Why Perisai Legal

What Sets Our Insurance Advisory Apart

Choosing an insurance law adviser is a considered decision. Here is what characterises our approach — and why the distinction matters when navigating insurance matters in Malaysia.

Back to Home

Our Competitive Advantages

Six Reasons Clients Choose Perisai Legal

Independent Counsel

We act only for clients. We have no relationship with any insurer, broker, or financial institution that could create a conflict of interest in the advice we provide.

Regulatory Depth

Our practice is built specifically around Malaysian insurance law — the FSA 2013, IFSA 2013, and Bank Negara Malaysia guidelines — rather than treating insurance as a peripheral area within a broader practice.

Plain-Language Delivery

Every engagement produces written advice in accessible language. Clients receive a structured summary they can use in discussions with insurers, brokers, or senior management — not a dense legal opinion written for other lawyers.

Takaful & Conventional Scope

We advise on both conventional insurance and takaful products with equal depth. This dual competency is relevant for Malaysian businesses and individuals who hold a mix of product types.

Defined Timelines

Our services carry stated delivery timelines: claim advisory within one to two weeks, policy review within two to three weeks. Clients know what to expect before work commences and are not left waiting indefinitely for an update.

Transparent Fees

Fees are disclosed upfront by service type, starting from RM 650 for claim advisory, RM 1,500 for policy review, and RM 3,200 for dispute litigation. Each engagement is scoped before commencement, with no unexpected additions.

In Depth

How Each Advantage Serves You

Professional Expertise in Insurance Law

Insurance law is a specialist field. It involves statutory interpretation of the Financial Services Act 2013 and Islamic Financial Services Act 2013, close reading of policy wordings, and an understanding of how Bank Negara Malaysia's guidelines interact with those documents.

Our practitioners have been working in insurance law since 2009 and hold current Annual Practising Certificates from the Malaysian Bar Council. We have advised on hundreds of insurance matters, from straightforward claim filings to complex multi-party disputes.

Structured Methodology for Each Service

Each service at Perisai Legal follows a defined methodology. Claim advisory begins with policy review and claim strategy; policy review begins with an exposure assessment before the documents are examined. Dispute matters begin with a litigation risk assessment before any forum is selected.

This approach prevents work from beginning in the wrong direction and ensures that the time and cost of each engagement is applied where it will have the most impact.

Client Communication That Respects Your Time

We respond to client correspondence within one working day and provide substantive updates at agreed intervals. At the conclusion of each engagement, clients receive a written document they can retain and reference — not just a verbal briefing.

We also make it straightforward to ask questions without feeling that every exchange generates additional fees. Clarity for the client is part of what we are engaged to deliver.

Fee Transparency and Engagement Clarity

Legal fees can be a source of uncertainty. At Perisai Legal, the starting fee for each service is disclosed before engagement commences, and the scope of work is agreed in writing. Where additional scope arises, this is flagged before additional fees are incurred.

This approach is particularly valued by clients who have previously worked with advisers where the final invoice bore little resemblance to the initial estimate.

A Track Record of Useful Outcomes

Since 2009, we have advised on more than 900 insurance matters, covering claim advisory, policy review, FMB proceedings, arbitration, and court litigation. Our clients include individuals with personal insurance claims, owner-managed businesses reviewing their commercial portfolios, and companies navigating significant dispute proceedings.

A successful outcome for us means a client who understood the matter clearly, made a well-informed decision, and — where a claim or dispute was pursued — received competent representation throughout.

How We Compare

Perisai Legal vs. Typical Advisers

A straightforward comparison of what distinguishes a dedicated insurance law practice from more general alternatives.

Aspect	Typical Advisory	Perisai Legal
Dedicated to insurance law
Covers takaful and conventional policies
Plain-language written advice
Defined delivery timelines per service
Fees disclosed before engagement
FMB proceedings experience
Independent — no insurer affiliations
Litigation risk assessment before proceedings

Included Not typically offered Varies by provider

Distinctive Features

What Only Perisai Legal Offers

The Claim Strategy Brief

Every claim advisory engagement includes a Claim Strategy Brief — a structured document outlining the policy position, claim merit assessment, documentation checklist, and recommended approach. This is produced before any correspondence is sent to the insurer.

The Coverage Gap Report

Policy review engagements conclude with a Coverage Gap Report in plain language — identifying areas of exposure that the current policy does not address and providing specific endorsement language that could be requested at next renewal. This document is yours to retain and use in broker discussions.

Forum Selection Analysis

For every dispute engagement, we produce a written Forum Selection Analysis before proceedings commence. This sets out the FMB, arbitration, and court options available, with a timeline and cost estimate for each — so clients choose their path with a clear view of what each involves.

Post-Engagement Policy Guidance

Clients who complete a policy review or claim advisory engagement receive a brief follow-up note at annual renewal time — identifying whether their circumstances have changed in a way that warrants a policy update. This ongoing attention comes at no additional fee.

Recognition

Milestones and Professional Standing

Years in Practice

Established 2009 in Kuala Lumpur

900+

Matters Handled

Across claims, reviews, and disputes

45+

FMB Proceedings

Financial Mediation Bureau referrals

Qualified Solicitors

Malaysian Bar Council members

Malaysian Bar Council Membership

All practitioners hold current Annual Practising Certificates and are members in good standing with the Malaysian Bar.

Best Insurance Law Advisory — 2023

Recognised by the Asian Legal Business Malaysia Awards for insurance law advisory practice.

Kuala Lumpur Bar Committee

Active participation in the KL Bar's insurance law working group since 2015.

Ready to Discuss Your Insurance Matter?

We are available for initial consultations on insurance claims, policy coverage questions, and disputes. Contact us to arrange a call or meeting at our Kuala Lumpur office.

Contact Perisai Legal