Raya Engagement Contest


Terms and Conditions

1. Raya Engagement Contest (“Contest”) is organised by Liberty General Insurance Berhad (formerly known as AmGeneral Insurance Berhad)(Registration No. 197801007153 (44191-P)(“LGIB”).

2. This contest shall commence from 12 April 2024 until 30 April 2024, both dates inclusive unless notified otherwise (“Contest Period”). Liberty reserves the right to end this Contest any time earlier at its own discretion.



3. This contest is open to all Malaysian citizens or permanent residents of Malaysia with minimum age of eighteen (18) years old. To take part in this Contest, participants are required to fulfil the following requirements:

Steps to follow:

Step 1: Follow @libertyinsurancemalaysia and @kurniainsurans Instagram accounts.

Step 2: In the comment box, complete the pantun as shown below. The contest post to be shared on 12 April 2024 on Instagram.

“Raya tiba, jangan lupa,

Di jalan raya berhati-hati,

Selamat Hari Raya untuk semua,

[Your answer]”

Step 3: Share the post to their Instagram story and tag @libertyinsurancemalaysia and @kurniainsurans

(Participant’s Instagram account is required to be public for us to verify participation)

4. The fifty (50) winners will be chosen from a pool of total eligible entries from Liberty Insurance Malaysia and Kurnia Insurans Instagram page. All entries are sorted randomly, and the total number of entries are divided by fifty (50) (total prizes), rounded down to the nearest whole number to get the shortlisted entries (for examples 500 entries divided by 50 equals to 10, resulting in every 10th entry to be shortlisted. (10th, 20th, 30th, 40th, 50th…., 180th, 190th, 200th)

5. Each participant is only allowed to win once, regardless of the number of their entries. In an event the same participant is selected again, a new name will be drawn as replacement.

6. The first eligible fifty (50) participants who are shortlisted based on the total number of entries during each winner selection shall be shortlisted as the winners and will be required to perform the following steps to win the prize:

  • Verify their identity; and
  • Answer a simple question related to this Contest correctly.

7. The selected winners will be announced and published on Liberty Insurance Malaysia and Kurnia Insurans Instagram page.

8. LGIB employees are not eligible to participate in this Contest.

9. The selected winners will also be contacted by our Contact Centre’s Service Academy, Admin team or appointed contracted media agency on Instagram direct message. In the event LGIB  and Kurnia Instagram page are unable to contact the selected winners after three (3) attempts (i.e. no reply on Instagram Direct Message), LGIB  reserves the right to select from the pool of total eligible entries following the same process. LGIB will not be held liable in the event the shortlisted winners are not reachable for whatever reasons.

10. Participation by contest hunters will be strictly dismissed as it contradicts the objective of this contest. The organizers will thoroughly examine contestants based on our terms and conditions.


Contest Prizes

11. Fifty (50) winners each will be selected from contest.

12. The Prizes for this Contest are:

Type Prizes Total Giveaways
Prize RM50 Touch 'n Go e-voucher 50


13. The selected winner is responsible for ensuring that they have provided accurate information of their full name, mobile phone number and/or email address to receive the e-voucher. Should the confirmed winner decide to provide a third party’s phone number and/or email address, LGIB will not be liable for the receipt of e-voucher via the third party. The selected winners are responsible to redeem the e-voucher within the prescribed validity period of e-voucher.

14. LGIB reserves the right, as deemed fit, to substitute the prizes with another product of similar value without prior notice.

15. All prizes are not transferable, nor exchangeable for cash or credit or kind whether in part or in full.


Other General Conditions

16. Unless otherwise notified, this Contest will end at 11.59pm on 30 April 2024, and all prizes will be disbursed by 31 May 2024 (“Disbursement Period”), after which this Contest will be terminated. No further disbursements of prizes shall be made or claims against this Contest be entertained after 30 June 2024.

17. LGIB reserves the right (at its own discretion) to disqualify any participant and/or withhold or confiscate in full or part the prizes if the participant is found to be or reasonably suspected of participating in any form of fraudulent practice (including but not limited to false identities, doctoring images, willful spamming or manipulation of any of LGIB’s processes, or website).

18. Where LGIB suspects a participant is participating in any form of unlawful and/or fraudulent activity, LGIB reserves the right to report such activity or suspicion to the police or relevant authorities.

19. LGIB reserves the right to vary the terms and conditions of this Contest without any prior notice. LGIB may withdraw or discontinue this Contest at any time without giving prior notice and without incurring any liability.

20. LGIB reserves the right to change the Contest Period and/or Disbursement Period if the launch of this Contest is delayed and shall have no liability for the same.

21. Any cancellation, termination, withdrawal, or suspension by LGIB of this Contest shall  not entitle the participants to any compensation against LGIB for any reason whatsoever due to loss, claim or damage that may be suffered or incurred by the participant as a direct or indirect result of the act of cancellation, termination, withdrawal, or suspension.

22. LGIB’s determination of all matters relating to this Contest shall be final and conclusive and in the event of any inconsistency between these Contest Terms and Conditions and any marketing or promotional materials relating to this Contest, these Contest Terms and Conditions shall prevail.

23. LGIB would like to alert the Participants to take reasonable precautions when receiving any phone calls and messages requesting their personal information during and/or after this Contest. LGIB would also like to advise our valued Participants to call our Customer Centre for verification regarding this Contest.

24. By participating in this Contest, you hereby give consent for your personal data and/or information to be processed in accordance with the Personal Data Protection Act 2010 (“PDPA”). Please refer to our full Privacy Notice on www.libertyinsurance.com.my www.kurnia.com or www.amassurance.com.my for further information.

25. Eligible winners who do not receive their prizes within the stipulated timeline are advised to Direct Message our Instagram via @libertyinsurancemalaysia and @kurniainsurans.

26. These Contest terms and conditions are governed by and construed under the Laws of Malaysia.