Terms of Use

Legal notice

MSIG refers to the member insurers of the MS&AD Insurance Group in Southeast Asia and Hong Kong. MSIG Asia Pte. Ltd. (“MSIG Asia”) is wholly owned by Mitsui Sumitomo Insurance Co., Ltd, a member of MS&AD Insurance Group. MSIG Asia is not an insurance company and is not undertaking business on this Website. This Website is owned and operated by MSIG Asia.

Conditions of use

By using this Website, you agree to and are bound by these Terms of Use. If you do not agree to these Terms of Use, do not use this Website. MSIG Asia is entitled to change these Terms of Use at any time by updating these pages without prior notice to you.


This Website and its content are provided as a convenience and for general information purposes only. This Website with its content is provided “as is” without any representations and warranties of any kind (express or implied). MSIG Asia is not under any obligation to update or correct any errors in this Website.

MSIG Asia disclaims all representations and warranties (express or implied), to the fullest extent permissible under the law, as to the truth, accuracy, adequacy, completeness, reasonableness, fitness for purpose or merchantability of this Website with its content.

In addition to the above, MSIG Asia does not represent or warrant, in particular, the following:

  1. That access to this Website will be provided uninterrupted or free from errors, viruses or other malicious, destructive or corrupting codes, agents, programs or macros; and
  2. That any communications through this Website that you may send to MSIG Asia or MSIG Asia may send to you will be received or that the content thereof will remain confidential, secure or unmodified.

Your use of this Website is entirely at your own risk.

Limitation of liability

MSIG Asia, its associates, affiliates and subsidiaries, licensors, service providers, content providers, agents and their respective directors, officers and employees shall not under any circumstances, and regardless of any causes of action, be liable for any damages, losses, expenses, costs or any other form of compensation and/or restitution (including but not limited to, direct, indirect, incidental, special, punitive, consequential, or other damages including without limitation, loss of income, loss of profits, pain and suffering, emotional distress, even if they have been advised of the possibility of such damages) that arises or may arise from your direct or indirect use of, reliance on, or inability to use, any materials or content on this Website.


You shall indemnify, defend and hold MSIG Asia, its associates, affiliates and subsidiaries, licensors, service providers, content providers, agents and their respective directors, officers and employees, (the 'Indemnified Parties') harmless from any breach of these Terms of Use by you, including any use of content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys' fees of the Indemnified Parties in connection therewith. You will also indemnify, defend and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this Website.


This Website may contain links to other websites (“linked websites”) which are not maintained or controlled by or related to MSIG Asia. These links are provided as a convenience and general information source to you. MSIG Asia is not responsible for the content of the linked websites and does not accept any responsibility for such links and the content in the linked websites.

The links provided in this Website to other websites do not mean or imply MSIG Asia‘s approval or endorsement of such linked websites or their content.

You shall not modify, reproduce, republish, upload, post, transmit or otherwise distribute any materials in the linked websites without the prior written permission of the owners of such materials. You should be aware that the linked websites may be subject to their own Terms of Use, privacy and data protection policies.

Use of any linked websites is entirely at your own risk.


Copyright and other intellectual property rights in the whole and every part of this Website (including without limitation the content and materials therein) belong to or are licensed to MSIG Asia, and shall not be used, sold, licensed, modified, copied, reproduced, republished, posted, transmitted or distributed, in whole or in part, in any manner or form in or on any media to any person without the prior written permission of MSIG Asia.

Trademarks etc

MSIG Asia is the owner and proprietor of or has the right to use all the marks, whether service marks, trademarks or logos (“Marks”) found in this Website. You cannot use any of the Marks without the prior written permission of MSIG Asia.

Any pictures or images displayed on this Website belong to or are displayed by MSIG Asia with permission of the owners of these pictures or images. You cannot use any of these pictures or images without the prior written permission of MSIG Asia.

Information and materials provided by you

Any information or materials (except for your personal data) which you transmit to MSIG Asia through this Website will be treated as non-confidential and non-proprietary for the use of MSIG Asia at its discretion.

Products and services

Nothing in this Website shall be construed as a distribution, an offer to sell or a solicitation to buy any products and services. The information on the products and services is provided for your general information only. It does not constitute any advice (tax, financial, legal, investment, accounting or others). Not all products and services mentioned in this Website are available from MSIG and coverage may differ in different jurisdictions, subject to actual policy terms and conditions. For information on the available products and services or policy terms and conditions, please contact MSIG in your location, if any.

Restrictions on Use

You agree not to use this Website for any unlawful, fraudulent or defamatory purposes or as prohibited by these Terms of Use. This Website is for your personal and non- commercial use only. You shall not use this Website for any other purposes including without limitation commercial or public purposes, without the prior written permission of MSIG Asia.

Applicable Law and Jurisdiction

These Terms of Use shall be governed by and construed according to the laws of Singapore and you submit to the exclusive jurisdiction of the Singapore Courts, unless otherwise agreed by MSIG Asia in writing.