Terms and Conditions

Terms and Conditions

What you should know when surfing our website

Conditions of Use

The information contained in this website is intended for the use of Singapore residents only and for companies doing business in Singapore. By using this website and all others owned and maintained by Liberty Insurance, you agree to the following terms and conditions so please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes, and we suggest that you periodically visit this page to review the most recent Terms and Conditions. If you decide to purchase insurance products or services from Liberty Insurance, the terms and conditions specified in your policy or agreement with Liberty Insurance will apply. All references to "Liberty Insurance" refer to Liberty Insurance Pte Ltd.


Restrictions on Use of Materials

This website is owned and operated by Liberty Insurance Pte Ltd. Except as otherwise expressly permitted in writing by Liberty Insurance, no materials from this website or any website owned, operated, licensed or controlled by Liberty Insurance may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. You may download material displayed on this website for your personal use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without Liberty Insurance's prior written permission.


Trademarks & Copyright

All trademarks, services marks, trade names, logos, icons and domain names located on this website are the property of Liberty Insurance, Liberty Mutual Insurance Company or their respective licensors. Nothing contained on the website should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon and domain name displayed on this website without the prior written permission of Liberty Insurance or the third party that may own such marks or names displayed on this website. Your use of the trademarks, service marks, trade names, logos, icons and domain names displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, Liberty Insurance or its licensors. The use of these images by you, or anyone else authorised by you, except as provided herein, is strictly prohibited. Any unauthorised use of trademarks, services marks, trade names, logos, icons, domain names or the images displayed on this website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.


Links to Other Websites

This website is hyperlinked to other websites which are not maintained or controlled by Liberty Insurance. Liberty Insurance is not responsible for those websites or the content of those websites. The inclusion of any hyperlinks to such websites does not imply approval of or endorsement by Liberty Insurance of those websites, their content or their products and services. If you have difficulty linking to any hyperlinked websites or to report a dead (non-working) link, please send us an e-mail at webmaster@libertyinsurance.com.sg.



This website and all the materials, information and descriptions contained on it are provided on an “as is” and “as available” basis only, for general informational purposes, and you use them at your own risk. Our website is not intended to provide complete descriptions of all terms, exclusions, and conditions applicable to every insurance product or service offered by Liberty Insurance. Liberty Insurance makes no representations or warranties of any kind whatsoever that the information and materials contained on our website are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. Liberty Insurance also does not represent or warrant in any way that the website will operate error-free or is free from viruses, worms, Trojan horses or other destructive or harmful code or that the transactions or communications made through this website shall at all times be secure, confidential, authentic or uncorrupted. To the maximum extent permissible by law, Liberty Insurance and its related companies, directors, officers, and employees assume no responsibility, and shall not be liable for, any loss or damage, costs or expenses, including without limitation damage to your computer equipment or other property, incurred or suffered as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising out of or in connection with any delay in or failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.


To the maximum extent permissible by law, Liberty Insurance disclaims all warranties, express or implied, including, but not limited to, implied warranties of satisfactory quality, merchantability or fitness for a particular purpose or non-infringement.


Limitation of Liability

To the maximum extent permitted by law, Liberty Insurance and its related companies, directors, officers, and employees shall not be liable to you for any loss or damage, costs or expense, of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental loss or damage, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Exemptions of implied warranties may not be allowed in all jurisdictions.


Jurisdictional Issues

Liberty Insurance makes no representation that all insurance products and services on this website are appropriate or available for use in your country. Some insurance products and services may not be available in all countries or jurisdictions. If you choose to access this website, you do so on your own initiative and are responsible for compliance with any applicable laws. The information contained on this website is not an offer to sell or a solicitation to buy, any insurance product or service. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. The use of this website will be governed and construed in accordance with the laws of the Republic of Singapore. You hereby submit to the non-exclusive jurisdiction of the courts of the Republic of Singapore.



Please review Liberty Insurance’s INTERNET PRIVACY POLICY. The INTERNET PRIVACY POLICY explains what personal data Liberty Insurance may collect from you on our website and how we will use and disclose such personal data.


Specific Terms and Conditions

Access or use of certain pages or parts of this website may be subject to specific terms of use. In case of a conflict between these terms and conditions and the specific terms of use, the specific terms of use shall prevail over these terms and conditions.


Company Information

The term “Liberty Insurance” as used in this website refers to Liberty Insurance Pte Ltd which has a principal place of business at One Raffles Quay #25-01 North Tower Singapore 048583.

The websites of other Liberty Mutual Group companies may be hyperlinked to this website and may contain separate Terms and Conditions for Use and separate Privacy Statements applicable to those websites. They can be reviewed on the specific websites.