Landlord Insurance Claim FAQ & Process

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Your tenant permanently departs from the Premises during the Period of Insurance without providing written or verbal notice of departure, as required under the current lease, or rental agreement or without any intention of returning.

No. This policy will only trigger when the rental loss is due to tenant runaway. Early termination or overstaying is also not covered under the policy.

We will also reimburse the reasonable legal fees incurred issuance of a letter of demand of up to insured amount by a lawyer in relation to non-payment of rent for overstaying or due to default rental or run away.

The definition of malicious act is generally any damage caused to property with malicious intent. With malicious damage, a person has unlawfully and intentionally damaged property—accidents do not count as malicious damage, nor does damage that was not carried out maliciously.

Examples of malicious damage to property:

  • Spray painting graffiti on the walls of a property.
  • Setting a fire intentionally.
  • Breaking windows.
  • Placing glue into locks.
  • Ransacking a property.
  • Ripping out kitchen units.
  • Punching holes in doors and walls.
  • Vandalising furniture.
  • Flooding a property by closing a drain and leaving the water running.
SECTION A-RENTAL DEFAULT
Part I) Loss of Rental income due to Tenant runaway
  1. Duly completed Claim Form
  2. Police Report (mentioned about the runaway tenant and default payment)
  3. Receipt / Bank statement / proof of payment received
  4. Rental agreement, Rental ledger / bank statement showing the full rental history
  5. Reminder notices / demand letters for the outstanding rental if applicable
  6. Any other document relevant to the loss
Part II) Legal Fees for Letter of Demand
  1. Duly completed Claim Form
  2. Police Report (mentioned about the runaway tenant and default payment)
  3. Letter of demand
  4. Solicitor's invoices
  5. Rental agreement
  6. Any other document relevant to the loss
SECTION B- ADDITIONAL BENEFITS TO BE COVERED
Part I) Loss or Damage to due malicious act
  1. Duly completed Claim Form
  2. Police report (mentioned about the damaged items)
  3. Photo of the damaged item and overall view of the damaged cause by the tenant.
  4. Historical invoice of the damaged item
  5. Replacement quotation/ Invoice of the damaged item
  6. Invoice of the damaged item.
  7. Any other documents which relevant to the loss
Part II) Cleaning Services
  1. Duly completed Claim Form
  2. Police report (mentioned about the damaged property)
  3. Photo of the damaged item and overall view of the damaged cause by the tenant.
  4. Cleaning service invoice
  5. Any other documents which relevant to the loss
Part III) Repair or Replacement of doors, locks, access card and keys
  1. Duly completed Claim Form
  2. Police report (mentioned about the damaged items)
  3. Photo of the damaged item and overall view of the damaged cause by the tenant.
  4. Historical invoice of the damaged item
  5. Replacement quotation/ Invoice of the damaged item
  6. Invoice of the damaged item.
  7. Any other documents which relevant to the loss
Part IV) Breakage of Plate Glass
  1. Duly completed Claim Form
  2. Police report (mentioned about the damaged items)
  3. Photo of the damaged item and overall view of the damaged cause by the tenant.
  4. Historical invoice of the damaged item
  5. Replacement quotation/ Invoice of the damaged item
  6. Invoice of the damaged item.
  7. Any other documents which relevant to the loss
Part V) Plumbing, drainage, air-conditioning and toilet malfunction
  1. Duly completed Claim Form
  2. Police report (mentioned about the damaged items)
  3. Photo of the damaged item and overall view of the damaged cause by the tenant.
  4. Historical invoice of the damaged item
  5. Replacement quotation
  6. Invoice of the damaged item.
  7. Any other documents which relevant to the loss
SECTION C-ADDITIONAL COVERAGE
Part I) Theft or burglary by tenant
  1. Duly completed Claim Form
  2. Police report (mentioned about the theft or burglary by the tenant and the stolen i
    3. tems)
  3. Photographs showing the last location of the stolen item
  4. Historical invoice of the Stolen item
  5. Replacement quotation
  6. Invoice of the Stolen item.
  7. Any other documents which relevant to the loss
Issue Time Taken
Loss of rental 7-10 working days - upon receiving full documentation and no further clarification needed.
Loss or damage due to malicious damages 30 working days - upon receiving full documentation and no further clarification needed.
Theft or burglary by tenant 30 working days - upon receiving full documentation and no further clarification needed.

Claim submission to be submitted to: NonMotorClaims@tuneprotect.com
All documents to be submitted in softcopy to the above email address.

This policy provides you with insurance coverage for your property. It provides for reimbursement against rental default and other benefits including but not limited to theft or burglary by tenant.

SECTION BENEFITS SUM INSURED (RM)
PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
SECTION A – RENTAL DEFAULT
I Loss of rental income due to tenant runaway (up to 2 month of monthly rental) 1,000 2,000 3,000 4,000 5,000
II Legal Fees for Letter of Demand 500 750 750 750 1,000
SECTION B – ADDITIONAL BENEFITS TO BE COVERED
I Loss or Damage to due malicious act 5,000 7,500 7,500 7,500 10,000
II Cleaning Services 500 750 750 750 750
III Repair or Replacement of doors, locks, access card and keys 500 750 750 750 1,000
IV Breakage of Plate Glass 500 750 750 750 1,000
V Plumbing, drainage, air-conditioning and toilet malfunction 500 750 750 750 1,000
SECTION C – ADDITIONAL COVERAGE
I Theft or burglary by tenant 500 750 750 750 1,000

*Please refer to the schedule of benefits and its full features in the policy contract.
*Duration of cover is one (1) year.

The total premium amount you will have to pay depends on the sum insured that you purchase.

The Annual Premium shown below is subject to 6% of Service Tax and RM 10 of Stamp Duty.

Premium payment can be made via Credit Card/Debit Card and Online Banking.

Plan Types ANNUAL PREMIUM (RM)
Plan 1 199
Plan 2 390
Plan 3 680
Plan 4 1,100
Plan 5 1,550