We will not pay if Your claim is in any way fraudulent by You or persons acting on Your behalf.
Right of Access and Control
On the happening of any loss or damage We are entitled to:
enter any building where the loss or damage has happened;
take and keep possession of the covered property;
deal with the salvage of the damaged covered property.
However, You shall not abandon the damaged covered property to Us.
Arbitration
Any difference on the amount of any loss of damage between You and Us shall be referred to an arbitrator who shall be appointed in writing by You
and Us. In case You and Us are unable to agree on a single Arbitrator, within two months of being required in writing to do so by either party, then
You and Us shall be entitled to appoint an Arbitrator each who shall appoint an Umpire to preside over their meetings. However, one party is at liberty
to appoint a sole Arbitrator, should the other party within two months of the written notice fail to appoint the other Arbitrator.
The costs of arbitration and awards shall be decided by the Arbitrator, Arbitrators or Umpire.
You and Us clearly agree that the awards by the Arbitrator, Arbitrators or Umpire shall be obtained first before You can commence legal proceedings
on Us.
Sanction Limitation Clause
This Certificate shall not provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of
such cover, payment of such claim, or provision of such benefit would expose Us to any sanction, prohibition or restriction under the United Nations
resolutions, or trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America or any of its
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states, and/ or any other applicable economic or trade sanction laws or regulations. We may terminate this Certificate with immediate effect and shall
not thereafter be required to transact any business with You in connection with this Certificate.
HOW TO MAKE A CLAIM
(APPLICABLE FOR BUILDINGS AND/OR CONTENTS)
Notice and Proof of Claim
You must immediately notify in writing to Us of any loss or damage and:
at Your own expense and within 30 days after the incident, deliver to Us a claim in writing with detailed particulars and proofs as We may
reasonably require;
for loss or damage by theft or attempted theft, You must immediately make a Police report.
Building Plans
If We elect to reinstate any building, You must furnish Us plans, specifications and quantities as We may reasonably require.
Liability Claims
You shall upon receiving any notice of any accident or claim from other parties, give Us immediate notice in writing and as soon as possible supply
Us full particulars in writing.
You shall send to Us immediately any writ, summons or other legal process issued or commenced against You and provide all necessary information
and assistance to enable Us to settle or resist any claim or institute proceedings.
You shall not without Our written consent:
admit or repudiate any claim or liability;
offer or negotiate to pay a claim.
YOUR RESPONSIBILITY
(APPLICABLE FOR BUILDINGS AND/OR CONTENTS)
Duty of Care
You shall use all reasonable diligence and care to keep the Premises in proper state of repair. As owner of the Private Dwelling, You shall made good
as soon as possible any defect discovered and shall, in the mean time, take additional precautions to prevent injury, loss or damage.
We will not be liable for any injury, loss or damage caused by You failing to remedy such defect after receiving notice from Us or from any person or
public body.
Reinstatement of Sum Covered
After a loss, the full Sum Covered of this takaful shall be maintained.
You are required to pay an additional pro rata Contribution based on the amount of loss calculated from the date of loss to the expiry date of takaful.
Unvalued Certificate Clause
This is an unvalued Certificate. You must prove to the satisfaction of the takaful operator the value of the property at the time of the happening of its
destruction or the amount of such damage.
HOW YOUR CERTIFICATE MAY BE CANCELLED
(APPLICABLE FOR BUILDINGS AND/OR CONTENTS)
You may cancel this Certificate at any time by giving Us notice in writing. You shall be entitled to a refund of Contribution after We have charged You
based on Our customary short-period rates or minimum Contribution payable under the Certificate, whichever is higher.
We may also cancel this Certificate at any time by giving You seven days’ notice in writing and will refund the pro rata Contribution equal to the
unexpired Period of Takaful.
SURPLUS DISTRIBUTION
Takaful is a mutual assistance scheme based on the spirit of brotherhood and solidarity where Participants like You agree to assist each other financially
in case of certain defined need. With this intention in mind, Participants pay their contributions on the basis of Tabarru’ (donation) to the General
Takaful Fund (Fund) managed by Etiqa General Takaful Berhad (Takaful Operator). Payment of sum covered to Participants is payable from the Fund
based on the concept of Tabarru’.
As the Takaful Operator, We are responsible for selecting Participants and to determine and collect the contributions. We are also responsible for
investing the Fund and paying benefits to entitled Participants. All proceeds from investments will be credited into the Fund. The Fund is collectively
owned by the Participants where Tabarru' portion of the contribution is placed for the purpose of takaful. The relationship between You and Us is
governed by the Wakalah (agency) contract.
The surplus from the General Takaful Fund (Fund) will be determined annually and will be payable for annual Certificate. The distribution, if any, makes
allowance for contingency provisions, and is subject to the surplus policy approved by Our Shariah Committee. The distributable surplus, if any, is fifty
percent (50%) paid to Us for operating and managing the Fund based on the contract of Ju’alah (reward), and the remaining fifty percent (50%) is shared
between Participants whose Certificates have not terminated and who have not made any claim within the financial year. In the event of any deficit from
the Fund, there will be no surplus distribution for that financial year. Under such circumstance, the deficit will be first funded by the amount allocated for
contingency purposes. If the Fund is still in deficit, a Qard (interest-free loan) will be arranged. The Qard will be carried forward to the following financial
year and any surplus emerging thereafter will be used to pay off the Qard. If the surplus is less than Ringgit Malaysia Ten (RM10.00), We shall credit such
sum into a charitable fund, which will be utilized as Amal Jariah on behalf of the Participants.
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GLOSSARY
Some words and expressions in this Certificate have a specific meaning which is given below. Each word is printed in bold where it appears.
"Certificate” means Your takaful contract which consists of this Certificate wording and Schedule.
“Consequential Loss” means financial loss.
“Consumer Takaful Contracts” means takaful wholly for purposes unrelated to the covered’s trade, business or profession.
“Communicable Disease” means any disease which can be transmitted by means of any substance or agent from any organism to another
organism where:
a) the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed
living or not;
b) the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid transmission, transmission
from or to any surface or object, solid, liquid or gas or between organisms; and
c) the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to,
deterioration of, loss of value of, marketability of or loss of use of property covered hereunder.
“Contribution” means any amount We require You to pay under the Certificate and includes Government charges.
“Covered Event” means one of the perils listed under this Certificate.
“Depreciation” means the reduction in the value of the item or property due to Wear and Tear.
“Endorsement” means a written alteration to the terms, conditions and limitations of this Certificate which is shown on the Schedule.
“Erosion” means being worn or washed away by water or wind.
“Excess” means the amount You must pay towards a claim before We pay. The amount will be stated on the Schedule or in any selected Optional
Benefits.
“Flood” means the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water
mains and any other flow or accumulation of water originating from outside the building.
“General Takaful Fund (Fund)” means the Participants’ account where Tabarru’ portion of the Contribution is placed for the purpose of Takaful. The
Fund is collectively owned by the Participants and the Sum Covered shown in the Takaful Schedule is payable from the Fund.
“Ju’alah” is a reward contract. It is an exchange contract for a known or unknown task, that is difficult to precisely determine and for which payment is
due only once the work has been completed. In relation to this Certificate, it refers to the reward given to Us agreed upfront by You and Us for good
management of the Fund.
“Family” and “Household” means any person(s) who normally reside with You.
“Fixtures” and “Fittings” means items that are permanently attached to Your building.
“Indemnity” means putting You back to Your same financial position immediately before the loss.
“Non-Consumer Takaful Contracts” means takaful for purposes related to the covered’s trade, business or profession.
“Occurrence” means the exact period when the incident took place.
“Open” means anywhere at the Premises not fully enclosed by walls and a roof and which is not able to be Secured, also any outbuildings on the
Premises if such buildings are not able to be Secured.
“Period of Takaful” means the period for which You are covered. It commences at the time We agree to give You takaful and finishes at midnight
on the day of expiry. The expiry date is shown on the Schedule.
“Personal Effects” means personal items regularly worn or carried on the person for his/her personal use, for example clothing, watch, and wallet.
“Plate Glass” means glass fitted to the structure of the building.
“Qard” in the context of this Certificate, it means an interest-free loan which is given by Us to the General Takaful Fund when it becomes insufficient
to fulfil its Takaful obligation provided that the insufficiency is not due to Our mismanagement or negligence. The loan will be repaid by the future
surpluses from the General Takaful Fund. If the insufficiency is due to Our mismanagement or negligence, We will make the outright transfer for the
insufficiency.
“Robbery and Hold Up” means that the items covered are either taken away or surrended; in both instances due to force, menaces or threat of
physical violence made against You, or persons living with You in a common Household, or other persons authorized to be on Your Premises.
“Schedule” means the Certificate Schedule where both the covered items and Sum Covered are specified.
“Secured” means locked so as to prevent entry other than by using force.
“Tabarru’” means Contribution, donation or gift. In the context of this Certificate, it means Contribution for the purpose of Takaful. This portion is
placed in the General Takaful Fund.
“Premises“ means the land at the address shown on the Schedule on which the building is built, including the yard or garden used only for domestic
purposes.
“Sum Covered” means the amount You have covered on either Your building, Your contents (including specified contents) as shown on the
Schedule. This shall include the Additional Benefits and any of the Optional Benefits selected by You.
10 PMG/EGTB/HOHH/CW/ENG/2403V2.1
“Customary short-period rates” means the following:
Period Not Exceeding
Percentage of Rate Charged
Period Not Exceeding
Percentage of Rate Charged
15 days
10% of Annual Rate
7 months
75% -do-
1 month
20% -do-
8 months
80% -do-
2 months
30% -do-
9 months
85% -do-
3 months
40% -do-
10 months
90% -do-
4 months
50% -do-
11 months
95% -do-
5 months
60% -do-
12 months
100% -do-
6 months
70% -do-
“Wakalah” refers to a contract where a party, as principal authorizes another party as his agent to perform a particular task on matters that may be
delegated with or without imposition of a fee. In the context of this Certificate, it means that You has appointed Us to invest and manage the General
Takaful Fund on Your behalf. You have also authorized Us to delegate its rights, duties and obligations to any third party as it deems fit. In the event of
such delegation, We will remain liable and responsible for all such rights, duties and obligations towards You.
“Warranties” means either restriction or obligation that the Certificate imposes on You. A breach of a warranty will entitle Us to reject the claim for loss
or damage or liability.
“Wear and Tear” means damage or a reduction in value through age, ordinary use or lack of maintenance.
“We, Our and Us” means the takaful operator.
“You and Your” means the person(s) named on the Schedule as the covered person.
THE FOLLOWING WARRANTIES/CLAUSE/ENDORSEMENTS ARE APPLICABLE IF SPECIFIED IN THE
SCHEDULE
C008 FOUNDATION EXCLUSION CLAUSE
The takaful on Building(s) excludes that part of any building below the under surface of its lowest floor (and those parts of the concrete
foundations for machinery which extend above such level).
C42B DATE RECOGNITION CLAUSE
It is noted and agreed this Certificate is hereby amended as follows:
A. The takaful operator will not pay for any loss or damage including loss of use with or without physical damage, injury (including bodily
injury), expenses incurred or any Consequential Loss directly or indirectly caused by, consisting of, or arising from, the failure or
inability of any computer, data processing equipment, media microchip, operating systems, microprocessors (computer chip), integrated
circuit or similar device, or any computer software, whether the property of the covered or not, and whether occurring before, during or
after the year 2000 that results from the failure or inability of such device and/or software as listed above to:
1. correctly recognize any date as its true calendar date;
2. capture, save or retain, and/or correctly manipulate, interpret or process any data or information or command or instruction as a
result of treating any date other than its true calendar date; and/or
3. capture, save retain or correctly process any data as a result of the operation of any command which has been programmed into
any computer software, being a command which causes the loss of data or the inability to capture, save, retain or correctly process
such data on or alter any date.
B. It is further understood that the takaful operator will not pay for the repair or modification of any part of any electronic data processing
system or any part of any device and/or software as listed above in A.
C. It is further understood that the takaful operator will not pay any loss or damage including loss of use with or without physical damage,
injury(including bodily injury), expenses incurred or any Consequential Loss directly or indirectly arising from any device,
consultation, design, evaluation, inspection, installation, maintenance, repair or supervision done by the covered person or for the
covered person or by or for others to determine, rectify or test, any potential or actual failure, malfunction or inadequacy described in A
above.
D. It is further understood that the takaful operator will not pay any Consequential Loss resulting from any continuing inability of the
computer and equipment described in A above to correctly recognize any date as its true calendar date after the lost or damaged
property has been replaced or repaired.
Such loss or damage, injury (including bodily injury), expenses incurred or any Consequential Loss referred to in A, B, C or D above, is
excluded regardless of any other cause that contributed concurrently or in any other sequence to the same.
Subject otherwise to the terms and conditions of the Certificate.
C045 PROPERTY DAMAGE CLARIFICATION CLAUSE
Property damage covered under this Certificate shall mean physical damage to the substance of property. Physical damage to the substance
of property shall not include damage to data or software, in particular any detrimental change in data, software or computer programs that is
caused by deletion, a corruption or a deformation of the original structure. Consequently, the following are excluded from this Certificate:
A. Loss of or damage to data or software, but not limited to any detrimental change in data, software or computer programs that is caused
by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss or
damage.
Notwithstanding this exclusion, loss or damage to data or software, which is the direct consequence of covered physical damage to the
substance of property, shall be covered.
11 PMG/EGTB/HOHH/CW/ENG/2403V2.1
B. Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer
programs and any business interruption losses resulting from such loss or damage.
M014 COMMUNICABLE DISEASE ENDORSEMENT
A. This certificate, subject to all applicable terms, conditions and exclusions, covers losses attributable to direct physical loss or physical
damage occurring during the period of takaful. Consequently, and notwithstanding any other provision of this certificate to the contrary,
this certificate does not cover any loss, damage, liability, claim, cost or expense of whatsoever nature, directly or indirectly caused by,
arising out of, resulting from, attributable to or in connection with (regardless occurring concurrently or in any sequence) with a
Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease.
B. For the purposes of this endorsement, loss, damage, liability, claim, cost or expense of whatsoever nature includes, but is not limited to,
any cost to clean-up, detoxify, remove, monitor or test:
i. for a Communicable Disease, or
ii. any property covered hereunder that is affected by such Communicable Disease.
CHANGES IN TAXATION, REGULATIONS AND LEGISLATION
We may vary the terms of this Certificate if there are changes in taxation, regulations or legislation that affect this Certificate. We shall notify
You in writing when the terms in this Certificate need to be changed.
Appendix:
(Note: It is recommended that only the Optional Benefits selected by the Participant are to be inserted in the Certificate
jacket)
OPTIONAL BENEFITS
For an additional Contribution, Your Certificate may be extended to cover the following benefits to the covered Buildings and/or Contents. These
optional benefits will be stated on the Schedule if You choose to take these up.
Applicable for Buildings Only
Optional Benefit No 1 – Extension to cover Landlord’s Household Goods and Furnishings in blocks of
flats/apartments (N.B This benefit is meant for landlord only).
What is Covered
What is Not Covered
As the owner of the covered Buildings, We will cover You for a sum of
RM......... being the full value of the Household goods and furnishings
belonging to You. This amount will apply in equal proportion to each
Private Flat/Apartment.
The Covered Events pertaining to the loss or damage to the Landlord’s
Household goods and furnishing under this extension are:
1. Fire, Lightning, Thunderbolt, Subterranean Fire.
a) Household goods, furnishings or Personal Effects of any description
brought into the Private Flat/Apartment by tenants;
b) Gold or silver articles.
2. Explosion.
3. Aircraft and Other Aerial Devices and/or Articles dropped therefrom.
4. Impact with any of the buildings by any road vehicles or animals not
belonging to or under the control of:
You or Your agent or servant.
Any person resident in the Private Flats/Apartments or his agent
or servant.
5. Bursting or Overflowing of Domestic Water Tanks, Apparatus or
Pipes.
a) The Excess amount stated in the Schedule;
b) Destruction or damage occurring while the Private Flat/Apartment are
left unoccupied.
6. Theft but only if accompanied by actual forcible and violent breaking
into or out of the building or any such attempt.
7. Hurricane, cyclone, typhoon and windstorm
8. Earthquake and Volcanic Rupture
9. Flood including overflow of the sea
For Additional Benefit E) Rent Takaful, this amount will be added to
the Total Sum Covered on Buildings as stated on the Schedule.
Additional Benefit F) Liability to the Public will now include “cover for
accidents caused by a defect in landlord’s Household goods and
12 PMG/EGTB/HOHH/CW/ENG/2403V2.1
furnishings”.
Optional Benefit No. 2 – Takaful of Plate Glass
This takaful is extended to cover accidental breakage of Plate Glass,
occurring during the Period of Takaful for:
1. The replacement of Plate Glass with glass of similar manufacture
or quality or at Our option, We will pay You the cost of such
replacement subject to a maximum sum of RM1,000.00 per glass
sheet.
2. The cost incurred in boarding up such breakage for which We are
liable.
a) Breakage of or damage to frames or framework of any description;
b) Cost of removal or replacement of any Fittings or Fixtures;
c) Breakage of glass in conservatories, green houses or outbuildings;
d) Breakage of glass which is broken or damaged at the commencement of
this takaful;
e) Any Consequential Loss.
Optional Benefit No. 3 – Extension to cover against loss or damage by hurricane, cyclone, typhoon or windstorm to metal
smoke stacks, awnings, blinds, signs and other outdoor Fixtures and Fittings including gates and fences
This takaful is extended to cover loss or damage to metal smoke stacks,
awnings, blinds, signs and other outdoor Fixtures and Fittings including
gates and fences under Covered Event 7(b).
Optional Benefit No. 4- Extension to cover alterations, repairs and additions (but not appreciation in value in
Excess of the sum Covered)
This takaful is extended to cover alterations, repairs and additions (but
not in appreciation in value in Excess of the Sum Covered) to Buildings
for an amount not exceeding 25% of the Total Sum Covered on
Buildings.
Additional Benefit F) Liability to the Public will now include cover for
liability arising out of or incidental to the carrying out of alterations,
additions, repairs or decorations to buildings.
Applicable for Contents Only
Optional Benefit No. 5A – Extension for extended theft cover but excluding theft by domestic servants or any
member of Your Family or Household
What is Covered
What is Not Covered
Covered Event No. 6 will now be read as follows:
Theft or any attempted theft.
For contents temporarily removed, theft is only covered:
i) at any Bank, Safe Deposit or occupied private dwelling;
ii) in any building where You or any member of Your Family is
residing;
iii) in the course of removal to or from any Bank or Safe Deposit whilst
You, a member of Your Family or an authorised person is in
charge.
For contents temporarily removed to places other than i), ii) and iii)
above, the contents will only be covered against theft or any attempted
theft, when accompanied by actual forcible and violent breaking into or
out of a building.
1. (a) If the building or any part of it are lent, let or sub-let.
(b) If theft occurs in any outbuilding not directly communicating with the
private dwelling house or private flat/apartment/condominium.
(c) Theft of servant’s property outside Your private dwelling house or
private flat/apartment/condominium
UNLESS accompanied by actual forcible and violent breaking into or
out of a building.
2. Theft from the Open.
3. The first 1% of the Total Sum Covered or RM250.00, whichever is
lower.
4. Theft by Your domestic servants or any member of Your Family or
Household.
If the Private Dwelling House was unoccupied for more than ninety (90)
days consecutively in any one Period of Takaful, this cover will be
suspended unless agreed by Us by way of an Endorsement.
Optional Benefit No. 5B – Extension for extended theft cover including theft by domestic servants
Covered Event No. 6 will now be read as:
Theft or any attempted theft including theft by the Covered Person’s
domestic servant(s).
For contents temporarily removed, theft is only covered:
i) at any Bank, Safe Deposit or occupied private dwelling.
ii) in any building where You or any member of Your Family is
residing;
1. (a) If the building or any part of it are lent, let or sub-let.
(b) If theft occurs in any outbuilding not directly communicating with the
private dwelling house or private flat/apartment/condominium.
(c) If theft of servant’s property other than from the private dwelling
house or private flat/apartment/condominium
UNLESS accompanied by actual forcible and violent breaking into or
out of a building.
13 PMG/EGTB/HOHH/CW/ENG/2403V2.1
iii) in the course of removal to or from any Bank or Safe Deposit whilst
You, a member of Your Family or an authorised person is in
charge.
For contents temporarily removed to places other than i), ii) and iii)
above, the contents will only be covered against theft or any attempted
theft, when accompanied by actual forcible and violent breaking into or
out of a building.
2. Theft from the Open.
3. The first 1% of the Total Sum Covered or RM250.00, whichever is
lower.
4. If the Private Dwelling House was unoccupied for more than ninety (90)
days consecutively in any one Period of Takaful, this cover will be
suspended unless agreed by Us by way of an Endorsement.
Applicable for Buildings and/or Contents
Optional Benefit No. 6 – Increase of Indemnity limits under Additional Benefit E – Rent Takaful
What is Covered
What is Not Covered
The limit of liability under the Additional Benefit E- Rent Takaful is
increased to .......... ( ) per cent of the Total Sum Covered on
Buildings and /or Contents.
Optional Benefit No. 7 – Increase of Indemnity limits under the Additional Benefit F - Liability to the Public
The limit of liability under the Additional Benefit F- Liability to the Public is
increased to RM.................... for any one accident or series of accidents
out of one Occurrence.
Optional Benefit No. 8 – Extension to cover Riot, Strike and Malicious Damage
This takaful is extended to cover Riot, Strike, Malicious Damage.
Loss or damage to property covered directly caused by:
1. The act of any person taking part together with others in any
disturbance of the public peace (whether in connection with a strike
or lock-out or not) not an Occurrence mentioned in items (a), (b)
and (c) under the section “What is Not Covered” of this extension.
2. The action of any lawfully constituted authority in suppressing or
attempting to suppress any such disturbance or in minimising the
consequences of any such disturbance.
3. The wilful act of any striker or lock-out worker done in furtherance of
a strike or in resistance to a lock-out.
4. The action of any lawfully constituted authority in preventing or
attempting to prevent any such act or in minimising the
consequences of any such act.
5. The malicious act of any person (whether or not such act is
committed in the course of a disturbance of the public peace) not
being an act amounting to or committed in connection with an
occurrence mentioned in items (a), (b) and (c) under the section
“What is Not Covered” of this extension.
Average
If the property covered shall at the breaking out of any fire or at the
commencement of any destruction of or damage to such property by any
other peril covered against by this extension is collectively of greater
value than the Sum Covered, then You will be responsible for the
difference and will bear a pro-rated share of the amount of loss. This
average condition will apply separately for each item covered.
Subject otherwise to the terms and conditions of the Certificate.
Loss or damage occasioned by or through or in consequence, directly or
indirectly, of any of the following Occurrences, namely:
a) War, invasion, act of foreign enemy, hostilities, or warlike operations
(whether war be declared or not), civil war;
b) Mutiny, civil commotion assuming the proportions of or amounting to a
popular uprising, military uprising, insurrection, rebellion, revolution,
military or usurped power;
c) Any act of terrorism,
For this purpose, an act of terrorism means an act, including but not
limited to the use of force or violence and/or the threat of any person or
groups of persons, whether acting alone or on behalf of or in
connection with any organisations or governments, committed for
political, religious, ideological or similar purposes including the
intention to influence any government and/or to put the public, or any
section of the public in fear.
In any action, suit or other proceedings, where We alleges that by
reason of the provisions of this Condition any loss or damage is not
covered by this takaful, the burden of proving that such loss or damage
is covered shall be upon You.
d) In respect of malicious acts, We shall not be liable for any loss or
damage by fire or explosion nor for any loss or damage arising out of
or in the course of burglary, housebreaking, theft or larceny or any
attempt of such acts or caused by any person taking part.
e) Loss of earnings, loss by delay, loss of market or other consequential
or indirect loss or damage of any kind or description whatsoever.
f) Loss or damage due to total or partial cessation of work or the
retarding or interruption or cessation of any process or operation.
g) Loss or damage caused by permanent or temporary dispossession
resulting from confiscation, commandeering or requisition by any
lawfully constituted authority.
h) Loss or damage caused by permanent or temporary dispossession of
any building resulting from the unlawful occupation by any person of
such building.
For g) or h) above, We are not relieved of any liability to You in respect of
physical damage to the property covered occurring before
dispossession or during temporary dispossession.
Optional Benefit No. 9 – Extension to cover Subsidence and Landslip
This takaful is extended to cover loss or damage to the property covered
caused by:
We will not pay for loss or damage:
14 PMG/EGTB/HOHH/CW/ENG/2403V2.1
i) subsidence and/or heave of the site on which the buildings stand or
land belonging to; or
ii) landslip.
Subject otherwise to the terms and conditions of the Certificate.
a) to swimming pools, terraces, patios, drives, footpath, walls, gates or
fences unless the building, its outbuilding or garages are damaged by
the same cause and at same time;
b) to or resulting from movement of solid floor slabs, unless the
foundation beneath the external walls of the buildings is damaged by
the same cause and at the same time;
c) Directly or indirectly caused by:
Coastal or river Erosion;
Demolition, structural alteration or structural repair;
Defective design or inadequate construction of foundations.
c) This Optional Benefit is subject to the following Excess, and is
applicable for each and every loss:
5% of the total Sum Covered or RM25,000.00 whichever is the lower,
ascertained after the application of any condition of average.
Note: This Takaful can be extended to cover item (a) of this Optional Benefit with payment of additional
Contribution based on a separate Sum Covered.
15 PMG/EGTB/HOHH/CW/ENG/2403V2.1
CERTIFICATE INFORMATION STATEMENT
1. In case of any changes to Your address, please inform Us immediately.
2. If You have any enquiries other than claims, please contact Us at:
Etiqa General Takaful Berhad
Level 13, Tower B, Dataran Maybank
No. 1, Jalan Maarof
59000 Kuala Lumpur, Malaysia
Telephone Number: +603 2297 3888
Facsimile Number: +603 2297 3800
Etiqa Oneline: 1300 13 8888
E-mail: info@etiqa.com.my
Homepage: www.etiqa.com.my
3. In the event of claims under the Certificate, please call Our Claims Assist at 1300 88 1007.
COMPLAINT PROCEDURES
If You feel that Our service to You needs improvement, please let Us have Your feedback by contacting Us by post at:
Complaint Management Unit
Etiqa General Takaful Berhad
Level 6, Tower B, Dataran Maybank
No. 1, Jalan Maarof
59000 Kuala Lumpur, Malaysia;
Or by telephone number 1300 13 8888 or +603 2780 4500 (Overseas)
Facsimile Number: +603 2297 1919
E-mail: complain[email protected]m.my
We assure You that Your feedback will be looked into.
The Ombudsman for Financial Services (OFS) and Bank Negara Malaysia’s Laman Informasi, Nasihat & Khidmat (BNMLINK) provide alternative
avenues for members of the public to seek redress against unfair market practices.
PROCEDURE FOR COMPLAINT TO OFS
The Ombudsman for Financial Services (OFS) may be contacted by the Claimant or Participant, in the event that the Claimant or Participant is
dissatisfied with Our decision to a dispute, or Our failure to respond to a complaint within sixty (60) days. The OFS contact details are as follows:
Email: enquiry@ofs.org.my
or
Facsimile Number: +603-2272 1577
or
Postal address:
Chief Executive Officer
Ombudsman for Financial Services
Level 14, Main Block
Menara Takaful Malaysia
No.4, Jalan Sultan Sulaiman
50000, Kuala Lumpur
Alternatively, the Claimant or Participant may file the dispute in person at the OFS office.
The OFS must be contacted within six (6) months from the date of the final decision from Us to the dispute of the Claimant or Participant.
For further details on the OFS, please obtain the information pamphlets from Us or visit the OFS website at www.ofs.org.my.
Engagement of the OFS is subject to the terms of reference pursuant to Section 138 of the Islamic Financial Services Act 2013. Contacting the OFS
does not affect the Claimant’s or Participant’s right to take legal action against Us should they be dissatisfied with the outcome by the OFS.
PROCEDURE FOR COMPLAINT TO BNMLINK
Any Participant or Claimant who is not satisfied with the conduct of the takaful operator may write to BNMLINK, giving details of the complaint, the name
of the takaful operator and the Certificate number or the claim number.
Copies of the correspondence (if any) between the Participant or the Claimant and the takaful operator may be sent to facilitate tracing the case file kept
by the takaful operator.
The contact details are as follows:
Director, Jabatan LINK dan Pejabat Wilayah
Bank Negara Malaysia
Jalan Dato’ Onn
50480 Kuala Lumpur, Malaysia
Telephone Number: 1300 88 5465
Facsimile Number: +603 2174 1515
E-mail: bnmlink@bnm.gov.my