{"id":5607,"date":"2025-03-27T04:47:02","date_gmt":"2025-03-27T04:47:02","guid":{"rendered":"https:\/\/fmos.org.my\/?p=5607"},"modified":"2026-04-29T15:36:59","modified_gmt":"2026-04-29T07:36:59","slug":"extended-warranty-breach-of-vehicle-service-intervals","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/en\/extended-warranty-breach-of-vehicle-service-intervals\/","title":{"rendered":"Extended Warranty \u2013 Breach of Vehicle Service Intervals"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Sue\u2019s vehicle air conditioning malfunctioned, and her insurance company repudiated her extended warranty claim because the service intervals\/ maintenance of the vehicle were breached.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>FINDINGS<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although there was a breach in the service\/maintenance of the vehicle, it occurred only once due to the Movement Control Order (MCO), which prevented the vehicle owner from servicing the vehicle at the nearest service centre in the neighbouring state.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The pandemic was an unprecedented event that caused the vehicle owner to breach the vehicle\u2019s service. In this respect, the insured did not deliberately fail to service the vehicle on time. Bank Negara Malaysia\u2019s Guidelines on Claims Settlement Practices state that an insurer should not repudiate a claim based on technical breaches that are not material or unconnected to the loss unless the breach has prejudiced the insurer\u2019s interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We also find no evidence linking the breach and the cause of the air conditioning malfunction. There must be a causal link between the breach and the loss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>OUTCOME<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The case manager issued a recommendation in favour of Sue. However, the insurer rejected and referred the case for Adjudication. The Ombudsman assessed the dispute and concurred with the case manager\u2019s recommendation, ultimately deciding in Sue\u2019s favour.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sue\u2019s vehicle air conditioning malfunctioned, and her insurance company repudiated her extended warranty claim because the service intervals\/ maintenance of the vehicle were breached. FINDINGS Although there was a breach in the service\/maintenance of the vehicle, it occurred only once due to the Movement Control Order (MCO), which prevented the vehicle owner from servicing the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5409,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-5607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies","category-insurance-takaful"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Extended Warranty \u2013 Breach of Vehicle Service Intervals - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/en\/extended-warranty-breach-of-vehicle-service-intervals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Extended Warranty \u2013 Breach of Vehicle Service Intervals - FMOS\" \/>\n<meta property=\"og:description\" content=\"Sue\u2019s vehicle air conditioning malfunctioned, and her insurance company repudiated her extended warranty claim because the service intervals\/ maintenance of the vehicle were breached. 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