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What is No Claim Discount (NCD)?
The No Claim Discount (NCD) is a reward scheme received by motor policy holders for not making a claim during the preceding 12 months.
How much of No Claim Discount (NCD) am I entitled to?
Consumers are eligible for NCD ranging from 0% to 55% of the premium payable depending on the type of vehicle, coverage and number of years claim not intimated. For a private car, the scale of NCD ranges from 0% to 55% as provided in the policy/certificate whereas for motorcycles and commercial vehicles, it ranges from 0% to 25%.
Find out the current insurer for your vehicle, type of coverage, policy period and policy number by entering your details
JMB Insurance Malaysia, Malaysia Strata Title and Building Insurance, Malaysia Condo Insurance, Malaysia Apartment Insurance, Building Insurance, Commercial Building Insurance
ACPG provide most comprehensive insurance package for apartments and condominiums. It covers common risks beyond the standard coverage against fire, lightning, impact and water damage.
With the insurance package you are able to extend the cover for the management office equipment and machinery to protect against accidental damage and theft, as well as protection against robbery and burglary for cash in your premises.
Imagine a visitor accidentally falls whilst at your premises. This kind of incident could lead to millions in defense and negligence claims. Public Liability Insurance option eases that worry. The coverage helps pay your legal liability against third party property damage and bodily injuries. It will also pay all costs and litigation expenses incurred.
Management Corporation/ Joint Management Bodies :
According to the BCPMM Act which came into effect on 12 April 2007, all stratified properties previously maintained and managed by Developers upon the issuance of certificates of fitness by the local authorities , pending the issuance of strata titles , will have to be handed over to the Joint Management Bodies (JMB ) .
The JMB'S will have to hand over the maintenance and management of the said properties to the respective Management Corporations upon the issuance of Strata Titles . One of the requirement under Strata Title Act/ BCPMM Act is that the Management Body is required to insure and maintain adequate insurance.
Liability Insurance for MC/ JMC
The Insurer will pay for defense cost and settlement due to breach of duty by reason of any Negligent Act/ Errors and Omissions/ Wrongful Act during the Policy Period committed or allegedly committed by the Insured
Wrongful Act means any actual or alleged non-compliance of statutory duties under Building and Common Property ( Maintenance and Management ) Act 2007 (Act 663) and Part VI and VII of Strata Titles Act 1985 (Act 318) or any amendments thereto
* BCPMM - Building and Common Property Maintenance and ManagementThe Building and Common Property (Maintenance and Management) Act 2007(" The Act") coming into force on 12 April 2007 in the Peninsular Malaysia.
The powers and duties of the JMB are enumerated by Section 8 of the Act which stated
(a) for the purposes of effecting any insurance under paragraph (1)(c), to have an insurable interest in the building equal to its replacement value or any value as determined by the Body; and
(b) for the purposes of effecting any insurance under paragraph (1)(d), to have an insurable interest in the subject matter of the insurance.
1. Fire & All perils Insurance (Min perils Subsidence & Landslip, RSMD & BOW)
Building - For all the units that is individually own including all the common property.
In this case when the purchaser have a Loan with the Bank, the purchaser need not buy an additional insurance and can use the individual "Certificate of Insurance" issued from the Master policy.
Reinstatement Value (valuation report by an accredited quantity surveyor at least once in 5 years)
Removal of Debris
Architect & surveyor Fee
2. Public Liability Insurance
Legal liability to pay compensation for accidental bodily injury or accidental damage to the property to the Vistors for using the common property of the Building.
Under Section 4 Establishment of a Joint Management Body
(2) The Body established by subsection (1) shall be a body corporate having perpetual succession and a common seal.
(3) The Body may sue and be sued in its name.
(4) The Body shall comprise the developer and the purchasers.
Interpretation:
As the JMB is a body corporate the volunteered committee members can now be sued by the purchasers for Breach of Duty. An E&O or a PL policy to protected the personal liability of the individual committee.
3. Error & Ommission or Professional Liability Insurance
The Insurer will pay on behalf of any Insured all Damages resulting from any Claim for any Breach of Duty of the Insured.
Strata Title Risks Solution:
Products Offered:
Fire Insurance
All Risk Insurance
Plate Glass Insurance
Public Liability Insurance
Property Terrorism
Error & Ommission or Professional Indemnity for Joint Management Body (JMB) or Management Corporation (MC)
ACPG understands the importance of protecting your property. Whether you are a condominium, cooperative or homeowner association, our team knows the challenges in securing and maintaining a comprehensive, cost-effective insurance program.
We develop customized risk management solutions for portfolios of all sizes and complexities. Our experts work extensively with:
Owners
Property managers
Developers
Facility managers/ Building Management Company
We provide a full range of integrated property and casualty insurance and risk management services including reviewing insurance provisions in association documents and interpreting new legislation, as well as ensuring that your program meets all new regulations. We also offer personal insurance and life and disability coverage for residents.
The ACPG Difference
Loss prevention and claims advocacy
Customized and proactive response to service your needs
Strategic underwriting partnership with insurer and re-insurance facilities
Independent agency with access to specialty resources
Customized programs for general liability, excess liability and special property coverages
Customized Insurance Program
ACPG delivers a comprehensive, customized insurance and risk management program designed to protect your assets, achieve operational efficiencies and attain your goals, because we have specialists in the following areas:
Program design
Risk transfer
Loss control
Claims management
Information Technology
While financing, ownership structures and management methods in the industry may change, the fundamental risk management issues remain the same. We understand the issues that focus on reducing the administrative burden and net cost of risk management efforts, among them:
Evidence of insurance issuance
Split billing for tenants or locations
We tailor programs to fit your evolving needs.
Products and Services
Risk Consulting
To offer consulting services specifically designed for common interest properties.
Online Technology
Clients have access to our online Certificate of Insurance request center.
Excess Liability
Our specialized excess liability program offers broad coverage and high limits.
Directors & Officers Liability
We develop directors and officers programs customized for common interest communities.
Specialty Property Coverages
Our property programs are designed to meet association and statutory requirements.
Integrated Solution
We design an integrated program of sophisticated products and services to provide you with a complete management liability solution.
The Building & Common Property (Maintenance & Management) Act 2007 (Act 663) was enacted by the Malaysian government recently for the proper maintenance and management of buildings and the common property, after delivery of vacant possession of the premises to the purchasers but before the Management Corporation is formed. This new law came into force on April 12, 2007. It applies to Peninsular Malaysia and the Federal Territory of Labuan.
The JMB must be formed after 12 months delivery of vacant possession.
One of the most important duties of JMB is Insurance.
The powers and duties of the JMB are enumerated by Section 8 of the Act which stated
1. to insure and keep insured the building to the replacement value of the building against fire and such other risks as may be determined by the Body;
2. to apply insurance moneys received by the Body in respect of damage to the building for the rebuilding and reinstatement of that building;
3. The Body shall be deemed—
(a) for the purposes of effecting any insurance under paragraph (1)(c), to have an insurable interest in the building equal to its replacement value or any value as determined by the Body; and
(b) for the purposes of effecting any insurance under paragraph (1)(d), to have an insurable interest in the subject matter of the insurance.
Interpretation:
The Joint Management Body (JMB) must insured the following insurance:
1. Fire & All perils Insurance (Min perils Subsidence & Landslip, RSMD & BOW)
Building – For all the units that is individually own including all the common property.
In this case when the purchaser have a Loan with the Bank, the purchaser need not buy an additional insurance and can use the individual "Certificate of Insurance” issued from the Master policy.
It should include the following clauses:-
Reinstatement Value (valuation report by an accredited quantity surveyor at least once in 5 years)
Removal of Debris
Architect & surveyor Fee
Others (To be advice)
2. Public Liability Insurance
Legal liability to pay compensation for accidental bodily injury or accidental damage to the property to the Visitors for using the common property of the Building.
Under Section 4 Establishment of a Joint Management Body (JMB) / Management Corporation (MC)
(2) The Body established by subsection (1) shall be a body corporate having perpetual succession and a common seal.
(3) The Body may sue and be sued in its name.
(4) The Body shall comprise the developer and the purchasers.
Interpretation:
As the JMB is a body corporate the volunteered committee members can now be sued by the purchasers for Breach of Duty. An E&O or a PL policy to protected the personal liability of the individual committee.
3. Error & Omission or Professional Liability Insurance
The Insurer will pay on behalf of any Insured all Damages resulting from any Claim for any Breach of Duty of the Insured.
The policy should be placed immediately after the formation of the JMB.
Writing and Servicing insurance policies for condominiums, apartments and flats requites impeccable skills and knowhow. Insurer with over 100 years history and ACPG had more than 22 years of field experience, we have designed a comprehensive product that would meet your association’s unique needs.
ACPG offer Strata Title Risks Solution: ACPG Beyond Standard (ABS) Package
1. Fire Insurance
2. All Risk Insurance
3. Crime Insurance ( Burglary & Money)
4. Fidelity Guarantee
5. Plate Glass Insurance
6. Machinery Breakdown Insurance
7. Public Liability Insurance
8. Professional Indemnity / Management Liability / Error & Omission (E&O) for Joint Management Body ( JMB) or Management Corporation (MC).
Your Trusted Malaysia Insurance Services Provider
The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are potential causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability coverage sometimes also provides for the defence costs, including when legal action turns out to be groundless.
Coverage does not include criminal prosecution, nor a wide range of potential liabilities under civil law that are not enumerate in the policy, but which may be subject to other forms of insurance.
Professional liability insurance is required by law in some areas for certain kinds of professional practice (especially medical and legal), and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service.
Furthermore, certain provisions in the Companies Act prohibit the Company from indemnifying the Directors unless they are innocent.
Hence, they are susceptible to suits in their personal capacity for various types of possible allegations of wrongful acts. Possible litigants are Shareholders, Creditors, Competitors, Fellow Directors, Public Interest Groups, Employees, Clients and Regulators. The D&O policy is meant to protect directors and officers personal assets in the event of such a claim.
Scope of Cover
The D&O policy usually has two Insuring contracts. The first contract is known as "The Directors & Officers Contract" which provides indemnity to the Director or Officer.
The second contract is known as the Corporate Reimbursement Contract. This cover will trigger when a Director or Officer who has incurred a loss seeks reimbursement from the Company. The Company then can call for the policy to reimburse the amount that it has compensated the Director or Officer.
In addition to these two contracts, D&O policies can also be extended to cover the entity. The two most commonly Entity Extensions found in D&O policies are Entity Employment Practices Liability extension and Entity Securities Claims extension. However, both these extensions are usually offered as sub-limits to the D&O policy.
Why the need for D&O Liability Insurance?
There are many duties that are associated to being a director or officer of the company. The common law requires directors to carry out their duties with care and skill. Directors and officers are considered fiduciaries of companies and thus are responsible for managing the affairs of their organizations. Furthermore, there
are also statutory duties imposed upon the directors. A breach of any of these duties may result in them facing lawsuit brought by the company, its shareholders or in those doing business with the company or worse criminal prosecution including imprisonment and fines.
Under the Company Act, Section 140 (1) prohibits indemnification of a director or officer by a company in respect of negligence, default, breach of duty or breach of trust of which he may be guilty in relation to the company.
As such, the best protection is to insure against these potential liabilities.
What is covered?
D&O policy provides financial protection to the individual directors and officers of a company for wrongful acts. It protects these individuals from personal liability in the event of a claim or lawsuit against them claiming wrongdoing in connection with the company’s business. It also provides for the cost of defence, investigating, monitoring of any claim or proceedings and appeals incurred with the written consent of the insurer.
Who sues Directors or Officers?
Shareholders
Employees
Creditors
Regulators, Authorities
Competitors
What to do in the event of a claim?
The insured shall give notice in writing to the insurance company immediately of any claim made against the Insured or the discovery by the Insured of any loss, or any circumstances of which the Insured becomes aware which are likely to give rise to such a claim or loss.
The insured shall not admit liability for or settle any claim or incur any costs or expenses in connection therewith without consent of the insurer.
Professional Indemnity Insurance
Anyone providing professional services has a duty to ensure that both their clients and third parties do not suffer any financial losses as a result of the services provided.
In the event that a service provider causes a loss, he or she is liable in law to compensate the person/s who have suffered a loss.
Normally the victim would have to establish negligence on the part of the service provider in order to succeed in a claim.
Professional Indemnity Insurance is a solution for service providers to transfer the risk of being sued for a mistake that they might make.
Traditionally professionals like Architects, Engineers, Accountants, Doctors, Lawyers, Surveyors and Valuers often purchase Professional Indemnity policies.
Professional Indemnity policies like most other liability policies is written on a ‘Claims-Made Basis’.
Scope of Cover
Unlike other general liability policies, Professional Indemnity policy normally provides indemnity to the Insured against financial losses only arising from the provision of professional services. Indemnity for defence costs and expenses is also provided.
However, in certain circumstances the policy will cover losses arising from Bodily Injury and Property Damage. For instance the Engineers' Professional Indemnity Policy will only respond to claims arising from Bodily Injury or Property Damage as a result of negligence on the Engineers part in discharging their Professional Services.
The Public Liability Insurance Policy is designed to protect the insured in respect of his legal liability to pay compensation for accidental bodily injury or accidental damage to the property of the other person caused by or through the negligence of the insured or his employees or by any defect in the premises owned or any defects in the ways, works of the insured. In addition, the Policy also pays for the litigation costs and expenses for defense that are incurred with the written consent of the Company.
Scope of Cover
The company shall indemnify the Insured against all sum which the Insured shall become liable at law for damages and claimant's costs and expenses in respect of :
- accidental bodily injury to any person not being a member of the Insured's household or any person in the service of the Insured.
- accidental damage to property not belonging to or in the custody or control of the Insured.
- any legal expenses incurred by the Insured in defending legal proceedings with the Company's written consent.
Mobile Equipment
This class of insurance is specially designed to cover mobile vehicles or equipment which are not licensed for general road use. Some examples include forklifts, wheel loaders, agricultural tractors, excavators, bulldozers, crawlers etc.
Scope of Cover
The policy covers loss or damage to the property insured by :
Accidental collision or overturning or collision or overturning consequent upon mechanical breakdown or consequent upon wear and tear
Fire external explosion self-ignition or lightning
Theft
Malicious Act
Basis of Sum Insured
Equipment All Risks policy is an indemnity policy. The measure of an insured's loss is the cost of restoring the damaged property to or replacing it with property similar in condition to the time of loss:
Plant & Machinery : The cost of replacement with a new item less deduction for depreciation due to wear and tear.
Immobile Equipment
The coverage provided is very wide and embraces accidents or misfortunes not expressively excluded. This policy is used to cover immobile industrial or commercial equipment.
Scope of Cover
The policy covers loss or damage to the property insured arising from:
Fire and Lightning
Theft consequent upon violent or threat of violence to persons or forcible and violent entry into or exit from the Premise
External Accidental Damage
Basis of Sum Insured
Equipment All Risks policy is an indemnity policy. The measure of an insured's loss is the cost of restoring the damaged property to or replacing it with property similar in condition to the time of loss:
Plant & Machinery : The cost of replacement with a new item less deduction for depreciation due to wear and tear.
The policy is designed for buildings with glass doors, windows, glass panels and showcases.
Scope of Cover
Indemnifies the Insured for accidental breakage of glass in the premises as specified in the policy to the extent of the market value of the glass broken. However, this shall not exceed the sum insured in respect of any one piece of glass and the aggregated total sum insured stated in the policy.
The word 'breakage' shall not include any disfiguration or damage other than fracture extending through the entire thickness of the glass.
Extensions available
Strike and Riot at additional 5% loading
Frames or Frameworks.
By ACPG Management Sdn Bhd (ACPG)
All Risks Insurance
This policy is on "All Risks” basis and cover your static machines or equipment, mobile equipment i.e. laptop within the Territorial Limit.
The policy covers:
• Loss of or damage to your property or any part thereof due to fire,
theft or any other accident or misfortune.
• Loss of or damage caused by perils unless such perils are specifically
excluded by this policy.
Machinery and Equipment Insurance
This policy is designed to cover immobile industrial or commercial equipment.
The policy covers:
• Fire and lightning
• Theft
• External accidental damage
Mobile Plant and Equipment Insurance
This policy is basically designed for Mobile Equipment that is not licensed for road use. Mobile equipment means self-propelled vehicles such as forklifts, excavators, mobile cranes, tractors etc.
This policy is also suitable for static heavy equipment designed to operate in the open or even within a premises.
This policy covers loss or damage to equipment, its standard accessories and parts whilst thereon by:
Accidental collision or overturning or collision or overturning consequent upon mechanical derangement
Fire, external explosion, self ignition or lightning
Burglary, housebreaking or theft
The policy is intended to protect any business establishment against loss of money as a result of burglary or robbery.
Definition
Money - Cash, Bank Notes, Currency Notes, Uncrossed cheques other than pre-signed blank cheques, Traveller's Cheques, Uncrossed Giro Cheques, Postal Orders and Money Orders, unused postage and revenue stamps.
Premises - Shall mean the premises specified in the schedule.
Scope of Cover
Money In Transit
Monies in the personal custody of the Insured's authorised employees whilst in direct transit between the premises and bank or post office including money drawn as wages and salaries from the time of receipt until paid out.
Money In Premises
Money in the Insured's premises during and outside normal business hours. However, money in premises outside normal business hours must be secured in locked drawers or locked safes.
Money in Insured's premises contained in locked safes or strongrooms.
Money in locked drawers or cabinets or cash registers.
Damage to Safes or Strongroom
Cost of repair or replacement to the damaged locked safe or strongroom resulting from theft of money or any attempt thereat.
Additional Cover
Subject to payment of an additional premium, the policy can be extended to cover the following :-
Personal accident benefit to unnamed carriers at RM20 per person for a cover of RM10,000 for death and permanent disablement only.
What You Need to Know
Public Liability Insurance protects an individual and their business in case they are found legally accountable to a third party. In general, it is a medium that guarantees set ...
Normally, such policies pay for any legal expenses, penalties resulting from claims and even medical expenses if needed. It only covers third party claims and not claims made by employees, as these come under employees liability insurance.
Should Your Business Have Public Liability Insurance?
Public liability insurance is an umbrella under which a large variety of risks and situations are covered, and any business that deals with the general public takes it out to protect themselves against lawsuits. In today’s litigious society, people are quick to file lawsuits when suffering any loss, damage to their property, or injury due to the negligence of a business. With a greater number of cases going to court, liability insurance has become broader in what it encompasses. The need for businesses to hold public liability insurance has increased over the last few years.
The insurance is essentially voluntary, with the exception of some public events and facilities where the licensing authority makes it mandatory. Additionally, organizations that operate voluntarily with the support of the local council are also required to carry public liability insurance.
Most businesses and organizations are becoming increasingly aware of the potential to be sued and so consider public liability insurance an essential requirement. While it is now included in most business insurance packages like home, shop, restaurant and other insurance packages, it is also sold separately.
Who Needs Public Liability Insurance?
Professionals and business owners are generally the ones at the most risk of being sued, as they deal with a large client base on a regular basis. However, some professionals get greater benefit from taking out a public liability insurance policy than others. Any business, large or small, that interacts with customers at their place of business is at risk of being sued and so should make use of this protection. Also, note that the greater the number of people visiting the venue, the higher the risk.
Considering that just a single claim has the potential to bankrupt a business or a professional, it is best to be protected.
Amount of Coverage & Other Facts
It is common for business owners to take public liability insurance for the amount of RM 1 million, but RM 5 million packages are becoming increasingly popular. With more people willing to take businesses to court for the smallest mistakes, public liability insurance is no longer considered optional. In fact, some sites do not even allow tradesmen or sub-contractors on location unless they carry a Public Liability Insurance Certificate of Currency.
Within Malaysia, public liability insurance is fully portable, meaning it covers an individual from site to site, as long as one continues to work in the same trade. In case of a change of trade, it becomes necessary to inform the insurer or the policy may become void.
Additionally, every tradesman should have their own policy as the head contractor’s policy many not be sufficient. At times, the head contractor’s insurer will make the pay-out on a claim, but then sue the sub-contractor to recover its money. Needless to say, different occupations and situations have different risks, and the insurer must take those into consideration when writing a policy or note them accordingly to ensure that full coverage is provided to the policy holder.
Cost and Coverage of Public Liability Insurance
Public Liability insurance premiums are determined based on a number of different factors, including
The nature of the business or contract velue or sum insured cover amount.
The number of employees and contractors a business has.
At times, they even depend on the business turnover.
The larger the physical premises of a business and the more employees there are, the higher the premiums are likely to be. The insurance rates depending on the insuring company.
Summary
Public liability focuses on civil wrong. The wronged person sues the owner on the basis of incidents of neglect. If the occupier or owner of an establishment is found to be responsible for the harm, damage or injury, the claimant wins and is awarded compensation.
Public liability insurance is without a doubt the most justifiable cost for a business, as in its daily course of public interactions it is under a continuous threat of being sued. A single law suit has the potential to financially ruin a business; public liability insurance offers protection.
Employer's Liability Insurance Policy is designed to provide indemnity to the Insured against his liability at law and claimants' cost for bodily injuries or diseases to Insured's Employees arising out of and in the course of their employment.
Scope of Cover
The Employer's Liability Insurance Policy indemnifies the Insured against liability at law to pay compensation and claimant's costs and expenses in respect of the bodily injury by accident or disease to the Insured's Employees for which he is liable and will in addition to pay all costs and expenses with the Company's written consent.
This policy provides cover for individuals who seek a wider protection than that of a Householders policy. It usually covers items that are small in size but high in value, e.g.: jewellery, gold and silver articles, watches and the like.
Scope of Cover
Indemnifies the Insured against loss of or damage by accidents or misfortune to personal effects within the territorial limits defined in the policy.
This Burglary policy provides insurance protection against incidents of theft to your property.
This policy covers loss or damage to the property insured whilst contained in the specified business or trade premises arising from:
Theft consequent upon actual, forcible and violent entry into the premises
Theft or any attempt thereat by a person felonious concealed on the said premises
Resulting of armed robbery
Resulting in damage to the property insured and premises due to such Theft or any attempt thereat
Premises mentioned shall not include any yard, garden, outbuilding, or other appurtenances unless specifically included in the schedule.
You can either insure your property on Full Value or First Loss basis:
1. FULL VALUE BASIS
This basis is adopted when there exists a possibility of your entire property insured being stolen at any one time. You must ensure adequacy of the sum insured since the insurance will be subject to the Average Clause and you will not be fully indemnified at the time of loss if the property is under insured. The correct sum insured should be what you consider to be the highest value at risk at any one time.
2. FIRST LOSS BASIS
This basis is adopted when it is not possible for your entire property insured to be stolen at the same time. The sum insured shall be based on your assessment.
However, there are exceptions: -
The Policy does not cover: -
(a)...
(b) Defaults of an employee occurring after previous acts of dishonesty by the same employee have been discovered or suspected,
(c) Losses occurring after there has been a change in the system of Supervision and check exercised over the employees and their accounts which has not received the Company's prior approval,
(d) Cash or stock shortages not caused by fraud or dishonesty or trading losses, which cannot be accounted for.
Basis of insurance
Named Employees identified by name can be guaranteed for a specified amount each or a single sum Employees covering two or more employees.
Unnamed Employees may be identified in groups according to their category of employment.
Employees You may include all of your employees with a single overall limit of guarantee (referred to in the proposal as the 'blanket' basis) or you can guarantee employees in specified categories only with a separate amount of guarantee applying to each category (the 'positions' basis.
ALL of the employees in a defined category are to be covered and the employer is required to provide an estimate of the MAXIMUM number of employees in each category that he expects to be working at any one time during the period of insurance.
At renewal the employer must provider details of the actual MAXIMUM number of employees in each category during the previous period of insurance.
Premiums Premiums vary according to the nature of the business, the nature of the employee's duties and the amount of the guarantee. A quotation will be given on receipt of a completed form.
References The Policy is issued usually on the basis that the employer takes up references before engaging new staff. In certain circumstances the Company may perform this service for a fee.
Unfortunately, many of us like Anthony are unaware whether we have bought adequate cover for our home investment or property and whether we have taken up the appropriate insurance covers that best meet our needs and requirements.
To help us in our decisions, it would be best to understand the different types of property insurance covers that are available to us and under what circumstances can we be underinsured.
Types of property insurance
In Malaysia, there are three types of property insurance covers available for house owners to select from:
- Fire insurance
- Houseowners' Insurance
- Householders' Insurance or content insurance
Fire insurance is designed to provide protection against material damage to properties such as buildings, contents such as household equipment, fixtures and fittings. The policy covers the loss or damage caused by fire and lightning or damage caused by explosion of domestic boilers or gas used for domestic purposes. However, the policy may be extended to cover other perils such as:-
1. Riot and strike
2. Malicious damage
3. Aircraft damage and articles
dropped therefrom
4. Impact damage (excluding own vehicle)
5. Bursting
and/or over flowing of water tanks, apparatus and pipes
6. Earthquakes,
volcanic eruption, hurricane, typhoon, cyclone, windstorm
7. Flood
The Houseowner's Insurance cover is a comprehensive insurance policy specially designed for owners of residential properties. It covers the building against loss or damage caused by all the perils covered by the fire policy except riot , strike and malicious damage.
In addition, the policy also covers:
1. Theft accompanied by forcible entry
2. Loss of rent if building is
damaged and rendered uninhabitable
3. The insured's liability to the public
in respect of bodily injury and damage
This policy may also be extended to cover:
1. Riot and strike
2. Malicious damage
The Householders' Insurance cover is almost identical to Houseowners' Insurance, but the protection is meant for the contents and not for the building. This policy would also be appropriate to renters as the landlord's policy only covers the building and not the possessions of the renters.
While it is true that one of the basic principles of insurance is indemnity ie. one should not profit from an insurance claim, insurers have introduced the Reinstatement/Replacement Value Clause to meet the needs of consumers to conveniently replace or reinstate loss or damaged properties covered under a fire, houseowner or householder policy.
The clause provides payment of claim due to an insured peril without
deduction for depreciation for age or wear and tear. In other words, the full
cost of repairs or replacement will be met subject, of course, to the condition
that the sum insured of
the properties is adequate to cover the total cost of
repairing or reinstating the building or insured properties at the time of the
loss.
If the properties are underinsured, the insured will be compensated only in the proportion of the sum insured to the actual value applied to the full repair or replacement cost. In insurance terminology, the insurer is applying the principle of 'average' when this takes place.
Ways you can be underinsured
You have underinsured on your property insurance if you have:
- Based your fire or homeowners insurance on the current market value instead of on the cost to replace it. For example, if the selling price of your home is lower than it was when you first bought it and you have based your insurance on the current price, you may be underinsured.
- Not taken a periodic inventory of all your possessions.
When renewing your householders' insurance, it is advisable to take an inventory of all your possessions. This list will adequately reflect how much coverage is needed to replace all the contents in your home.
- You may also be underinsured, if you did not take up additional coverage for valuable items such as artwork, jewellery, antiques or collectibles. For this instance, an 'All Risks' insurance policy can be effected to cover the valuables on an indemnification or more usually on an 'agreed value' basis against any loss or damage. The 'All Risks' cover has a list of specified exclusions.
Most insurers will demand a valuation before agreeing to insure any items of high value.
- Current insurance policy that does not reflect recent improvements or additions to the home and increases in inflation.
- You could be underinsured if you have not taken into account and reported any recent improvements to your home, such as an additional room or remodeled kitchen, to your insurer.
If you have a claim, the more information you have about the damaged items -- a description of each item, the date of purchase and purchase price -- the faster the claims can be settled.
Please send your questions on Malaysia general insurance policy coverage to:
Home Safety Tips: How to make your home a safer place
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Install good quality deadbolt locks on all exterior doors and any doors from attached garages.
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Door areas should be well lighted, and doors should have a wide-angle viewer so that you can see who is outside without opening the door.
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All exterior doors should be metal or solid wood, and have strong door hinges on the inside of the door with hidden or non-removable pins.
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During days and evenings when the weather is nice, don't leave your windows open while you are gone.
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Lock your windows and doors. Utilize window coverings such as curtains or mini-blinds to decrease visibility into your home.
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Use automatic timers all of the time, not just when you are away.
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Consider using motion detectors to illuminate when activity is occuring near your home.
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Plant thorny bushes around windows to make it more difficult for someone to enter through them.
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Shrubbery can be an asset or hindrance to criminals. Be sure to prune large trees so their limbs don't provide roof access or second-story window access. Keep shrubs trimmed below window sills and low around entrances. You don't want to provide concealment for a burglar.
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When at home or away always keep your garage door shut.
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Install automatic openers that will allow you to stay in your car until safely parked in the garage.
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Burglars often try to find out if anyone is home by phoning. If you get several suspicious "wrong number" calls or "nobody-at-the-other-end" calls, alert the police. Warn family members, especially children, not to give out information by phone.
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Do not keep large sums of cash around your home.
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Make sure emergency vehicles can find your home in an emergency. Minutes lost hunting for the correct address can be costly. Have your house numbers clearly mounted on a high contrast background and make sure the numbers can be easily read from the street at night.
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Engrave your belongings with your driver's license number whenever practical.
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Consider installing a monitored home security system. Some insurance companies may qualify you for up to a 20% discount on your homeowner's insurance if you install a home security system.
Personal Safety at Home
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If you detect an intruder, don't confront them.
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If a stranger wants to use your phone, don't let them inside. If they say they have an emergency such as their car breaking down, take down the details with your security door closed and make the call for them.
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Never tell a stranger you are home alone.
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All representatives of legitimate companies have ID cards. If you're even a little bit unsure about a person at your front door, write down their ID or badge number and make sure you lock the door before calling their company for verification.
Take a Stand Against Crime: Join a Neighborhood Watch
Neighborhood Watch is one of the most effective and least costly ways to prevent crime and reduce fear. It forges bonds among area residents, helps reduce burglaries and robberies, and improves relations between police and the communities they serve.
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Any community resident can join - young and old, single and married, renter and home owner.
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A few concerned residents, a community organization, or a law enforcement agency can spearhead the effort to organize a Watch.
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Members learn how to make their homes more secure, watch out for each other and the neighborhood, and report activities that raise their suspicions to the police.
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You can form a Watch group around any geographical unit: a block, apartment, park, business area, public housing complex, or office.
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Watch groups are not vigilantes. They are extra eyes and ears for reporting crime and helping neighbors. Neighborhood Watch helps build pride and serves as a spring-board for efforts that address community concerns such as recreation for youth, child care, and affordable housing.
How to get started:
When a group decides to form a Neighborhood Watch:
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Contact your Police District station. A Community Services Officer will help in training members in home security, reporting skills, and for information on local crime patterns.
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Select a coordinator and block captains who are responsible for organizing meetings and relaying information to members.
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Recruit members, keeping up-to-date on new residents and making special efforts to involve the elderly, working parents, and young people.
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Work with local government or law enforcement to put up Neighborhood Watch signs, usually after at least 50% of all households are enrolled.
Senior Citizens Protecting Themselves Against Crime
Everyone must face the realities of aging. Situations vary as do the ways people deal with growing older. Regardless of the circumstances, however, most older people say they worry about crime. Many fear becoming victims of crime. As a group, older people can be a powerful and active force. As individuals, they often can be vulnerable and may need help.
Older people can be vulnerable to:
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Frauds and scams - some of the elderly can fall victim to fraudulent schemes and can be favorite targets for con artists. Telemarketing fraud is a particular problem. Often, the amount of money lost can be devastating.
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Elder abuse - mistreatment occurs both in domestic and institutional settings. Abuse does not have to be physical. Passive neglect may leave seniors in unclean, poorly heated housing, existing on inadequate diets.
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Violent crimes - many older people are afraid they are easy targets. Aware of their diminished strength and mobility, they realize that chances of outrunning or fighting off an attacker would be slim.
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Property crimes - burglaries, theft and vandalism can be especially distressing to older individuals whose security and well-being are tenuous. The ability to replace stolen or damaged property may be limited and their lives may be permanently affected.
It happens on streets, in cars, in schools, in parks, in alleys. The rapist has no regard for age, race or social status. Rape is not a selective crime. It is in most cases, random.
Personal safety, however, must begin with the individual. Help protect yourself by taking the steps to protect yourself from sexual assaults.
Be aware of the possibility of being raped....it could happen to YOU.
Safety at Home
Replace or re-key locks when you move into a new home or apartment. Install a door viewer and a 1 inch deadbolt lock and use them. Look before opening your door to anyone.
Keep doors locked at all times and instruct children never open your door to anyone.
Require all strangers to show identification. If you haven't called for a repairman, don't let one inside. Leave him waiting outside and call his place of business to verify his reason for being in your area.
Rape is the fastest rising violent crime in America. What can we do to prevent this crime from happening to you? Listed below are safety tips for you to follow that can reduce your risk of assault and/or rape.
Secure you car and home. Keep a large flashlight, a cell phone, a map of the city you are in, and five to ten dollars with you when in a car. The flashlight can be used as a light or weapon; the phone is to call for help; and the five dollars is for car emergencies only (eg., new windshield wipers or gas). Always keep your doors and windows locked and evaluate the effectiveness of the locks. Never open your door to a stranger and never tell them you are alone.
Avoid unsafe situations and strangers. If you are being followed, go to the nearest police or fire department, or any place where several people will be (convenience stores, gas station, etc.) Walk in groups at night.
Flee if you are in a potentially dangerous situation. Yell or scream to attract attention. Carry a whistle that will make a loud noise.
Engage in passive or active resistance. Passive resistance is to think and talk your way out of a situation. Active resistance is to react immediately to startle your attacker. Use any available item (HAIRSPRAY, KEYS, PURSE) as a weapon.
Think! Keep using your mind to think of alternative actions for escape.
You are responsible for your own safety. Call your local police department or rape crisis center and set up a schedule for a Law Enforcement Officer to speak to your employees or neighbors.
Don't let a stranger inside your home to use the phone; make the call for him.
Never admit that you or a neighbor are home alone.
Women living alone should use only initials on mailboxes and in telephone listings.
Leave outside lights on at night, and keep lights on in more than one room.
If you receive an obscene phone call-hang up-don't react.
Safety Tips While Walking
- When possible, avoid walking alone. Walk with someone, or walk in areas where other people are near.
- Stay in well-lighted areas, away from alleys, bushes and entry ways.
- Avoid shortcuts through parks, vacant lots and other deserted places.
- Don't hitchhike or accept rides form strangers.
- If a driver stops to ask you directions, avoid getting near the car.
- If you are being followed, go to the nearest business or residence for help.
- If you are harassed by the occupants of a car, simply turn and walk the other direction. The driver will have to turn around to follow you.
- Hold your purse close, not dangling, and avoid carrying extra money or valuables on your person.
- When you return home, have your door key ready so that you can enter without delay.
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Don't walk or jog at night wearing headphones. You need to be able to hear someone driving up or walking up behind you.
BE AWARE OF YOUR SURROUNDINGS AND THE TOTAL ENVIRONMENT.
Safety Tips While Driving
- Never pick up hitchhikers.
- Keep car doors locked at all times. While walking to your car, look under car.
- Before entering your car, look into the back seat and on floor board.
- Always have your keys ready to unlock the car door and enter without delay. Never walk across the parking lot digging in your purse for your keys; have them in your hand before leaving the building.
- Make certain that you have enough gas to get where you are going and always keep your vehicle in good running condition.
- If possible, travel on well lighted, busy streets and avoid isolated back roads and short cuts.
- If your are being followed, drive to the nearest open business for help, or drive to the Police or Fire Station.
- Never leave your house keys with your car keys at a service station or parking lot.
- Women driving alone should never stop to aid a stranger in a stalled vehicle. Proceed to an open business, and report the stalled vehicle to the police.
- If you have trouble, raise the hood, and stay in your vehicle. When someone offers assistance, roll the window down just enough to talk to them. Ask them to stop at the first phone to call a relative, friend, garage or the police for you. Never get into a stranger's car.
Safety Tips For Youth
- Children should be made aware of the dangers of accepting rides from or talking to strangers.
- Children should be encouraged to talk with their parents if they ever have a problem, not only with a stranger but also with a friend or relative.
- Children should know a safe, well-traveled route to take to and from school. Isolated areas should be avoided.
- Teenage baby-sitters should not accept jobs with people they do not know, or who have not been referred by people they know.
- Babysitters should call the police immediately if anything suspicious happens at the house. They should never open the door for strangers.
- The sitter's parents should be called at the end of the evening to inform them that the sitter will be home shortly.
- You may follow the advise and safety tips recommended and still find yourself confronted by an attacker. If it happens, you will have only seconds to decide your method of defense, so you must prepare mentally for the possibility of rape happening to you.
Reporting A Rape
The police can only arrest a criminal if they are made aware of the offense. If you are raped, call Police Department IMMEDIATELY.
Information Most Needed By Police:
- Car license plate, AND themake or model and color of the car
- Race of assailant
- Approximate age, weight and height
- Hair color and length of hair
- Color of eyes
- Clothing
- Any unusual marks, scars, tattoos, rings, etc.
- Any facial hair or odors
Robbery Defined
The formal definition of robbery is the taking or attempt to take anything of value from the care, custody, or control of a person or persons by force or threat of force or violence and/or by putting the victim in fear. The short definition of robbery is theft from a person by use of force or fear. The necessary elements of the crime are specific intent, theft from a person, by use of force or fear. The level of force or fear does not have to be great to meet the statutory requirement.
Robbery Facts
Robberies can occur almost anywhere at anytime, but tend to occur more often in anticipated settings and at expected times. All that is necessary is a motivated robber and an unwilling victim at the wrong place at the wrong time. Robberies can occur in private or public spaces. Robbers and their victims can be friends, relatives, or total strangers. Most robberies involve one robber and one victim and the crime from start to finish lasts less than a minute. Most commercial robbery victims are not injured during the transaction as long as long as they don’t resist. Crime prevention methods differ depending on the setting.
Robbery Locations
Most people think of robberies as those committed against banks (2.3%) or at late-night retail establishments like gas stations, or convenience stores (10%) where a gun is used to force the cashier to hand over the money. However, most robberies occur on the street (43%), directly against a person. When a gun or other weapon is involved, it is an armed robbery. When someone uses physical force against you to take a wallet or purse, it is called a strong-arm robbery. When someone uses force or fear against you to steal your car, it’s called carjacking. When someone robs you in your home (14%) it’s called home invasion robbery. A shoplifter can commit the crime of robbery if they fight with store personnel who try to stop them.
The weapon of choice for robbers is the firearm (42%) with knives or cutting instruments second (9%). Strong-arm tactics like punching, pushing, kicking, or threats are used mainly on the street (40%). This is due to the opportunistic nature of most street robberies and to some extent because of felony sentence enhancements for those using a weapon during the commission of a robbery. Robbers like to use surprise and an extreme show of force to get victims to comply with their demands. Unfortunately, victims don’t always act appropriately when surprised and frightened and sometimes do things to startle the robber. Robbers are scared too and have been known to injure their victims when this happens.
Robbery Times
The crime of robbery is mainly a nighttime crime, increasing after 8:00 PM and subsiding after 3:00 AM in most areas. Robberies often increase during the winter months because of extended periods of darkness, however, robberies can and do happen at anytime of day Dozens of robbery studies have indicated that robbers like isolation, prefer lone victims, good escape routes, and few witnesses in addition to an easy cash score.
If you are a victim of robbery
Take no action which would jeopardize your personal safety! The cash in your wallet or credit cards in your purse are not worth getting hurt over. If the robber tells you he is armed, believe him. If the robber displays a gun, consider it to be real and loaded.
Cooperate fully with the robber. Give the robber exactly what he asks for, no more or no less. If you have to open drawers or make any moves, explain these moves to him. Example: "I am opening this drawer now because this is where the large bills are kept", or, "I'm just reaching for my wallet." Do all actions slowly; sudden moves may panic the robber.
Observe The Robber. Look the robber in the eye and repeat his looks to yourself as you see them. Start at the top and work down remembering as many characteristics as you can. Try to remember the height of the robber and what type of build the robber had.
Try to determine the age of the robber if you can.
Most importantly, try to remember as much as you can about what the suspect was wearing. Shirt and pant color, hats, shoe type and color are very important things that police will need.
Remember which direction the robber fled after the robbery. If the robber gets into a vehicle, try to remember the make, color, style, and model of the car. Get as much information as you can including the license plate number. Do not rely solely though on the license plate number as most robbers will use cars with stolen license plates or stolen vehicles.
What To Do After The Robbery
Notify the police as soon as possible. The first call you make, as soon as it is safe to do so, should be to the police via 911. Tell the dispatcher that a robbery has just occurred and stay on the line until the operator releases you. Remain calm and answer all the questions as completely as possible.
Protect the Crime Scene. If the robbery occurred at a business, lock all doors and stop all business transactions. Calmly tell customers that a robbery has occurred and ask them to stay to speak to the police. If they wish to leave, get identification from them to give to the police. Do not let anyone near the area the robber occupied. Fingerprints and evidence can be destroyed by curious employees and customers.
In instances of certain crimes, such as a burglary to a home, police officers will "canvass” the neighborhood around the location of the crime to look for any potential evidence or witnesses. In many, many canvasses, officers will find a neighbor or a witness that heard or saw something suspicious or unusual, but didn’t take the time to call police, or waited until the next morning to report the incident. In one instance, a resident saw an unknown man crawling into the window of his neighbor’s home but waited until after he ran an errand to report it to police.
Trust your instincts! If you see or hear something out of the ordinary and it crosses your mind, even for an instant, to call the police, then call immediately! Don’t be embarrassed or ashamed to make that call. Police officers will check on the matter and ascertain what is occurring. If your suspicious prove to be unfounded, that’s a good thing! Police would rather check out an occurrence that turns out to be nothing, than launch an investigation into a crime such as a burglary. That one immediate call to police could stop a criminal act, prevent someone from getting hurt, or even save a life!
Here is a guide to help you determine what is suspicious and what kind of things you should be reporting to the police.
Going door to door in a residential area – This is especially suspicious if you see a person walk to the side or the rear of the home after not getting a response from the front door.
Unknown person waiting in front of a home or a closed business – Is this person waiting for a bus or is he/she a lookout? Is this person casing a home to burglarize it?
Forcing entry to a home – This should be a no-brainer. Call police immediately if you see someone you don’t know crawling into a window or breaking into a home.
Persons exhibiting unusual behavior – This type of person may be injured, under the influence of drugs or alcohol, or may be in need of psychiatric help.
Carrying unusual property – If you see someone carrying something unusual down the street or sidewalk, call police immediately. Examples are; a person pushing a lawnmower down the sidewalk, someone carrying an armload of clothes, TVs. an adult walking a child’s bicycle.
Heavy human traffic to and from a certain residence – This isn’t necessarily suspicious unless it occurs on a daily or very regular basis, especially during late or unusual hours.
Certain moving vehicles – Especially if slow moving or driving without lights at night or, if the route followed appears aimless or repetitive. This is suspicious anywhere but particularly around schools, parks, and playgrounds.
Certain parked, occupied vehicles – Especially if seen at a late or unusual hour of the day.
Abandoned vehicles – In many cases, these vehicles end up being stolen and abandoned.
Unusual property in vehicles – If you come across a vehicle and it contains valuable property such as electronics, money, auto parts, or other property that is not usually just left unattended, notify police.
Business transaction involving vehicles – If you see, on a regular basis, a vehicle park in front of a business or residence and another person going up to that vehicle and making some type of exchange with the driver or other occupants, report it.
OTHER UNUSUAL SITUATIONS
Property in homes, private garages, storage areas – Suspicious if accumulations are large or otherwise unusual (such as several TV sets in a garage) and if the items are in good condition but not being used.
Open or broken doors or windows
Unusual noises – Loud bangs or slams, screaming, arguing or fighting, breaking glass, unusual barking dogs, or anything else suggestive of foul play, danger, or illegal activity.
Remember – Some of these occurrences may have a simple explanation or may turn out to be nothing. Don’t take the chance. Call police and make sure it gets checked out.
Basic Crime Prevention Tips
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Home & Business Burglary Prevention Tips
The burglary basics:
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Don't tempt a thief:
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Locks...get the best:
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Targeting the outside:
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Windows:
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Alarms:
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If Your Home Or Business Is Broken Into:
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Other Precautions You Should Take:
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Home Security Survey:
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is a year-round priority. Parents and guardians need to look out for kids and keep communication lines open 365 days a year!
1. Teach your children to stay with you at all times while shopping. They should always check first with you or the person in charge before they go anywhere. Always supervise your children in a public facility and accompany young children to the restroom.
2. Make a plan in case you become separated. Have older kids meet you in a predesignatedspot (e.g. the sales counter or mall information booth). Teach younger children to look for people who can help within the store or mall — a uniformed security officer, a salesperson with a nametag, a mother with children, etc. They should never leave the store/mall or go to the parking lot to look for you or your car.
3. Turn shopping trips into opportunities for your children to practice these "safe shopping” skills.
4. Leave clothing that displays your children’s names at home, as it can prompt unwelcome attention from people who may be looking for an opportunity to start a conversation with your children.
5. Never leave children in toy stores or public facilities (e.g. video arcades, movie theaters, and playgrounds) and expect store personnel to supervise your children.
6. Have older children take a friend, if you allow them to go shopping or to public functions without you. It’s more fun and much safer. Older children should check in with you on a regular basis while they are out. Agree on a clear plan for picking them up including: where, what time, and what to do in case of a change in plans.
Make other arrangements for childcare, if you feel that you will be distracted during holidayshopping.
• Shop with a companion as much as possible, especially during the evening hours.
• Stay alert to your surroundings when walking to and from your vehicle.
• Have your keys in your hand when walking to your vehicle.
• Park in well-lit parking lots. Also, avoid parking next to large plants or shrubbery that can be used to conceal criminals.
• Keep valuables out of sight, in both vehicles and homes.
• Only take the credit card, or number of checks you plan on using…travel light!
• Don’t advertise your purchases, dispose of boxes or containers carefully.
For example: Cut television boxes up when disposing at the edge of the driveway.
Identity Theft
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How thieves can get your identity |
What they can do with your identity |
Accountant General's Department - Jabatan Akauntan Negara Malaysia
http://www.anm.gov.my/
Aras Eksekutif, Tingkat 8, Blok 2G1A, Precint 2, Kompleks Kewangan, 62594 Putrajaya
Tel: 03 8882 1002, Fax: 03 8889 5821
Armed Forces - Angkatan Tentera Malaysia
http://maf.mod.gov.my/homepage/atm/menuatm.html
Tel: 03 2692 1333
Atomic Energy Licensing Board - Lembaga Perlesenan Tenaga Atom
http://www.aelb.gov.my/
Bahagian Hal Ehwal Undang-Undang - Legal Affairs Department
http://www.bheuu.gov.my/
Jabatan Perdana Menteri
Aras 3, Blok B7, Parcel B, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1011, Fax: 03-8888 3731
Bahagian Pengurusan Hartanah - Property & Land Management Division, Prime Minister's Department
http://www.bph.jpm.my/
Jabatan Perdana Menteri
Aras 7, Blok B3, Komplek Jabatan Perdana Menteri, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1957, Fax: 03 8888 3031
Biro Bantuan Guaman - Legal Aid Bureau
http://www.bheuu.gov.my/
Jabatan Perdana Menteri
Aras 1, Blok B7, Parcel B, Pusat Pentadbiran, Kerajaan Persekutuan, 62502 Putrajaya
Tel:03 8888 1117, Fax: 03 8888 3791
Biro Tatanegara - Jabatan Perdana Menteri
http://www.aelb.gov.my/
Tel: 03 8888 1957
Commission of Companies - Suruhanjaya Syarikat Malaysia
Registrar of Companies & Businesses - Pendaftar Syarikat & Perniagaan
http://www.ssm.gov.my/
Tingkat 2, 10-18, Putra Place, 100 Jalan Putra, 50622 Kuala Lumpur
Tel: 03 4047 6000 (General Line), Fax: Tel: 03 4047 6317
Department of Agriculture - Jabatan Pertanian Malaysia
http://agrolink.moa.my/doa/
Tel: 03 2698 2011
Department of Chemistry - Jabatan Kimia Malaysia
http://www.kimia.gov.my/
Tel: 03 7985 3000
Department of Civil Aviation - Jabatan Penerbangan Awam Malaysia
http://www.dca.gov.my/
Tel: 03 8886 6000
Department of Environment - Jabatan Alam Sekitar Malaysia
http://www.jas.sains.my/
Tel: 03 8885 8200
Department of Irrigation & Drainage Malaysia DID - Jabatan Pengairan & Saliran Malaysia JPS
http://www.water.gov.my/
Jalan Sultan Salahuddin, 50626 Kuala Lumpur
Tel: 03 2617 5708, Fax: 03 2691 1082
Department of Irrigation & Drainage Sarawak
http://www.did.sarawak.gov.my/
9th & 10th Floors, Wisma Saberkas, Jalan Tun Abang Haji Openg PO Box 1230, 93626 Kuching, Sarawak
Tel: 082 24 3241, Fax: 03 82 42 6400
Department of Museums and Antiquities Malaysia - Jabatan Muzium dan Antikuiti Malaysia
http://www.jma.gov.my/
Jalan Damansara, 50566 Kuala Lumpur.
Tel: 03 2282 6255, Fax: 03 2282 7294
Department of National Unity - Jabatan Perpaduan Negara
http://www.kempadu.gov.my/jpn/
Tel: 03 2693 4400
Department of Occupational Safety and Health DOSH - Jabatan Keselamatan dan Kesihatan Pekerjaan JKKP
http://dosh.mohr.gov.my/
Level 2, 3 & 4, Block D3, Parcel D, Federal Government Administrative Centre, 62502 Putrajaya
Tel: 03 8886 5000, Fax: 03 8889 2351
Department of Orang Asli Affairs - Jabatan Hah Ehwal Orang Asli Malaysia JEOA
http://www.kempadu.gov.my/jheoa/
Tel: 03 2161 0577
Department of Public Health - Jabatan Kesihatan Awam
http://dph.gov.my/
Tel: 03 2694 6601
Department of Sewerage Services - Jabatan Perkhidmatan Pembetungan
http://www.kpkt.gov.my/jpp/
Tel: 03 2096 2605
Department of Standards - DSM
http://www.dsm.gov.my/
Tel: 03 8885 8000
Department of Statistics - Jabatan Perangkaan Malaysia
http://www.statistics.gov.my/
Tel: 03 8885 7000
Department of Survey & Mapping - Jabatan Ukur dan Pemetaan Malaysia JUPEM
http://www.jupem.gov.my/
Tel: 03 2693 3618
Department of Town & Country Planning - Jabatan Perancangan Bandar & Desa
http://www.townplan.gov.my/
Tel: 03 2698 9211
Department of Veterinary Services - Jabatan Perkhidmatan Haiwan
http://agrolink.moa.my/jph/
Tel: 03 2094 0077
Department of Veterinary Services, Perak
http://www.jphpk.gov.my/
Jalan Sultan Azlan Shah Utara, 31400 Ipoh, Perak
Tel: 05 545 9111, Fax: 05 548 2712
Department of Wildlife & National Parks - Jabatan Perhilitan
http://www.wildlife.gov.my/
Tel: 03 9075 2872
Economic Planning Unit, Prime Minister 's Department. EPU
http://www.epu.jpm.my/
Tel: 03 8888 3333
Electricity & Gas Supply Department - Jabatan Bekalan Elektrik & Gas Malaysia
http://www.jbeg.gov.my/
Tel: 03 4047 5400
Examinations Syndicate - Lembaga Peperiksaan Malaysia
http://www2.moe.gov.my/%7Elp/
Tel: 03 2094 1144
Fire & Rescue Department - Jabatan Bomba dan Penyelamat Malaysia.
http://www.bomba.gov.my/
Tel: 03 8888 0036
Fisheries Development Authority of Malaysia (FDAM) - Lembaga Kemajuan Ikan Malaysia (LKIM)
http://agrolink.moa.my/lkim/
Tel: 03 2617 7000
Forestry Department Peninsular Malaysia - Perhutanan Semenanjung Malaysia
http://www.forestry.gov.my/
Tel: 03 2698 8244
Forestry Department Sarawak
http://www.forestry.sarawak.gov.my/
Wisma Sumber Alam, Jalan Stadium, Petra Jaya, 93660 Kuching, Sarawak
Tel: 082 31 9102, Fax: 082 44 1377
Immigration Department of Malaysia - Jabatan Imigresen Malaysia
http://www.imi.gov.my/
Tel: 03 2095 5077
Inland Revenue Board Malaysia IRB - Lembaga Hasil Dalam Negeri LHDN
http://www.hasilnet.org.my/
Tel: 03 6201 7055, 03 6201 0066
Industrial Court - Mahkamah Perusahaan
http://www.jaring.my/ksm/mp/
Tel: 03 2691 2011, 03 2691 2121, 03 2691 2414
Information Department of Malaysia - Jabatan Penerangan Malaysia
http://www.penerangan.gov.my/
Tel: 03 2698 3355
Jabatan Agama Islam Selangor JAIS - Islamic Department of Selangor
http://jais.selangor.gov.my/bm/
Jabatan Agama Islam Wilayah Persekutuan JAWI - Federal Territory Islamic Affairs Department
http://www.jawi.gov.my/
Kompleks Pusat Islam, Jalan Perdana, 50519 Kuala Lumpur
Tel: 03 2274 9333 (KL), 03 8889 2971 (Putrajaya), 087 41 5311 (Labuan)
Jabatan Hal-Ehwal Agama Islam Perlis JAIPs - Islamic Affairs Department of Perlis
http://www.perlis.gov.my/jaip/
Tel: 04 976 1442, Fax: 04 976 1334
Jabatan Insolvensi Malaysia - Department of Insolvency
http://www.bheuu.gov.my/
Jabatan Perdana Menteri
Aras 3, Blok B7, Parcel B, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1012, Fax: 8888 3717
Jabatan Kehakiman Syariah Malaysia JKSM
http://www.jksm.gov.my/
Aras 2 & 3, Blok D7, Parcel D, Pusat Pentadbiran Kerajaan Persekutuan, 62677 Putrajaya
Tel: 03 8886 4800, Fax: 03 8889 1627
Jabatan Kemajuan Islam Malaysia JAKIM - Department Of Islamic Development Malaysia
http://www.islam.gov.my/
Tel: 03 8886 4282
Jabatan Kerja Raya JKR - Public Works Department PWD
http://www.jkr.gov.my/
Tel: 03-2691 9011
Jabatan Mufti Negeri Selangor
http://www.muftiselangor.gov.my/
Tingkat 7 & 8, Menara Utara, Bangunan Sultan Idris Shah, 40000 Shah Alam, Selangor
Tel: 03 5514 3738, Fax: 03 5519 7584
Jabatan Penerangan Malaysia - Information Department of Malaysia
http://www.penerangan.gov.my/
Jabatan Pengangkutan Jalan Malaysia JPJ - Road Transport Department RTD
http://www.jpj.gov.my/
Hotline Tel: 03 8886 6400
Jabatan Pengangkutan Jalan Negeri Sabah - JPJ Sabah
http://www.jpjsabah.gov.my/
Jalan Bundusan, Penampang, Beg Berkunci 2013, 88620 Kota Kinabalu, Sabah
Tel: 088 71 7777, Fax: 088 72 3366
Jabatan Pengangkutan Jalan Wilayah Persekutuan Kuala Lumpur - JPJ KL
http://www.jpjwilayah.gov.my/
Lot 14264 Jalan Genting Kelang, Setapak, 53300 Kuala Lumpur
Tel: 03 4024 1200, Fax: 03 4023 6599
Jabatan Perkhidmatan Awam JPA - Public Service Department PSD
http://www.jpa.gov.my/
Blok C1 & C2, Parcel C, Pusat Pentadbiran Kerajaan Persekutuan, 62510 Putrajaya
Tel: 03 8885 3000
Jabatan Perhutanan Negeri Kedah - Kedah Forestry Department
http://www.kedforestry.gov.my/
Tingkat 8, Bangunan Sultan Abdul Halim, 05000 Alor Setar, Kedah
Tel: 04 733 3844, Fax: 04 731 0610
Jabatan Perhutanan Semenanjung Malaysia JPSM - Forestry Department of Peninsular Malaysia
http://www.forestry.gov.my/
Jalan Sultan Salahuddin, 50660 Kuala Lumpur
Tel: 03 2616 4488, Fax: 03 2692 5657
Jabatan Perpaduan & Integrasi Nasional - Department of National Unity & Integration
http://www.jpnin.gov.my/
Jabatan Perdana Menteri
Aras 7-10, Blok E2, Parcel E, Pusat Pentadbiran Persekutuan Putrajaya, 62502 Putrajaya
Tel: 03 8883 7000
Kastam Diraja Malaysia - Royal Customs Malaysia
(formerly Jabatan Kastam Dan Eksais Diraja Malaysia - Royal Customs & Excise Department)
http://www.customs.gov.my/
Blok 11, Kompleks Pejabat-pejabat Kerajaan, Jalan Duta, 50596 Kuala Lumpur
Tel: 03 6201 6088, Fax: 03 6201 5125, E-mail: '; document.write( '' ); document.write( addy_text28998 ); document.write( '<\/a>' ); //-->\n
Ketua Setiausaha Negara Malaysia - Chief Secretary to the Government of Malaysia
http://www.pmo.gov.my/website/ksnwebdb.nsf
Jabatan Perdana Menteri
Blok Timur, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1480, Tel: 03 8888 3382
Labour Department - Jabatan Buruh Semenanjung Malaysia
http://www.jaring.my/ksm/jbsm/
Tel: 03 8886 5000
Landscape Department - Jabatan Landskap Negara
http://www.kpkt.gov.my/jln/
Tel: 03 4045 2416
Malaysian Meteorological Service - Perkhidmatan Kajicuaca Malaysia
http://www.kjc.gov.my/
Tel: 03 7967 8000, Info Cuaca Tel: 600 82 7752
Weather Forecast - Ramalan Cuaca: http://www.kjc.gov.my/english/weather/forecast/public.html
Malaysian Army - Tentera Darat Malaysia. TDM
http://army.mod.gov.my/
Tel: 03 2692 1333
Manpower Department - Jabatan Tenaga Rakyat
http://www.jtr.gov.my/
Tel: 03 2095 7222
Marine Department of Malaysia - Jabatan Laut Malaysia
http://www.marine.gov.my/
Tel: 03 3167 7677
Minerals and Geoscience Department Malaysia - JMG
http://www.jmg.gov.my/
19th-22nd Floor, Bangunan Tabung Haji, Jln Tun Razak, 50658 Kuala Lumpur
Tel: 03 2161 1033, Fax: 03 2161 1036
National Audit Department - Jabatan Audit Negara Malaysia
http://www.audit.gov.my/
Tel: 03 2694 6422
National Registration Department NRD - Jabatan Pendaftaran Negara JPN
http://www.jpn.gov.my/
Tel: 03 7968 3200 (PJ), KL Tel: 03 2692 5044 (KL)
National Security Division NSD - Bahagian Keselamatan Negara BKN
http://www.bkn.gov.my/
Tel: 03 8888 2085
Pejabat Ketua Pegawai Keselamatan Kerajaan Malaysia - Office of The Government Chief Security Officer
http://www.cgso.jpm.my/
Jabatan Perdana Menteri
Aras 1 & 2, Blok B7, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Wilayah Persekutuan Putrajaya
Tel: 03 8888 1957, Fax: 03 8888 3258
Pejabat Setiausaha Persekutuan Sabah - Office of Federal Secretary, Sabah
http://www.psupsabah.gov.my/
Jabatan Perdana Perdana Menteri Malaysia
Tingkat 7, Rumah Persekutuan, Beg Berkunci No. 2063, Jalan Mat Salleh, 88592 Kota Kinabalu, Sabah
Tel: 088 24 4303, Fax: 088 21 8950
Pejabat Setiausaha Persekutuan Sarawak - Office of Federal Secretary, Sarawak
http://www1.sarawak.com.my/org/psps/
Jabatan Perdana Perdana Menteri Malaysia
Tingkat 17, Bangunan Sultan Iskandar, Jalan Simpang Tiga, 93300 Kuching, Sarawak
Tel: 082 24 4077, Fax: 082 24 3332
Prisons Department - Jabatan Penjara Malaysia
http://www.prison.gov.my/
Tel: 03 8736 8505
Public Complaints Bureau - Biro Pengaduan Awam
http://www.bpa.jpm.my/
Tel: 03 8888 7777
Public Services Commission PSC - Suruhanjaya Perkhidmatan Awam Malaysia
http://www.spa.gov.my/
Tel: 03 8885 6000
Registrar of Society ROS - Jabatan Pendaftaran Pertubuhan Malaysia JPPM
http://www.jppmros.gov.my/
Tel: 03 4041 1577
Royal Malaysian Air Force - Tentera Udara DiRaja Malaysia. TUDM
http://maf.mod.gov.my/
Tel: 03 2692 1333 (Mindef)
Royal Malaysian Navy - Tentera Laut DiRaja Malaysia. TLDM
http://maf.mod.gov.my/english/navy/homepage/index.html
Tel: 03 2692 1333 (Mindef)
Royal Malaysian Police - Polis Diraja Malaysia PDRM
http://www.rmp.gov.my/
Tel: 03 2262 6310 (Bukit Aman)
Social Welfare Department - Jabatan Kebajikan Masyarakat Malaysia
http://www.kempadu.gov.my/jkm/default.htm
Tel: 03 2692 5011
Unit Penyelarasan Pelaksanaan - Implementation & Coordination Unit - ICU
http://www.icu.gov.my/
Bangunan Perdana Putra, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya, Wilayah Persekutuan
Tel: 03 8888 1957, Fax: 03 8888 3528
Urban Transportion Department, Kuala Lumpur City Hall - Jabatan Pengangkutan Bandar
http://www.jpbdbkl.gov.my/
Valuation & Property Services Department - Jabatan Penilaian Dan Perkhidmatan Harta JPPH
http://www.jpph.gov.my/
Tel: 03 8882 4600
Prime Minister's Office
Pejabat Perdana Menteri Malaysia
http://www.pmo.gov.my/
Prime Minister: Dato’ Seri Abdullah Ahmad Badawi
Federal Government Administration Center, Bangunan Perdana Putra, 62502 Putrajaya
Tel: 03 8888 8000, Fax: 03 8888 3444
Deputy Prime Minister's Office
Pejabat Timbalan Perdana Menteri Malaysia
http://www.pmo.gov.my/website/tpmwebdb.nsf
Deputy Prime Minister: Dato’ Sri Mohd Najib Bin Tun Haji Abdul Razak
Aras 4, Blok Barat, Bangunan Perdana Putra, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8888 1950, Fax: 03 8888 0035
Ministers in the Prime Minister's Department:
Minister: Tan Sri Bernard Giluk Dompok
Minister: Dato’ Seri Mohamad Nazri Bin Abdul Aziz
Minister: Senator Dato' Sri Mohd Effendi Bin Norwawi
Minister: Prof Datuk Dr Abdullah Bin Mohd Zin
Minister: Datuk Dr Maximus @ Johnity Ongkili
Deputy Ministers Ministers in the Prime Minister's Department:
Deputy Minister: Datuk Dr M Kayveas
Deputy Minister: Encik Joseph Entulu Anak Belaun
Deputy Minister: Senator Dato' Abdul Rahman Bin Suliman
Parliamentary Secretary of the Prime Minister's Office:
Dato' Dr Mashitah Binti Ibrahim
Ministry of Agriculture & Agro-Based Industry
Kementerian Pertanian & Industri Asas Tani
http://agrolink.moa.my/
Minister: Tan Sri Dato' Hj. Muhyiddin Bin Hj Mohd Yassin
Deputy: Dato' Seri Mohd Shariff Hj Omar
Deputy: Datuk Mah Siew Keong
Wisma Tani, Jalan Sultan Salahuddin, 50624 Kuala Lumpur
Tel: 03 2617 5000, Fax: 03 2691 3758
Ministry of Arts, Culture & Heritage
Kementerian Kesenian, Kebudayaan & Warisan - KeKKWa
http://heritage.gov.my/
Minister: Datuk Seri Utama Dr Rais Yatim
Deputy: Dato' Wong Kam Hoong
Tingkat 26, 27, 30, 34 & 35, Menara TH Perdana, Maju Junction, 1001 Jalan Sultan Ismail, 50694 Kuala Lumpur
Tel: 03 2612 7600, Fax: 03 2693 5114
Ministry of Defence
Kementerian Pertahanan
http://www.mod.gov.my/
Minister: Dato' Sri Mohd Najib Bin Tun Haji Abdul Razak
Deputy: Dato' Hj Zainal Abidin Bin Hj Zin
Jalan Padang Tembak, 50634 Kuala Lumpur
Tel: 03 2071 1333, Fax: 03 2691 7217
Ministry of Domestic Trade & Consumer Affairs
Kementerian Perdagangan Dalam Negeri & Hal Ehwal Pengguna
http://www.kpdnhep.gov.my/
Minister: Dato’ Shafie Bin Haji Apdal
Deputy: Dato’ S. Veerasingam
Deputy: Encik Hoo Seong Chang
Lot 2G3, Presint 2, Pusat Pentadbiran Kerajaan Persekutuan, 62623 Putrajaya
Tel: 03 8882 5500, 1 800 866 800 (Aduan Harga), 1 800 882 002 (Anti Piracy), Fax: 03 8882 5762
Ministry of Education
Kementerian Pendidikan
http://www.moe.gov.my/
Minister: Dato’ Hishammuddin Bin Tun Hussein
Deputy: Dato’ Hong Choon Kin
Deputy: Dato' Haji Noh Bin Omar
Aras 5, Blok E8, Parcel E, Pusat Pentadbiran Kerajaan Persekutuan, 62604 Putrajaya
Tel: 03 8884 6000
Ministry of Energy, Water & Communications
Kementerian Tenaga, Air & Komunikasi
http://www.ktkm.gov.my/
Minister: Dato’ Seri Dr. Lim Keng Yaik
Deputy: Dato’ Shaziman Bin Abu Mansor
Block E4/5, Kompleks Kerajaan Parcel E, Pusat Pentadbiran Kerajaan Persekutuan, 62668 Putrajaya
Tel: 03 8883 6000, Fax: 03 8889 3712
Ministry of Entrepreneur & Cooperative Development
Kementerian Pembangunan Usahawan & Koperasi
http://www.kpun.gov.my/
Minister: Dato’ Mohamed Khaled Bin Nordin
Deputy: Dato’ Khamsiyah Binti Yeop
2 (Lot 2G6), Pusat Pentadbiran Kerajaan Persekutuan, Putrajaya
Tel: 03 03 8880 5000, Fax: 03 8880 5106
Ministry of Federal Territories
Kementerian Wilayah Persekutuan
http://www.kwp.gov.my/
Minister: Dato' Haji Zulhasnan Bin Rafique
Deputy: Datuk Wira Abu Seman Bin Haji Yusop
Aras 1-4, Blok 2, Menara PjH, Presint 2, 62100 Putrajaya
Tel: 03 8889 7888, Fax: 03 8888 9140
Ministry of Finance
Kementerian Kewangan
http://www.treasury.gov.my/
Minister: Dato’ Seri Abdullah Bin Haji Ahmad Badawi
Minister: Senator Tan Sri Nor Mohamed Bin Yakcop
Deputy: Datuk Dr Ng Yen Yen
Deputy: Dr. Awang Adek Bin Hussin
Kompleks Kementerian Kewangan, Precinct 2, 62592 Putrajaya
Tel: 03 8882 3000, Fax: 03 8882 3892
Ministry of Foreign Affairs
Kementerian Luar Negeri
http://www.kln.gov.my/
Minister: Datuk Seri Syed Hamid Bin Syed Jaafar Albar
Deputy: Datuk Joseph Salang Gandum
Wisma Putra, 1 Jalan Wisma Putra, Precinct 2, 62602 Putrajaya
Tel: 03 8887 4000, 03 887 4570 (After Hours/Emergency), Fax: 03 8889 1717
Ministry of Health
Kementerian Kesihatan
http://www.moh.gov.my/
Minister: Datuk Dr Chua Soi Lek
Deputy: Datuk Dr Abdul Latiff Bin Ahmad
Blok E7, Parcel E, Pusat Pentadbiran Kerajaan Persekutuan, 62510 Wilayah Persekutuan
Tel: 03 8883 2539, Fax: 03 8889 5245
Ministry of Higher Education
Kementerian Pendidikan Tinggi
http://www.mohe.gov.my/
Minister: Datuk Mustapa bin Mohamed
Deputy: Datuk Ong Tee Keat
Blok E3, Parcel E, Pusat Pentadbiran Kerajaan Persekutuan, 62505 Putrajaya
Tel: 03 8883 5000, Fax: 03 8889 3921
Ministry of Home Affairs
Kementerian Dalam Negeri
http://www.moha.gov.my/
Minister: Datuk Seri Mohd. Radzi bin Sheikh Ahmad
Deputy: Dato Tan Chai Ho
Blok D1, Parcel D, Pusat Pentadbiran Kerajaan Persekutuan, 62546 Putrajaya
Tel: 03 8886 8000, Fax: 03 8889 1613
Ministry Housing & Local Government
Kementerian Perumahan & Kerajaan Tempatan
http://www.kpkt.gov.my/
Minister: Dato' Seri Ong Ka Ting
Deputy: Dato' Hjh Azizah Binti Datuk S.P. Hj Mohd Dun
Deputy: Datuk Robert Lau Hoi Chew
Paras 5, Blok K, Pusat Bandar Damansara, Peti Surat 12579, 50782 Kuala Lumpur
Tel: 03 2094 7033, Fax: 03 2094 7380
Ministry of Human Resources
Kementerian Sumber Manusia
http://www.mohr.gov.my/
Minister: Datuk Wira Dr Fong Chan Onn
Deputy: Datuk Abdul Rahman Bin Bakar
Level 6-9, Block D3, Parcel D, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8886 5000, Fax: 03 8889 2381
Ministry of Information
Kementerian Penerangan
http://www.kempen.gov.my/
Minister: Datuk Zainuddin Bin Maidin
Deputy: Datuk Ahmad Zahid bin Hamidi
Deputy: Encik Chia Kwang Chye
Angkasapuri, Bukit Putra, 50610 Kuala Lumpur
Tel: 03 2282 5333, Fax: 03 2282 1255
Ministry of Internal Security
Kementerian Keselamatan Dalam Negeri
http://www.mois.gov.my/
Minister: Dato’ Seri Abdullah Ahmad Badawi
Deputy: Dato' Mohd Johari Bin Baharum
Deputy: Dato' Fu Ah Kiow
Blok D1 & D2, Parcel D, Pusat Pentadbiran & Kerajaan Persekutuan, 62546 Putrajaya
Tel: 03 8886 8000, Fax: 03 8889 1613
Ministry of International Trade & Industry
Kementerian Perdagangan Antarabangsa & Industri
http://www.miti.gov.my/
Minister: Dato' Seri Rafidah binti Aziz
Deputy: Dato` Hj Ahmad Husni Mohamad Hanazlah
Deputy: Encik Ng Lip Yong
Block 10, Government Offices Complex, Jalan Duta, 50622 Kuala Lumpur
Tel: 03 6203 3022, Fax: 03 6203 2337
Ministry of Natural Resources & Environment
Kementerian Sumber Asli & Alam Sekitar
http://www.nre.gov.my/
Minister: Dato’ Seri Hj Azmi Khalid
Deputy: Sothinathan a/l Sinna Gaundar
Tingkat 13, Wisma Tanah, Jalan Semarak, 50574, Kuala Lumpur
Tel: 03 2692 1566, Fax: 03 2691 9426
Ministry of Plantation Industries & Commodities
Kementerian Perusahaan Perladangan & Komoditi
http://www.kppk.gov.my/
Minister: Dato’ Peter Chin Fah Kui
Deputy: Datuk Anifah Bin Hj Aman
Aras 6-13, Lot 2G4, Precint 2, Pusat Pentadbiran Kerajaan Persekutuan, 62654 Putrajaya
Tel: 03 8880 3300, Fax: 03 8880 3422
Ministry of Rural & Regional Development
Kementerian Kemajuan Luar Bandar & Wilayah
http://www.rurallink.gov.my/
Minister: Dato’ Abdul Aziz Bin Shamsudin
Deputy: Dato' Haji Zainal Abidin Bin Haji Osman
Deputy: Datuk Dr. Tekhee @ Tiki Anak Lafe
Blok D9, Parcel D, Kompleks Kerajaan Persekutuan, 62606 Putrajaya
Tel: 03 8886 3500, Fax: 03 8889 2104
Ministry of Science, Technology & Innovations
Kementerian Sains, Teknologi & Inovasi
http://www.mosti.gov.my/
Minister: Dato’ Dr Jamaluddin Bin Dato’ Mohd Jarjis
Deputy: Dato' Kong Cho Ha
1-7, Blok C5, Pusat Pentadbiran Kerajaan Persekutuan, 62662 Putrajaya
Tel: 03 8885 8000, Fax: 03 8888 6070
Ministry of Tourism
Kementerian Pelancongan
http://www.motour.gov.my/
Minister: Senator Datuk Tengku Adnan Tengku Mansor
Deputy: Dato' Donald Lim Siang Chai
Tingkat 6, 21, 32-36, Menara Dato' Onn, Pusat Dagangan Dunia Putra, 45 Jalan Tun Ismail, 50695 Kuala Lumpur
Tel: 03 2693 7111, Fax: 03 2694 1146
Ministry of Transport
Kementerian Pengangkutan
http://www.mot.gov.my/
Minister: Dato’ Sri Chan Kong Choy
Deputy: Tengku Dato’ Seri Azlan Ibni Sultan Abu Bakar
Deputy: Datuk Douglas Uggah Embas
Aras 5, 6 & 7, Blok D5, Parcel D, Pusat Pentadbiran Kerajaan Persekutuan, 62502 Putrajaya
Tel: 03 8886 6000, Fax: 03 8889 2537
Ministry of Women, Family & Community Development
Kementerian Pembangunan Wanita, Keluaga & Masyarakat
http://www.kpwkm.gov.my/
Minister: Datuk Shahrizat Binti Abdul Jalil
Deputy: Dato' G Palanivel a/l K Govindasamy
Aras 1-6, Blok E, Kompleks Pejabat Kerajaan Bukit Perdana, Jalan Dato' Onn, 50515 Kuala Lumpur
Tel: 03 2693 0095, Fax: 03 2693 4982
Ministry of Works
Kementerian Kerja Raya
http://www.kkr.gov.my/
Minister: Dato' Seri S Samy Vellu
Deputy: Dato` Ir Mohd Zain Mohamad
Tingkat 4, Blok B, Kompleks Kerja Raya, Jalan Sultan Salahuddin, 50580 Kuala Lumpur
Tel: 03 03-2711 1100, Fax: 03 2711 6564
Ministry of Youth & Sports
Kementerian Belia & Sukan
http://www.kbs.gov.my/ or http://www.menteribeliasukan.net/
Minister: Dato' Azalina Binti Dato' Othman Said
Deputy: Dato' Liow Tiong Lai
Lot 4 G4, Presint 4, Pusat Pentadbiran Kerajaan Persekutuan, 62570 Putrajaya
Tel: 03 8871 3333, Fax: 03 8888 8767
Academy Of Sciences - Akademi Sains Malaysia
http://www.akademisains.gov.my/
Tel: 03 2694 9898
Anti Corruption Agency ACA - Badan Pencegah Rasuah BPR
http://www.bpr.gov.my/
Tel: 03 6201 1982
Biotechcorp - Malaysian Biotechnology Corporation - Implementing agency for furthering biotechnology objectives
http://www.biotechcorp.com.my/
Level 23, Menara Naluri, 161 Jalan Ampang, 50450 Kuala Lumpur
Tel: 03 2116 5588, Fax: 03 2116 5411
Board of Architects Malaysia - Lembaga Arkitek Malaysia
http://www.lam.gov.my/
Tingkat 17, Block F, Ibu Pejabat JKR, Jalan Sultan Salahuddin, 50582 Kuala Lumpur
Tel: 03 2698 2878, Fax: 03 2693 6881
Communications and Multimedia Consumer Forum of Malaysia, The
http://www.cfm.org.my/
CMC - Malaysian Communications and Multimedia Commission
http://www.cmc.gov.my/
Tel: 03 4047 7000
DARA - Lembaga Kemajuan Pahang Tenggara
http://www.kplb.gov.my/dara/
Wisma Sultan Ahmad Shah, 26700 Muadzam Shah, Pahang
Tel: 09 452 2300, Fax: 09 452 2110
Dasar Sosial Negara DSN - National Social Policy
http://www.dsn.gov.my/
Bahagian Pengembangan & Pembangunan PINTAS,
Tingkat 20, Wisma Bumi Raya, Jalan Raja Laut, 50562 Kuala Lumpur
Tel: 03 2692 5022, Fax: 03 2693 7353
Dewan Bahasa & Pustaka - DBP
http://www.dbp.gov.my/
Tel: 03 2148 1011
Elections Commission - Suruhanjaya Pilihan Raya Malaysia
http://www.spr.gov.my/
Tel: 03 8885 6500
EPF - Kumpulan Wang Simpanan Pekerja KWSP. Employees Provident Fund
http://www.kwsp.gov.my/
Tel: 03 2694 6566, 03 2694 7566, 03 2694 8566
Energy Commission - Suruhanjaya Tenaga
http://www.eest.net.my/ or http://www.st.gov.my/
13th Floor, Menara TH Perdana, 1001 Jalan Sultan Ismail, 50250 Kuala Lumpur
Tel: 03 2612 5400, Fax: 03 2693 7791
Examinations Council - Majlis Peperiksaan Malaysia
http://www.mpm.edu.my/
Tel: 03 6136 9663
FAMA - Lembaga Pemasaran Pertanian Persekutuan Malaysia (with pasar tani schedule)
http://www.famaxchange.org/
Bangunan FAMA Point, Lot 17304 Jalan Persiaran 1, Bandar Baru Selayang, 68100 Batu Caves, Selangor
Tel: 03 6138 9622, Fax: 03 6136 5610
FELCRA Berhad - Lembaga Penyatuan dan Pemulihan Tanah Persekutuan
http://www.felcra.com.my/
Tel: 03 4143 3646
FELDA - Federal Land Development Authority or Lembaga Kemajuan Tanah Persekutuan
http://www.felda.net.my/
Tel: 03 2693 5066
Filem Negara
http://www.filemnegara.gov.my/
Tel: 03 7968 2137
FINAS - Perbadanan Kemajuan Filem Nasiona. National Film Development Corporation
http://www.finas.gov.my/
Tel: 03 4108 5722
FRIM - Forest Research Institute of Malaysia
http://frim.gov.my
Tel: 03 6279 7000
Gerbang Mesra Selangor
http://gerbang.selangor.gov.my/
Halal JAKIM - Pensijilan Halal JAKIM, aduan Halal & semakan status Halal, certification, logo, food
http://www.halaljakim.gov.my/
Highway Authority - LLM Lembaga Lebuhraya Malaysia
http://llmnet.gov.my/
Tel: 03 8737 3000
IKIM - Institut Kefahaman Islam Malaysia. Institute of Islamic Understanding Malaysia
http://www.ikim.gov.my/
Tel: 03 6204 6200
Institut Jantung Negara IJN - National Heart Institute NHI
http://www.ijn.com.my/
145, Jalan Tun Razak, 50400 Kuala Lumpur
Tel: 03 2617 8200
Institut Latihan Kehakiman & Perundangan - Judicial & Legal Training Institute
http://www.ilkap.gov.my/
Lot 5, Jalan Universiti, Seksyen 15, 43650 Bandar Baru Bangi, Selangor
Tel: 03 8925 9088, Fax: 03 8924 3413
Institut Penilaian Negara - INSPEN - National Institute Of Valuation
http://www.inspen.gov.my/
5 Persiaran Institute Bangi, 43000 Kajang, Selangor
Tel: 03 8925 9377, Fax: 03 8925 8100
Institut Sosial Malaysia - ISM - Social Institute of Malaysia
http://www.ism.gov.my/
Institute for Development Studies (Sabah) - IDS
http://www.ids.org.my/
Suite 7CFO1, 7th Floor, Block C, Kompleks Karamunsing 88300 Kota Kinabalu
Tel: 088 246166, Fax: 088 234707
Institute of Diplomacy and Foreign Relations, The (IDFR)
http://www.idhl.gov.my/
INTAN - Institut Tadbiran Awam Negara or National Institute of Public Administration
http://www.intanbk.intan.my/
Tel: 03 2095 2400
KEDA Lembaga Kemajuan Wilayah Kedah - Kedah Regional Development Authority
http://202.187.18.49/
Bangunan UMNO, Jalan Tunku Ibrahim, Peti Surat 195, 05720 Alor Setar, Kedah
Tel: 04 733 1966, Fax: 04 731 3966
Kedai.Kom - Perak, Kedah
Program Pembangunan Komunikasi Rakyat (PPKR) untuk menyalurkan akses perkhidmatan komunikasi terutamanya perkhidmatan internet jalur lebar ke kawasan luar bandar
http://www.kedaikom.net.my/
KEJORA - Lembaga Kemajuan Johor Tenggara
http://www.kejora.gov.my/
Jalan Dato' Hj Hassan Yunos, Bandar Penawar, 81900 Kota Tinggi, Johor
Tel: 07 822 1601, Fax: 07 822 1600
KETENGAH - Lembaga Kemajuan Terengganu Tengah
http://www.ketengah.gov.my/
Karung Berkunci No. 3, 23409 Al Muktafi Billah Shah, Terengganu
Tel: 09 822 3100, Fax: 09 822 3104
Land Custody & Development Authority - LCDA
http://www.pelita.gov.my/
Level 5, 8 & 12, Wisma Satok, Jalan Satok, 93400 Kuching, Sarawak
Tel: 082 23 5944, Fax: 082 23 6001
Lembaga Getah Malaysia LGM - Malaysian Rubber Board
http://www.lgm.gov.my/
Bangunan Getah Asli (Menara), Tingkat 17 & 18, Bangunan Getah Asli, 148 Jalan Ampang, 50450 Kuala Lumpur
Tel: 03 9206 2000, Fax: 03 2163 4492
Lembaga Penduduk dan Pembangunan Keluarga Negara LPPKN - National Population & Family Development Board
http://www.lppkn.gov.my/
12B, LPPKN Building, Jalan Raja Laut, 50350 Kuala Lumpur
Tel: 03 2693 7555, Fax: 03 2692 1357
Lembaga Pengarah Pembangunan Sumber Manusia Berhad PSMB - Human Resources Development Fund
Pendaftaran Skim Latihan Graduan - Graduate Training Scheme Registration
http://www.hrdnet.com.my/
Tingkat 7, Wisma Chase Perdana, Off Jalan Semantan, Bukit Damansara, 50490 Kuala Lumpur
Tel: 03 2098 4800, Fax: 03 2093 5722
Lembaga Tabung Angkatan Tentera - LTAT
http://www.ltat.org.my/
Tingkat 9-12, Bangunan LTAT, Jalan Bukit Bintang, 50748 Kuala Lumpur
Tel: 03 2148 9777, Fax: 03 2148 0939
Lembaga Tabung Haji - Pilgrims Fund Board
http://www.tabunghaji.gov.my/
Tel: 03 2161 2233, 03 2161 4255
Malaysia Design Council
http://www.malaysiadesigncouncil.gov.my/
SIRIM Berhad Complex, Block 25, 1 Persiaran Dato' Menteri, Section 2, 40911 Shah Alam, Selangor
Tel: 03 5544 5621, Fax: 03 5544 5620
Malaysia Design Innovation Centre - MDIC
http://www.mdic.com.my/
Inovasi: 2-3, Jalan Teknokrat 1/1, 63000 Cyberjaya, Selangor
Tel: 03 8317 8888, Fax: 03 8317 8988
Malaysian Centre for Remote Sensing - MACRES
http://www.macres.gov.my/
13 Jalan Tun Ismail, 50480 Kuala Lumpur, Malaysia
Tel: 03 26973400, Fax: 03 2697 3350
Malaysian Cocoa Board (Industry) - Lembaga Koko Malaysia (Industri)
http://www.koko.gov.my/
Tel: 088 25 2572
Malaysian Communications and Multimedia Commission - MCMC
Suruhanjaya Komunikasi & Multimedia Malaysia
http://www.mcmc.gov.my/
Level 11, Menara Dato' Onn, Putra World Trade Centre, 45 Jalan Tun Ismail, 50480 Kuala Lumpur
Tel: 1 800 888 030, 03 4047 7000, Fax: 03 2694 0943
Malaysian Industry-Government Group for High Technology - MIGHT
http://www.might.org.my/
Office of the Science Advisor to Prime Minister
Level 6, Block A2, Menara PjH, Presinct 2, 62100 Putrajaya
Tel: 03 83157888, Fax: 03 8888 8232
Malaysian Pineapple Industry Board
http://www.mpib.gov.my/
Malaysian Timber Certification Council, The
http://www.mtcc.com.my/
19 F, Level 19, Menara PGRM, 8 Jalan Pudu Ulu, Cheras, 56100 Kuala Lumpur
Tel: 03 9200 5008, Fax: 03 9200 6008
Malaysian Timber Council - MTC
http://www.mtc.com.my
Tel: 03 9281 1999
Malaysian Timber Industry Board - MTIB
http://www.mtib.gov.my/
Level 13-17, Menara PGRM, 8 Jalan Pudu Ulu, Cheras, 50728 Kuala Lumpur
Tel: 03 9282 2235, Fax: 03 9285 1477
MAMPU - Malaysian Administrative Modernisation & Management Planning Unit
Unit Pemodenan Tadbiran dan Perancangan Pengurusan Malaysia.
http://www.mampu.gov.my/
Tel: 03 8888 1199
Maritime Institute - MIMA
http://www.mima.gov.my/
MARA - Majlis Amanah Rakyat or Council of Trust For the Indigenous People
http://www.mara.gov.my/
21 Jalan Raja Laut, 50609 Kuala Lumpur
Tel: 03 2691 5111, Fax: 03 26913620
MARDEC Berhad
http://www.mardec.com.my/
Tel: 03 4256 7055
MARDI - Malaysian Agricultural Research and Development Institute
http://www.mardi.my/
Tel: 03 8943 7111
MASTIC - Malaysian Science & Technology Information Centre
http://www.mastic.gov.my/
Tel: 03 8885 8000
MDIC Malaysian Defence Industry Council - Majlis Industri Pertahanan Malaysia
http://mdic.mod.gov.my/
Tel: 03 2071 5675
MIMOS - Malaysian Institute of Microelectronic Systems
http://www.mimos.my/
Tel: 03 8996 5000, 03 8996 1900, 03 8996 5000 (Anjung MIMOS)
MINT - Malaysian Institute for Nuclear Technology Research
Institut Penyelidikan Teknologi Nuklear Malaysia
http://www.mint.gov.my/
Tel: 03 8925 0510
MPOB - Malaysian Palm Oil Board
http://mpob.gov.my/
Tel: 03 8925 9155
MPOPC - Malaysian Palm Oil Promotion Council
http://www.mpopc.org.my/
MTDC Malaysian Technology Development Corporation
http://www.mtdc.com.my/
Tel: 03 2161 2000
Multimedia Development Corporation - MDeC (formerly MDC)
http://www.mdec.com.my/ or http://www.mdc.com.my/
Tel: 03 8318 8477
Multimedia Technology Enhancement Operations - METEOR
http://www.meteor.com.my/
Post Box 132, 16th Floor, Angkasa Raya Building, Jalan Ampang, 50450 Kuala Lumpur
Tel: 03 2148 8400, Fax: 03 2141 5400
Multimedia Super Corridor - MSC
http://www.msc.com.my/
MSC Headquarters
2360 Persiaran APEC, 63000 Cyberjaya
Tel: 03 8315 3000, Fax: 03 8318 8519
MyCERT - Malaysian Computer Emergency Response Team
http://www.mycert.org.my/
c/o MIMOS Berhad, Technology Park Malaysia, 57000 Kuala Lumpur
Tel: 03 8996 1901, Fax: 03 8996 0827
MyKad - Kad Pintar Pelbagaiguna Kerajaan - Government Multipurpose ID Card
http://www.jpn.gov.my/gmpc/index.htm
MyNIC - Malaysian Network Information Center (.my domain name registration)
http://www.mynic.net.my/
Tel: 03 8657 7008
National Archives - Arkib Negara Malaysia
http://arkib.gov.my/
Tel: 03 6201 0688
National Biotechnology Directorate
http://www.biotek.gov.my/
Ministry of Science Technology & Innovation,
Level 3, Block C4, Parcel C, Federal Government Administrative Centre, 62662 Putrajaya
Tel: 03 8885 8187, Fax: 03 8888 4050
National Biotechnology & Bioinformatics Network - NBBnet
http://www.nbbnet.gov.my/
Aras 3, Blok C4, Parcel C, Pusat Pentadbiran Kerajaan Persekutuan, 62662 Putrajaya
National Library - Perpustakaan Negara Malaysia
http://www.pnm.my/
Tel: 03 2687 1700
National Narcotic Agency (Anti-Drug) - Agensi Anti-Dadah Kebangsaan
http://www.adk.gov.my/
National Pharmaceutical Control Bureau NPCB - Biro Pengawalan Farmaseutikal Kebangsaan BPFK
http://www.bpfk.gov.my/
Tel: 03 7957 3611
National Sports Council - Majlis Sukan Negara Malaysia Kompleks Sukan Negara, Bukit Jalil
http://www.nsc.gov.my/
Tel: 03 8992 9600
NIOSH - National Institute Of Occupational Safety And Health
http://www.niosh.com.my/
Tel: 03 8926 1900
NISER - National ICT Security and Emergency Response Centre
http://www.niser.org.my/
c/o MIMOS Berhad.
Technology Park Malaysia, 57000 Kuala Lumpur
Tel: 03 8996 1901, Fax: 03 8996 0827, E-mail: '; document.write( '' ); document.write( addy_text26560 ); document.write( '<\/a>' ); //-->\n
NLAC National Labour Advisory Council
http://www.jaring.my/ksm/nlac.htm
NPC - National Productivity Corporation. Perbadanan Produktiviti Negara
http://www.npc.org.my/
Tel: 03 7955 7266
Olympic Council Of Malaysia - OCM
http://www.olympic.org.my/
Tel: 03 2715 2802
Parliament - Parlimen Malaysia (Dewan Rakyat & Dewan Negara)
http://www.parlimen.gov.my/
Tel: 03 2072 1955
Penang Development Corporation
http://www.pdc.gov.my/
1 Pesiaran Mahsuri, Bandar Bayan Baru, 11909 Bayan Lepas, Penang
Tel: 04 634 0111, Fax: 04 643 2405
Pepper Marketing Board
http://www.sarawakpepper.gov.my/
Tel: 082 33 1811
Perbadanan Harta Intelek Malaysia - Intellectual Property Corporation of Malaysia
http://www.mipc.gov.my/
Aras 32, Menara Dayabumi, Jalan Sultan Hishamuddin, 50623 Kuala Lumpur
Tel: 03 2274 8671(Counter), 03 2274 2100 (Operator), Fax: 03 2274 1332
Perbadanan Putrajaya
http://www.putrajaya.net.my/
Tel: 03 8887 7000
Percetakan Nasional Malaysia Berhad (PNMB) - Print Nasional Malaysia Berhad
(Privatised company which was previously the National Government Printers)
http://www.printnasional.com.my/
Jalan Chan Sow Lin, 50554 Kuala Lumpur
Tel: 03 9221 2022, Fax: 03 9222 4773
PERDA Lembaga Kemajuan Wilayah Pulau Pinang - Penang Regional Development Authority
http://www.perda.gov.my/
1 Lorong Kampung Gajah 2, Jalan Kampung Gajah, 12200 Butterworth, Pulau Pinang
Tel: 04 310 3100, Fax: 04 3321676
PERKESO - See SOCSO below
PKNS Perbadanan Kemajuan Negeri Selangor
http://www.pkns.gov.my/
Tel: 03 7957 2955
PORIM - Palm Oil Reseach Institute of Malaysia
http://porim.gov.my/
PORLA
http://www.porla.gov.my/
Pusat Infrastruktur Data Geospatial Negara - Malaysian Centre for Geospatial Data Infrastructure (MaCGDI)
http://www.nalis.gov.my/
Tingkat 16, Wisma Tanah, Jalan Semarak, 50574, Kuala Lumpur
Tel: 03 2692 1566, Fax: 03-2693 4941
Pusat Pelancongan Malaysia - Malaysia Tourism Centre MTC
http://www.mtc.gov.my/
109 Jalan Ampang, 50450 Kuala Lumpur
Tel: 03 2163 3664, Fax: 03 2162 1149
Pusat Sains Negara PSN - National Science Center
http://www.psn.gov.my/
Pesiaran Bukit Kiara, Bukit Kiara, 50662 Kuala Lumpur
Tel: 03 2092 1150, Fax: 03 2092 1250
Pusat Tenaga Malaysia - National energy research centre
http://www.ptm.org.my/
Puspakom - Pusat Pemeriksaan Kenderaan Berkomputer. Vehicle Inspection & Safety Certification Center
http://www.puspakom.com.my/
553 A-E, Tkt 3&4, Batu 3 1/2, Jalan Ipoh 51200 Kuala Lumpur
Tel: 03 6258 3233, Fax: 03 6253 6199, E-mail: '; document.write( '' ); document.write( addy_text71717 ); document.write( '<\/a>' ); //-->\n
Jalan Genting Klang, Setapak, 53300 Kuala Lumpur
Tel: 03 4143 3321, Fax: 03 4143 5388
RISDA
http://www.risda.gov.my/
Bangunan RISDA, Km 7 Jalan Ampang, 50990 Kuala Lumpur
Tel: 03 4256 4022, Fax: 03 4257 6726
Sabah Economic Development Corporation - SEDCO
http://www.sabah.gov.my/sedco/
Tingkat 8, 9, 10, Wisma SEDCO, Lorong Plaza Wawasan, Off Coastal Highway, 88823 Kota Kinabalu, Sabah
Tel: 088 26 6777, Fax: 088 21 9179
Sabah Energy Corporation
http://www.sabahenergycorp.com/
1st, 2nd & 3rd Floors, Wisma Boon Siew, 9.5 KM, Tuaran Road, 88450 Inanam, Kota Kinabalu, Sabah
Tel: 088 44 0600, Fax: 088 44 0607
Sarawak Development Institute - SDI
http://www.sdi.com.my/
Kompleks AZAM, Jalan Crookshank, 93000 Kuching, Sarawak
Tel: 082 41 5484, Fax: 082 41 2799
Sarawak Economic Development Corporation SEDC
http://www.sedc.com.my/
6-11th Floor, Menara SEDC, Jalan Tunku Abdul Rahman, P O Box 400, 93902 Kuching, Sarawak
Tel: 082 41 6777, Fax: 082 42 4330
Sarawak Forestry
http://www.sarawakforestry.com/
Level 12, Office Tower, Hock Lee Centre, Jalan Datuk Abang Abdul Rahim, 93450 Kuching, Sarawak
Tel: 1 800 88 2526, 082 34 8001, Fax: 082 48 8654
Selangor Industrial Corporation - SIC
http://www.sic.com.my/
1 Jalan Singa B 20/B, Seksyen 20, 40000 Shah Alam, Selangor
Tel: 03 5541 6499, Fax: 03 5542 3573
Selangor State Investment Centre - SSIC
http://www.ssic.com.my/
24th Floor, Wisma MBSA, Persiaran Perbandaran, 40000 Shah Alam
Tel: 03 5510 2005, Fax: 03 5519 6403
SERI - Penang State Government's Socio-Economic and Environmental Research Institute (Think Tank)
http://www.seri.com.my/
SIRIM Berhad - Standards and Industrial Research Institute of Malaysia
http://www.sirim.my/
Tel: 03 5544 6000
SOCSO - Social Security Organization. PERKESO Pertubuhan Keselamatan Sosial Malaysia
http://www.perkeso.gov.my/
Menara PERKESO, 281 Jalan Ampang, 50538 Kuala Lumpur
Tel: 03 4264 5000, 03 4257 5755 (Hotline)
Technology Park Malaysia - TPM
http://www.tpm.com.my/
Tel: 03 8998 2020
ACPG Management Sdn Bhd
Member of Malaysia JMB Insurance Organisation (JMBIM)
wwww.jmbinsurance.com.my
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323
AIG Strata Title JMB Insurance Kuala Lumpur Malaysia
AIG Strata Title JMB Insurance Kuala Lumpur
AIG Strata Title JMB Insurance Selangor
AIG Strata Title JMB Insurance Cheras
AIG Strata Title JMB Insurance Ampang
AIG Strata Title JMB Insurance Kampung Pandan
AIG Strata Title JMB Insurance Pandan Jaya
AIG Strata Title JMB Insurance Pandan Perdana
AIG Strata Title JMB Insurance Pandan Indah
AIG Strata Title JMB Insurance Taman Cheras
AIG Strata Title JMB Insurance Taman Pertama Cheras
AIG Strata Title JMB Insurance Taman Segar Cheras
AIG Strata Title JMB Insurance Taman Midah
AIG Strata Title JMB Insurance Bandar Tun Razak
AIG Strata Title JMB Insurance Taman Billion
AIG Strata Title JMB Insurance Taman Mewah
AIG Strata Title JMB Insurance Balakong
AIG Strata Title JMB Insurance Bangsar
AIG Strata Title JMB Insurance Pantai Dalam
AIG Strata Title JMB Insurance Jalan Kelang Lama
AIG Strata Title JMB Insurance Kuchai Lama
AIG Strata Title JMB Insurance Sungai Besi
AIG Strata Title JMB Insurance Puchong
AIG Strata Title JMB Insurance Shah Alam
AIG Strata Title JMB Insurance PJ
AIG Strata Title JMB Insurance Petaling Jaya
AIG Strata Title JMB Insurance Seri Petaling
AIG Strata Title JMB Insurance Desa Petaling
AIG Strata Title JMB Insurance Subang
AIG Strata Title JMB Insurance USJ
AIG Strata Title JMB Insurance Damansara
AIG Strata Title JMB Insurance Kota Damansara
AIG Strata Title JMB Insurance Kepong
AIG Strata Title JMB Insurance Sungai Buluh
AIG Strata Title JMB Insurance Rawang
AIG Strata Title JMB Insurance Jalan Ipoh
AIG Strata Title JMB Insurance Selayang
AIG Strata Title JMB Insurance Gombak
AIG Strata Title JMB Insurance Wangsa Maju
AIG Strata Title JMB Insurance Setapak
AIG Strata Title JMB Insurance Kajang
AIG Strata Title JMB Insurance Sungai Long
AIG Strata Title JMB Insurance Mahkota Cheras
AIG Strata Title JMB Insurance Seri Kembangan
AIG Strata Title JMB Insurance Kajang
AIG Strata Title JMB Insurance KL
AXA Strata Title JMB Insurance Kuala Lumpur Malaysia
AXA Strata Title JMB Insurance Kuala Lumpur
AXA Strata Title JMB Insurance Selangor
AXA Strata Title JMB Insurance Cheras
AXA Strata Title JMB Insurance Ampang
AXA Strata Title JMB Insurance Kampung Pandan
AXA Strata Title JMB Insurance Pandan Jaya
AXA Strata Title JMB Insurance Pandan Perdana
AXA Strata Title JMB Insurance Pandan Indah
AXA Strata Title JMB Insurance Taman Cheras
AXA Strata Title JMB Insurance Taman Pertama Cheras
AXA Strata Title JMB Insurance Taman Segar Cheras
AXA Strata Title JMB Insurance Taman Midah
AXA Strata Title JMB Insurance Bandar Tun Razak
AXA Strata Title JMB Insurance Taman Billion
AXA Strata Title JMB Insurance Taman Mewah
AXA Strata Title JMB Insurance Balakong
AXA Strata Title JMB Insurance Bangsar
AXA Strata Title JMB Insurance Pantai Dalam
AXA Strata Title JMB Insurance Jalan Kelang Lama
AXA Strata Title JMB Insurance Kuchai Lama
AXA Strata Title JMB Insurance Sungai Besi
AXA Strata Title JMB Insurance Puchong
AXA Strata Title JMB Insurance Shah Alam
AXA Strata Title JMB Insurance PJ
AXA Strata Title JMB Insurance Petaling Jaya
AXA Strata Title JMB Insurance Seri Petaling
AXA Strata Title JMB Insurance Desa Petaling
AXA Strata Title JMB Insurance Subang
AXA Strata Title JMB Insurance USJ
AXA Strata Title JMB Insurance Damansara
AXA Strata Title JMB Insurance Kota Damansara
AXA Strata Title JMB Insurance Kepong
AXA Strata Title JMB Insurance Sungai Buluh
AXA Strata Title JMB Insurance Rawang
AXA Strata Title JMB Insurance Jalan Ipoh
AXA Strata Title JMB Insurance Selayang
AXA Strata Title JMB Insurance Gombak
AXA Strata Title JMB Insurance Wangsa Maju
AXA Strata Title JMB Insurance Setapak
AXA Strata Title JMB Insurance Kajang
AXA Strata Title JMB Insurance Sungai Long
AXA Strata Title JMB Insurance Mahkota Cheras
AXA Strata Title JMB Insurance Seri Kembangan
AXA Strata Title JMB Insurance Kajang
AXA Strata Title JMB Insurance KL
Allianz Strata Title JMB Insurance Kuala Lumpur Malaysia
Allianz Strata Title JMB Insurance Kuala Lumpur
Allianz Strata Title JMB Insurance Selangor
Allianz Strata Title JMB Insurance Cheras
Allianz Strata Title JMB Insurance Ampang
Allianz Strata Title JMB Insurance Kampung Pandan
Allianz Strata Title JMB Insurance Pandan Jaya
Allianz Strata Title JMB Insurance Pandan Perdana
Allianz Strata Title JMB Insurance Pandan Indah
Allianz Strata Title JMB Insurance Taman Cheras
Allianz Strata Title JMB Insurance Taman Pertama Cheras
Allianz Strata Title JMB Insurance Taman Segar Cheras
Allianz Strata Title JMB Insurance Taman Midah
Allianz Strata Title JMB Insurance Bandar Tun Razak
Allianz Strata Title JMB Insurance Taman Billion
Allianz Strata Title JMB Insurance Taman Mewah
Allianz Strata Title JMB Insurance Balakong
Allianz Strata Title JMB Insurance Bangsar
Allianz Strata Title JMB Insurance Pantai Dalam
Allianz Strata Title JMB Insurance Jalan Kelang Lama
Allianz Strata Title JMB Insurance Kuchai Lama
Allianz Strata Title JMB Insurance Sungai Besi
Allianz Strata Title JMB Insurance Puchong
Allianz Strata Title JMB Insurance Shah Alam
Allianz Strata Title JMB Insurance PJ
Allianz Strata Title JMB Insurance Petaling Jaya
Allianz Strata Title JMB Insurance Seri Petaling
Allianz Strata Title JMB Insurance Desa Petaling
Allianz Strata Title JMB Insurance Subang
Allianz Strata Title JMB Insurance USJ
Allianz Strata Title JMB Insurance Damansara
Allianz Strata Title JMB Insurance Kota Damansara
Allianz Strata Title JMB Insurance Kepong
Allianz Strata Title JMB Insurance Sungai Buluh
Allianz Strata Title JMB Insurance Rawang
Allianz Strata Title JMB Insurance Jalan Ipoh
Allianz Strata Title JMB Insurance Selayang
Allianz Strata Title JMB Insurance Gombak
Allianz Strata Title JMB Insurance Wangsa Maju
Allianz Strata Title JMB Insurance Setapak
Allianz Strata Title JMB Insurance Kajang
Allianz Strata Title JMB Insurance Sungai Long
Allianz Strata Title JMB Insurance Mahkota Cheras
Allianz Strata Title JMB Insurance Seri Kembangan
Allianz Strata Title JMB Insurance Kajang
Allianz Strata Title JMB Insurance KL
MSIG Strata Title JMB Insurance Kuala Lumpur Malaysia
MSIG Strata Title JMB Insurance Kuala Lumpur
MSIG Strata Title JMB Insurance Selangor
MSIG Strata Title JMB Insurance Cheras
MSIG Strata Title JMB Insurance Ampang
MSIG Strata Title JMB Insurance Kampung Pandan
MSIG Strata Title JMB Insurance Pandan Jaya
MSIG Strata Title JMB Insurance Pandan Perdana
MSIG Strata Title JMB Insurance Pandan Indah
MSIG Strata Title JMB Insurance Taman Cheras
MSIG Strata Title JMB Insurance Taman Pertama Cheras
MSIG Strata Title JMB Insurance Taman Segar Cheras
MSIG Strata Title JMB Insurance Taman Midah
MSIG Strata Title JMB Insurance Bandar Tun Razak
MSIG Strata Title JMB Insurance Taman Billion
MSIG Strata Title JMB Insurance Taman Mewah
MSIG Strata Title JMB Insurance Balakong
MSIG Strata Title JMB Insurance Bangsar
MSIG Strata Title JMB Insurance Pantai Dalam
MSIG Strata Title JMB Insurance Jalan Kelang Lama
MSIG Strata Title JMB Insurance Kuchai Lama
MSIG Strata Title JMB Insurance Sungai Besi
MSIG Strata Title JMB Insurance Puchong
MSIG Strata Title JMB Insurance Shah Alam
MSIG Strata Title JMB Insurance PJ
MSIG Strata Title JMB Insurance Petaling Jaya
MSIG Strata Title JMB Insurance Seri Petaling
MSIG Strata Title JMB Insurance Desa Petaling
MSIG Strata Title JMB Insurance Subang
MSIG Strata Title JMB Insurance USJ
MSIG Strata Title JMB Insurance Damansara
MSIG Strata Title JMB Insurance Kota Damansara
MSIG Strata Title JMB Insurance Kepong
MSIG Strata Title JMB Insurance Sungai Buluh
MSIG Strata Title JMB Insurance Rawang
MSIG Strata Title JMB Insurance Jalan Ipoh
MSIG Strata Title JMB Insurance Selayang
MSIG Strata Title JMB Insurance Gombak
MSIG Strata Title JMB Insurance Wangsa Maju
MSIG Strata Title JMB Insurance Setapak
MSIG Strata Title JMB Insurance Kajang
MSIG Strata Title JMB Insurance Sungai Long
MSIG Strata Title JMB Insurance Mahkota Cheras
MSIG Strata Title JMB Insurance Seri Kembangan
MSIG Strata Title JMB Insurance Kajang
MSIG Strata Title JMB Insurance KL
Lonpac Strata Title JMB Insurance Kuala Lumpur Malaysia
Lonpac Strata Title JMB Insurance Kuala Lumpur
Lonpac Strata Title JMB Insurance Selangor
Lonpac Strata Title JMB Insurance Cheras
Lonpac Strata Title JMB Insurance Ampang
Lonpac Strata Title JMB Insurance Kampung Pandan
Lonpac Strata Title JMB Insurance Pandan Jaya
Lonpac Strata Title JMB Insurance Pandan Perdana
Lonpac Strata Title JMB Insurance Pandan Indah
Lonpac Strata Title JMB Insurance Taman Cheras
Lonpac Strata Title JMB Insurance Taman Pertama Cheras
Lonpac Strata Title JMB Insurance Taman Segar Cheras
Lonpac Strata Title JMB Insurance Taman Midah
Lonpac Strata Title JMB Insurance Bandar Tun Razak
Lonpac Strata Title JMB Insurance Taman Billion
Lonpac Strata Title JMB Insurance Taman Mewah
Lonpac Strata Title JMB Insurance Balakong
Lonpac Strata Title JMB Insurance Bangsar
Lonpac Strata Title JMB Insurance Pantai Dalam
Lonpac Strata Title JMB Insurance Jalan Kelang Lama
Lonpac Strata Title JMB Insurance Kuchai Lama
Lonpac Strata Title JMB Insurance Sungai Besi
Lonpac Strata Title JMB Insurance Puchong
Lonpac Strata Title JMB Insurance Shah Alam
Lonpac Strata Title JMB Insurance PJ
Lonpac Strata Title JMB Insurance Petaling Jaya
Lonpac Strata Title JMB Insurance Seri Petaling
Lonpac Strata Title JMB Insurance Desa Petaling
Lonpac Strata Title JMB Insurance Subang
Lonpac Strata Title JMB Insurance USJ
Lonpac Strata Title JMB Insurance Damansara
Lonpac Strata Title JMB Insurance Kota Damansara
Lonpac Strata Title JMB Insurance Kepong
Lonpac Strata Title JMB Insurance Sungai Buluh
Lonpac Strata Title JMB Insurance Rawang
Lonpac Strata Title JMB Insurance Jalan Ipoh
Lonpac Strata Title JMB Insurance Selayang
Lonpac Strata Title JMB Insurance Gombak
Lonpac Strata Title JMB Insurance Wangsa Maju
Lonpac Strata Title JMB Insurance Setapak
Lonpac Strata Title JMB Insurance Kajang
Lonpac Strata Title JMB Insurance Sungai Long
Lonpac Strata Title JMB Insurance Mahkota Cheras
Lonpac Strata Title JMB Insurance Seri Kembangan
Lonpac Strata Title JMB Insurance Kajang
Lonpac Strata Title JMB Insurance KL
Kurnia Strata Title JMB Insurance Kuala Lumpur Malaysia
Kurnia Strata Title JMB Insurance Kuala Lumpur
Kurnia Strata Title JMB Insurance Selangor
Kurnia Strata Title JMB Insurance Cheras
Kurnia Strata Title JMB Insurance Ampang
Kurnia Strata Title JMB Insurance Kampung Pandan
Kurnia Strata Title JMB Insurance Pandan Jaya
Kurnia Strata Title JMB Insurance Pandan Perdana
Kurnia Strata Title JMB Insurance Pandan Indah
Kurnia Strata Title JMB Insurance Taman Cheras
Kurnia Strata Title JMB Insurance Taman Pertama Cheras
Kurnia Strata Title JMB Insurance Taman Segar Cheras
Kurnia Strata Title JMB Insurance Taman Midah
Kurnia Strata Title JMB Insurance Bandar Tun Razak
Kurnia Strata Title JMB Insurance Taman Billion
Kurnia Strata Title JMB Insurance Taman Mewah
Kurnia Strata Title JMB Insurance Balakong
Kurnia Strata Title JMB Insurance Bangsar
Kurnia Strata Title JMB Insurance Pantai Dalam
Kurnia Strata Title JMB Insurance Jalan Kelang Lama
Kurnia Strata Title JMB Insurance Kuchai Lama
Kurnia Strata Title JMB Insurance Sungai Besi
Kurnia Strata Title JMB Insurance Puchong
Kurnia Strata Title JMB Insurance Shah Alam
Kurnia Strata Title JMB Insurance PJ
Kurnia Strata Title JMB Insurance Petaling Jaya
Kurnia Strata Title JMB Insurance Seri Petaling
Kurnia Strata Title JMB Insurance Desa Petaling
Kurnia Strata Title JMB Insurance Subang
Kurnia Strata Title JMB Insurance USJ
Kurnia Strata Title JMB Insurance Damansara
Kurnia Strata Title JMB Insurance Kota Damansara
Kurnia Strata Title JMB Insurance Kepong
Kurnia Strata Title JMB Insurance Sungai Buluh
Kurnia Strata Title JMB Insurance Rawang
Kurnia Strata Title JMB Insurance Jalan Ipoh
Kurnia Strata Title JMB Insurance Selayang
Kurnia Strata Title JMB Insurance Gombak
Kurnia Strata Title JMB Insurance Wangsa Maju
Kurnia Strata Title JMB Insurance Setapak
Kurnia Strata Title JMB Insurance Kajang
Kurnia Strata Title JMB Insurance Sungai Long
Kurnia Strata Title JMB Insurance Mahkota Cheras
Kurnia Strata Title JMB Insurance Seri Kembangan
Kurnia Strata Title JMB Insurance Kajang
Kurnia Strata Title JMB Insurance KL
Tokio Marine Strata Title JMB Insurance Kuala Lumpur Malaysia
Tokio Marine Strata Title JMB Insurance Kuala Lumpur
Tokio Marine Strata Title JMB Insurance Selangor
Tokio Marine Strata Title JMB Insurance Cheras
Tokio Marine Strata Title JMB Insurance Ampang
Tokio Marine Strata Title JMB Insurance Kampung Pandan
Tokio Marine Strata Title JMB Insurance Pandan Jaya
Tokio Marine Strata Title JMB Insurance Pandan Perdana
Tokio Marine Strata Title JMB Insurance Pandan Indah
Tokio Marine Strata Title JMB Insurance Taman Cheras
Tokio Marine Strata Title JMB Insurance Taman Pertama Cheras
Tokio Marine Strata Title JMB Insurance Taman Segar Cheras
Tokio Marine Strata Title JMB Insurance Taman Midah
Tokio Marine Strata Title JMB Insurance Bandar Tun Razak
Tokio Marine Strata Title JMB Insurance Taman Billion
Tokio Marine Strata Title JMB Insurance Taman Mewah
Tokio Marine Strata Title JMB Insurance Balakong
Tokio Marine Strata Title JMB Insurance Bangsar
Tokio Marine Strata Title JMB Insurance Pantai Dalam
Tokio Marine Strata Title JMB Insurance Jalan Kelang Lama
Tokio Marine Strata Title JMB Insurance Kuchai Lama
Tokio Marine Strata Title JMB Insurance Sungai Besi
Tokio Marine Strata Title JMB Insurance Puchong
Tokio Marine Strata Title JMB Insurance Shah Alam
Tokio Marine Strata Title JMB Insurance PJ
Tokio Marine Strata Title JMB Insurance Petaling Jaya
Tokio Marine Strata Title JMB Insurance Seri Petaling
Tokio Marine Strata Title JMB Insurance Desa Petaling
Tokio Marine Strata Title JMB Insurance Subang
Tokio Marine Strata Title JMB Insurance USJ
Tokio Marine Strata Title JMB Insurance Damansara
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