Terms and Conditions

Effective date: 1st September 2022

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 1. Introduction 

Welcome to www.coveron.my (“Site” or “Website”).

This website is owned and operated by Legacy Advisory Sdn Bhd from Malaysia. Throughout the Site, the terms “we”, “us”, “platform”, “CoverOn” and “our” refer to Legacy Advisory Sdn Bhd. We offer this website, including all information, tools, and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here.

By visiting our site and/or when using any of our site features, you (“User”) engage in our “Service” and agree to be bound by the following terms and conditions (“Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. References to "you" in these Terms of Service means you, your duly authorized representatives and any entity you may represent in connection with your use of the Services.

These Terms and Conditions apply to all users of the site, including without limitation users who are browsers, users, and/ or contributors of content.

PLEASE READ THE FOLLOWING TERMS AND DISCLAIMERS CAREFULLY BEFORE USING THE SERVICES.  IF YOU DO NOT AGREE WITH THESE TERMS, OUR PRIVACY POLICY, OR ANY OTHER OF OUR POLICIES, YOU SHOULD NOT USE THE SERVICES.

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 2. CoverOn – General Information

• What we do.  CoverOn helps you to compare car, motorcycle & lorry insurance premiums across different providers without the need for you to navigate through the various insurance portals in a tedious and time consuming manner. Apart from identifying the cheapest premium in the market at a point in time, we also assist you to look for additional free benefits on promotions that may be offered from time to time. In other words, we do the shopping for you and you make the decision.To find out more information about what we do, please refer to our website.

• Sole discretion. We reserve the right to add/discontinue any product or service anytime at our sole discretion.

 3. Eligibility

CoverOn is strictly limited to parties who can lawfully enter into and form contracts on the Internet. Not all of the products or services described on this Site are available in all areas of the Malaysia and you may not be eligible for them. We reserve the right to determine eligibility.

If you are under age 18, you may only use the Services with the consent of your parent or legal guardian. Please be sure your parent or legal guardian has reviewed and discussed these Terms with you.

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 4. Site Information

The information available on this website is not and should not be construed as insurance advice by CoverOn. Despite the fact that CoverOn will use reasonable efforts to ensure the validity and accuracy of the information on the Site, CoverOn disclaims all responsibility for any inaccurate, incomplete, or misinterpreted information and makes no representations as to the effectiveness and accuracy of such information or content. Based on information from the insurance agent on the Site, any conclusions and decisions about the purchase of insurance, such as coverage amounts, limitations, and deductibles, are entirely and solely the responsibility of the insured. CoverOn may occasionally update the Site to reflect new content or data. Any dispute about coverage must be resolved between you and the insurance agent from whom you purchased the policy, and it will be done so in line with the provisions of the insurance policy, not the website. As a result, before making any purchasing decisions, you are advised to read or obtain a sample of the real policy documents from the insurance agent.

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 5. Blacklist

You certify that no regulator or body, including Bank Negara, the Securities Commission, the Companies Commission of Malaysia, etc., or any underwriter, insurer, agent, or broker has placed you on their blacklist or suspended you. Any refund requests that are not approved may be rejected, among other things, and the use of the Site may be suspended or even prohibited if the insurance agent is not informed of the situation.

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 6. Underwriting

The insurance company or takaful operator of your choice will underwrite your insurance or takaful. “Legacy Advisory Sdn Bhd “is the agency that holds license for all the insurance companies listed on the CoverOn Site.

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 7. Coverage & Insurance Quotes

All quotations provided on the website based on data provided by insurance companies are based on the data you submit and do not constitute an agreement to extend insurance coverage. Any coverage descriptions provided by the insurance companies and made available on the website are not a statement of contract, but rather are general representations of possible coverages. You must submit an application to the insurance company on the website in order to be covered. Every application is between the user and the insurance company, and it must be approved by underwriting. Availability and coverage may differ by state or province, and depending on the agency, your state may offer extra minimum coverage limitations.

You are hereby advised to take reasonable care not to falsify any facts in your responses to any questions in your application for insurance from the insurance agency on the Site, and to provide complete and accurate answers to all inquiries. The insurer may avoid your insurance contract, deny or reduce your claim(s), amend the terms of your contract, or terminate it if you don't answer the questions with reasonable care. The aforementioned obligation of disclosure is still in effect up to the time your insurance contract with the insurer is signed, amended, or renewed. You must reveal any additional information you know to be relevant to the insurer's decision to accept the risks and decide on the rates and terms that will be applied, in addition to providing the information requested in the insurance agency's application form. You also have a responsibility to notify the insurance agent right away if any of the information provided to the insurance agent via the Site is false or has changed at any point after your insurance contract has been entered into, altered, or renewed with the insurer.

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7a. Insurance Quotations and Sum Insured

• Market Value Basis: All insurance quotations provided on CoverOn are based on the market value of the vehicle as estimated by our partnered insurers. The premium rates and coverage details are subject to this valuation at the time of quotation.

• Sum Insured Adjustments: Any modifications or adjustments made to the sum insured by the user after receiving a quotation may result in instances of underinsurance or overinsurance. It is the responsibility of the policyholder to ensure that the sum insured aligns with the actual market value of the vehicle.

• Average Clause Application: In the event of underinsurance, where the sum insured is lower than the actual market value of the vehicle, an average clause may be applied by the insurer. This clause may result in a proportional reduction in the claim settlement in case of a partial loss.

• Overinsurance Disclaimer: Similarly, in cases of overinsurance, where the sum insured exceeds the market value of the vehicle, the insurer reserves the right to adjust the claim settlement accordingly.

• Accuracy of Market Value: While CoverOn endeavors to provide accurate estimations of the market value for vehicles based on available information, we do not guarantee the correctness or accuracy of this valuation. Users understand and agree that CoverOn shall not be held liable or responsible for any discrepancies, errors, or inaccuracies in the estimated market value provided for the vehicles listed on the platform.

• Policyholder Responsibility: Users are advised to regularly review and update the sum insured to reflect the current market value of their vehicle. Any discrepancies between the insured amount and the market value could impact the policy coverage and claim settlements.

• Consultation with Insurer: For any doubts or queries regarding the sum insured, market value, or implications of adjustments, users are encouraged to directly consult the insurer or their representative for clarification before finalizing the policy.

• Transfer of Ownership or Unavailable Market Value: In cases of transfer of ownership or when unable to obtain the market value from the insurance company, the provided sum insured is solely the responsibility of the client. Underinsurance may occur, and CoverOn will not assume responsibility for any resulting losses or disputes arising from inadequate coverage in such circumstances.

• Liability Waiver: CoverOn shall not be held responsible for any losses, disputes, or discrepancies arising from underinsurance, overinsurance, or adjustments made to the sum insured after receiving the initial quotation.

• Acceptance of Terms: By using CoverOn's services and obtaining insurance quotations, users acknowledge and agree to abide by these terms related to sum insured, market value, and the application of the average clause.

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7b. Verification of Policy Details

Users are solely responsible for reviewing and confirming the accuracy and completeness of all policy details once the insurance policy is issued. CoverOn strongly advises users to thoroughly check the policy documents to ensure correctness regarding personal information, coverage limits, endorsements, deductibles, and any other policy terms. Any discrepancies or errors found should be immediately reported to the respective insurance company or their appointed representative for rectification.

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7c. Disclaimer Regarding Claims Issues

CoverOn shall not be held liable or responsible for any claims issues arising due to errors, discrepancies, or inaccuracies in the policy details as provided by the insurer or as a result of user oversight or neglect in verifying the correctness of the policy. Users acknowledge and agree that any claims-related problems resulting from inaccurate policy information are solely the responsibility of the user and the insurer, and CoverOn shall not be held accountable for such instances.

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 8. Claims Submissions

The information you provide to the insurance provider/agency via the site regarding your insurance policy and the loss is subject to inspection and verification by the insurance company if you want to register an insurance claim. Prior to submitting a claim to the insurance underwriter or agency, the insurance agency maintains the right to seek more details. You may be in contact with a claim agent from the insurance underwriter or agent. Please use the help page on the website to contact your insurance company if you have any queries about the coverage provided by your policy. We are only a connecting platform and can not facilitate in a claim. The insurance agency is solely responsible in this regard.

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 9. Vouchers

The Site may occasionally host marketing and promotional activities that offer coupon codes, discounts, subscription plans, or other promotional incentives ("Vouchers"). The availability, restrictions, and/or validity periods of vouchers are subject to change. When combined with other offers, discounts, or other coupons, certain vouchers could not be accepted. Vouchers might be subject to extra rules and regulations. The only place where Vouchers can be used is on the Site, unless otherwise specified. The inability to convert a voucher for cash means that it cannot be transferred, swapped, or refunded. CoverOn maintains the right to withdraw, modify, and/or change any of the terms and conditions of the promotions and subscriptions at any time. CoverOn will use reasonable efforts to notify customers via the Site if this occurs, whether it be before, during, or after the promotion. If a user violates any of these Terms or the rules governing the Vouchers, CoverOn maintains the right to cancel, terminate, or disqualify them from participating in the contest.

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 10. Insurance Refunds

Please refer to our Refund policy for more information on this section.

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 11. Policy Renewal

You will be questioned about your circumstances when the insurance company processes your insurance application. The company can ask for further details in order to provide you a competitive quote that is in line with your needs and circumstances. Please be aware, too, that the insurance company that underwrites your insurance policy may advise or impose changes to the rate that is currently being provided. Such modifications, which might take place sometimes, are outside the control of the website. You will be informed of any such modifications.

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 12. Permitted use 

You agree to use the Site and the Services only for purposes that are permitted by these Terms and in compliance with all applicable laws, regulations, and generally accepted practices or guidelines in the relevant jurisdictions. You may only use the Site and Services for your non-commercial, non-exclusive, non-assignable, non-transferable, and limited personal use, and no other purposes.

You will not (and will not attempt to):

• Access any of the Services by any means other than through the interface that is provided by CoverOn;

• Gain unauthorised access to CoverOn’s computer system or engage in any activity that interferes with the performance of, or impairs the functionality or security of the Site, the Services, CoverOn’s networks, and computer systems;

• Access any of the Site or the Services through any automated means or with any automated features or devices (including use of scripts or web crawlers);

• Access or collect any personally identifiable information, including any names, email addresses or other such information for any purpose, including, without limitation, commercial purposes;

• Reproduce, duplicate, copy, sell, trade, or resell any aspect of the Site or the Services for any purpose; and

• Reproduce, duplicate, copy, sell, trade or resell any products or services bearing any trademark, service mark, trade name, logo or service mark owned by CoverOn in a way that is likely or intended to confuse the owner or authorized user of such marks, names or logos.

 13. Car Road Tax Renewals.

CoverOn also offers Car Tax Renewal service through the MYEG platform. The service is charged and delivered by MYEG. You fully understand and accept that the terms and conditions and policies of MYEG shall apply in this regard and in no event CoverOn will be responsible. You may check www.myeg.com.my website for more details.

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 14. Limited License and Site Access; Acceptable Use

You may not: (a) resell or make any commercial use of this Site or any of the contents of this Site; (b) modify, adapt, translate, reverse engineer, decompile, disassemble or convert any of the contents of this Site not intended to be so read; (c) copy, imitate, mirror, reproduce, distribute, publish, download, display, perform, post or transmit any of the contents of this Site in any form or by any means; or (d) use any data mining, bots, spiders, automated tools or similar data gathering and extraction methods on the contents of the Site or to collect any information from the Site or any other user of the Site.

You use this Site at your own risk. You agree that you will be personally responsible for your use of this Site and all of your communication and activity on this Site. If we determine, in our sole discretion, that you engaged in prohibited activities, were not respectful of other users, or otherwise violated the Terms and Conditions, we may deny you access to this Site on a temporary or permanent basis and any decision to do so is final.

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 15. Accounts, Registrations, and Passwords

If you use this Site and such use requires setting up an account and/or password(s), you are solely responsible for maintaining the confidentiality of your account and password(s) and for restricting access to your computer.  If you open an account, register, or otherwise provide us with any information, you agree to provide us with current, complete, and accurate information as requested by any forms. CoverOn is not responsible for any errors or delays in responding to any inquiry or request caused by any outdated or incorrect information provided by you or any technical problems beyond the control of CoverOn. You acknowledge and agree that any login, identifier, or password issued in connection with this Site (each a "Password") is confidential information and must be kept secure. You may not disclose such a Password to another person or entity or permit another entity to access the Site using such a Password. You must notify CoverOn immediately of any breach of security or unauthorized use of your account. CoverOn cannot be responsible and disclaims all liability in connection with, the use of any information that you post or display on this Site.

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 16. Intellectual Property Rights

Your use of the Site and its contents grants no rights to you concerning any copyright, designs, and trademarks and all other intellectual property and material rights mentioned, displayed, or relating to the Content (defined below) on the Site.  All Content, including third party trademarks, designs, and related intellectual property rights mentioned or displayed on this Site, are protected by national intellectual property and other laws. Any unauthorized reproduction, redistribution or other use of the Content is prohibited and may result in civil and criminal penalties. You may use the Content only with our prior written and express authorization. To inquire about obtaining authorization to use the Content, please contact us at hello@coveron.my

In addition to the intellectual property rights mentioned above, "Content" is defined as any graphics, photographs, including all image rights, sounds, music, video, audio, or text on the Site.

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 17. Monitoring Activity

CoverOn has no obligation to monitor this Site or any portion thereof. However, we reserve the right to review any posted content and remove, delete, redact or otherwise modify such content, in our sole discretion, at any time and from time to time, without notice or further obligation to you. CoverOn has no obligation to display or post any content. CoverOn, subject to the Privacy Policy reserves the right to disclose, at any time and from time to time, any information or posted the content that it deems necessary or appropriate, including without limitation to satisfy any applicable, law, regulation, contractual obligation, legal, dispute process, or governmental request.  

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 18. Disclaimer

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, COVERON EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES AND REPRESENTATIONS, EXPRESS OR IMPLIED, INCLUDING ANY (A) WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE AS TO THE SITE AND ITS CONTENT, INCLUDING THE INFORMATION, DATA, SOFTWARE, OR PRODUCTS CONTAINED THEREIN, OR THE RESULTS OBTAINED BY THEIR USE OR AS TO THE PERFORMANCE THEREOF, (B) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING, AND (C) WARRANTIES OR CONDITIONS OF UNINTERRUPTED OR ERROR-FREE ACCESS OR USE. THE SITE AND ALL CONTENTS THEREIN AND COMPONENTS THEREOF ARE PROVIDED ON AN “AS IS” BASIS AND YOUR USE OF THE SITE IS AT YOUR OWN RISK.

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 19. Limitation of Liability

You agree that in no event shall CoverOn be liable to you, or any third party, for any lost profits, incidental, consequential, punitive, special, or indirect damages arising out of or in connection with the Site or the Terms and Conditions, even if advised as to the possibility of such damages, regardless of whether the claim for such damages is based in contract, tort, strict liability or otherwise. This limitation on liability includes, but is not limited to, any (i) errors, mistakes, or inaccuracies in any Content or for any loss or damage of any kind incurred by you as a result of your use of or reliance on the Content; (ii) the transmission of any bugs, viruses, Trojan horses or the like which may infect your equipment, failure of mechanical or electronic equipment; (iii) unauthorized access to or use of the Site or CoverOn secure servers and/or any personal information and/or financial information stored therein; or (iv) theft, operator errors, strikes or other labor problems or any force majeure.

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 20. Indemnification

You agree to indemnify and hold CoverOn and its subsidiaries, affiliates, officers, directors, agents, and employees, harmless from and against any suit, action, claim, demand, penalty or loss, including reasonable attorneys’ fees, made by or resulting from any third party due to or arising out of your use of the Site, breach of the Terms and Conditions or the materials it incorporates by reference, or your violation of any law, regulation, order or other legal mandates, or the rights of a third party.

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 21.Dispute Resolution & Governing Laws

In the event of a dispute arising out of or in connection with these terms or any contract between you and us, then you agree to attempt to settle the dispute by engaging in good faith with us in a process of mediation before commencing arbitration or litigation.

These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia and you hereby submit to the exclusive jurisdiction of the Malaysian courts where CoverOn is based in.

 22. Children

If you use or engage with the website and are under 18 years of age, you must have your parent’s or legal guardian’s permission to do so.  By using or engaging with the website, you also acknowledge and agree that you are permitted by your jurisdiction’s applicable law to use and/or engage with the website.

 23. Privacy & Cookies

For more information on how we collect your information and cookies, please refer to our Privacy Policy.

24. Changes

We reserve the right to update and revise these Terms and Conditions at any time. You will know if these Terms and Conditions have been revised since your last visit to the website by referring to the "Effective Date of Current Policy" date at the top of this page. Your use of our Site constitutes your acceptance of these Terms and Conditions as amended or revised by us from time to time, and you should, therefore, review these Terms and Conditions regularly.

 25. Electronic Communications

When you visit the Site or send us e-mails, you are communicating with us electronically. In so doing, you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communication is in writing.

 26. Severability

If any of these Terms and Conditions shall be deemed invalid, void, or for any reason unenforceable, that term shall be deemed severable and shall not affect the validity and enforceability of any remaining terms or conditions.

 27. Assignment

We shall be permitted to assign, transfer, or subcontract our rights and obligations under these terms without your consent or any notice to you. You shall not be permitted to assign, transfer, or subcontract any of your rights and obligations under this agreement.

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 28. Force Majeure

CoverOn is not liable for any delays caused by circumstances beyond CoverOn’s control, e.g. general labor dispute, extreme weather, acts of war, fire, lightning, terrorist attacks, changed governmental orders, technical problems, defects in power- /tele-/computer communications or other communication and defects or delays in the service by sub-suppliers due to circumstances set forth above.

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 29. Entire Agreement

These Terms and Conditions set forth the entire understanding and agreement between you and CoverOn concerning the subject matter herein and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written concerning the Site. A printed version of these Terms and Conditions and any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms and Conditions to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Any rights not expressly granted herein are reserved. You may not assign the Terms and Conditions, or assign, transfer or sublicense your rights therein. A failure to act concerning a breach by you or others does not waive CoverOn's right to act concerning subsequent or similar breaches.

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 30. Term and Termination

This agreement becomes effective the date that you first access the Site and remains effective until it is terminated consistent with its terms. Violations of this agreement may result in the immediate termination of this agreement and denials or terminations of your access to the Site. Such restrictions may be temporary or permanent. Upon termination, your right to use this Site shall be revoked. All disclaimers, limitations of liability, indemnities, and rights of ownership and licenses to CoverOn shall survive any termination.

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 31. Contact Us

For any questions, complaints, and queries or to report any violations, kindly send an email on hello@coveron.my