Terms of Use

This website and the following MSIG Singapore social media pages (Facebook, Instagram, LinkedIn, YouTube and Twitter) are owned and operated by MSIG Insurance (Singapore) Pte Ltd ("MSIG Insurance"), an insurer licensed to underwrite general insurance in Singapore.

By accessing and/or using this website and any of its pages, and any of our social media pages, you are bound by these Terms of Use. MSIG Insurance has the right to change these Terms of Use from time to time.

By accessing and/or using any of our social media pages, you are also bound by the policies set by the social media channels. MSIG Insurance encourages you to read and understand the policies set by these social media channels before use. To read these policies, please click on the following links:

Facebook | Instagram | LinkedIn | YouTube | Twitter

Disclaimer

The content on this website and our social media pages have been prepared for general information purposes only and no part of the content constitutes an offer to sell unless we expressly say otherwise. While MSIG Insurance endeavours to ensure that the content is accurate and up-to-date, MSIG Insurance makes no representation or warranty of any kind as to the accuracy or completeness of the content or any part of it. MSIG Insurance is not under any obligation to update or correct any error in the information after the date of its publication.

We do not give any warranty that access to this website, in parts or as a whole, or to our social media pages, in parts or as a whole, will be provided uninterrupted or free from errors, viruses or other malicious, destructive or corrupting code, agent, program or macros.

We have in place firewalls that protect this website. Industry standard Secure Socket Layer (SSL) communication protocol is the de facto cryptographic standard that we use for securing data communication between the browser and our website. However, the Internet is not a secure medium and we do not give any guarantee that any communication through this website or our social media pages that you may send us or we may send to you will be received or that the contents will remain confidential, secure or unmodified during the transmission.

You should not, therefore, send us sensitive financial data like your credit card number through e-mail or our social media pages.

Unless we expressly say so, this website and our social media pages do not provide full information on any of the insurance coverages we provide, its benefits, terms, conditions and exclusions.

This website and our social media pages do not provide personal financial or investment advice that takes into account your particular circumstance. As such, before you apply for any insurance or make any financial or investment decision, you should assess whether the information on this website and/or our social media pages are appropriate to your financial or investment circumstance and/or consult your insurance or financial adviser.

The information and materials contained in or accessed through this website and our social media pages are provided on an "as is" and "as available" basis and are of a general nature which have not been verified, considered or assessed by any member of MSIG Insurance in relation to the making of any specific investment, business, financial or commercial decision.

MSIG Insurance does not warrant the truth, accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through this website and our social media pages and expressly disclaims liability for any errors in, or omissions from, such information and materials.

You acknowledge and accept that MSIG Insurance, its directors, officers, employees and its associated, affiliated and subsidiary companies and their respective directors, officers and employees shall not under any circumstances, and regardless of cause of action, be liable to you or any other party for damages, losses, expenses, costs or any other form of compensation and/or restitution. This includes, without limitation, any direct, indirect, special, incidental or consequential damages, loss of profits or loss of opportunity arising in connection with your use of this website and/or our social media pages, or reliance on any information, materials or online services provided at this website and/or our social media pages, regardless of the form of action and even if MSIG Insurance had been advised as to the possibility of such damages. This is notwithstanding any resultant failure of performance, interruption, delay in transmission or operation, computer virus or any line failure, of whatsoever nature and howsoever caused.

Applying for Insurance through this website

Unless we expressly say otherwise, any valid insurance application made through this website will not be effective until the application has been approved and accepted by MSIG Insurance in writing. The insurance application when accepted by MSIG Insurance will form part of and be governed by the terms and conditions contained in the insurance policy that MSIG Insurance will issue to you.

Social Media Community Guidelines

While we welcome and encourage you to engage with us through our social media pages, we would also like to remind you to be mindful of your comments and the information you disclose publicly. Social media channels are public space on the internet and interactions are publicly viewable and searchable over time.

MSIG Insurance will, in its discretion, choose not to comment on any issues of controversy and/or exercise the option to take preventive actions against those who abuse our social media pages or remove any posts which may be offensive, abusive, defamatory, illegal, sensitive, hateful, inaccurate, harmful, spam and/or infringe any intellectual property rights.

Please also refrain from disclosing your personal particulars such as full name, identification number and contact details on public comments, visitor’s post and/or reviews. If you need us to answer any specific questions in relation to your policies or claims with us, please email us at service@sg.msig-asia.com.

If you have a comment directly relating to our social media pages or would like to report an inappropriate comment for us to review, please send us a private/ direct message (PM/ DM) or email us at media@sg.msig-asia.com.

Linked websites

This website and our social media pages may be linked to other websites which are not maintained by MSIG Insurance. MSIG Insurance does not accept any responsibility for the contents on these websites. The link provided in this website and our social media pages to other websites also does not mean or imply MSIG Insurance's approval or endorsement of such websites or their contents.

Copyright

Copyright in the whole and every part of this site and our social media pages belong to or are licensed to MSIG Insurance, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form in or on any media to any person without prior consent of MSIG Insurance. MSIG Insurance is the owner and proprietor of or has the right to use all the marks, whether service marks, trade marks or logos found in this website and our social media pages. You cannot use these marks and icons. Any pictures or images displayed on this website and our social media pages belong to or are displayed by MSIG Insurance with permission of the owners of these pictures or images. You cannot use any of these pictures or images.

Privacy & Cookies Policy

Please see our Privacy & Cookies Policy.

Applicable Law and Jurisdiction

By accessing this website and our social media pages, you agree that such access and/or use, as well as these terms, shall be governed by the laws of Singapore and via the exclusive jurisdiction of the Singapore Courts unless expressly agreed otherwise by MSIG Insurance.