Practice Areas
Three services. One discipline.
Lindung Legal offers three focused insurance law services, each designed around a specific type of matter and client.
Back to HomepageOur Approach
The policy document first, always.
Every matter at Lindung Legal begins in the same place: the policy document. Whether the engagement is a policyholder's disputed claim, an insurer's subrogation recovery, or a coverage opinion, the analysis starts with a careful reading of what the policy actually says — the wording, the schedule, the conditions, and the endorsements read together.
This approach takes time. It also produces advice that is grounded in the actual terms governing the dispute, rather than in assumptions about what a policy of that type typically contains. Insurers sometimes rely on exclusions that do not, on a close reading, apply to the facts. Policyholders sometimes assume coverage that the policy conditions have qualified.
Policy Analysis
Recovery Pursuit
Regulatory Advisory
Written Advice
Service 01
Policyholder Disputes & Claim Recoveries
A dedicated practice for policyholders — individuals, SMEs, and corporates — facing disputed or declined claims under motor, property, marine, fire, liability, medical, and life policies. The engagement begins with a careful reading of the policy wording, the claim history, and the insurer's reasoning for declinature, after which a considered view is provided on the merits of the dispute and the realistic pathway forward.
What is included
- Full policy wording review — main policy, schedule, endorsements, and conditions
- Analysis of the insurer's declinature letter against the applicable exclusion or condition
- Written advice on merits and realistic recovery pathway
- Structured correspondence with the insurer as the first pathway
- Financial Mediation Bureau complaint where within their jurisdictional limits
- Contested court proceedings under FSA 2013 where warranted
Engagement steps
Submit matter description, policy reference, and claim correspondence through the enquiry form
Receive written initial view within one working day on whether the matter is within scope
Fee letter issued describing the scope and basis of charges for the engagement
Full policy and claim analysis, with a written advice note on merits and options
Correspondence, FMB or court proceedings as agreed with the client at each stage
From RM 1,850
Service 02
Subrogation, Recovery & Third-Party Claims
A practice for insurers and corporate risk managers pursuing subrogated recoveries against responsible third parties — typically road-accident, fire, water damage, and cargo matters. Scope includes evidence collection review, limitation analysis, demand correspondence, and, where recovery cannot be achieved by negotiation, suit and enforcement.
What is included
- Review of the insurer's paid claim file and evidence supporting the subrogation right
- Limitation analysis — identifying the applicable period and any interruption or extension
- Demand correspondence addressed to the responsible party or their insurer
- Suit and enforcement where negotiated recovery is not achieved
- Monthly recovery reporting — matter status and financial progress for finance team visibility
Engagement steps
Instruction with claim file — paid claim summary, policy, evidence of third-party liability
Limitation and evidence review — written note on strength of recovery and recommended pathway
Staged fee letter — fees aligned to matter stages so cost exposure is clear at each point
Demand correspondence and negotiation — recovery by agreement where achievable
Suit, judgment, and enforcement — where negotiated resolution is not reached
From RM 4,350
Service 03
Coverage Opinions & Regulatory Advisory
A considered advisory service for policy wording drafting and review, coverage opinions on specific claim scenarios, and support on regulatory matters before Bank Negara Malaysia for licensed insurers and takaful operators. Scope extends to advisory on intermediaries and broker arrangements, distribution agreements, and compliance with conduct of business rules.
What is included
- Policy wording drafting and review — identifying ambiguities, inconsistencies, and coverage gaps
- Written coverage opinion on specific claim scenarios — for underwriting, reserving, or dispute decisions
- BNM regulatory submissions and compliance advisory for licensed insurers and takaful operators
- Intermediary and broker arrangement advisory — distribution agreements and conduct obligations
- Agreed hourly cap — total fee exposure is fixed before instructions proceed
Engagement steps
Submit the matter description — the specific question, policy, and any relevant correspondence
Initial view within one working day on scope and whether senior counsel is available
Fee letter with agreed hourly cap — total exposure fixed before work begins
Research, analysis, and drafting — by senior counsel with Malaysian insurance market familiarity
Delivery of written opinion or revised wording, with explanatory note on reasoning
From RM 5,650
Which Service Fits
Choosing the right engagement
| Feature | Policyholder Disputes |
Subrogation & Recovery |
Coverage & Regulatory |
|---|---|---|---|
| Suitable for individuals & SMEs | |||
| Suitable for insurers & corporates | |||
| Involves a declined or disputed claim | |||
| Involves recovering from a responsible third party | |||
| Involves a policy wording or coverage question | |||
| Involves BNM regulatory compliance | |||
| Starting fee | RM 1,850 | RM 4,350 | RM 5,650 |
Not certain which service applies to your matter? Submit a short description through the enquiry form — we will indicate which engagement type is appropriate.
Shared Standards
Across all three practice areas
Confidentiality
All matter information is held under lawyer-client privilege and the confidentiality obligations of the Legal Profession Act 1976. Conflict checks are completed before each engagement.
Written Advice
Substantive advice is always delivered in writing. Initial enquiries receive a written response within one working day.
Fee Transparency
A fee letter is issued before substantive work begins. No additional costs without prior written agreement.
Timely Updates
Clients are updated on material developments. Subrogation clients receive monthly reporting as standard.
Bar Admission
All practitioners are admitted advocates and solicitors of the High Court of Malaya with current Practising Certificates.
Plain Language
Technical insurance and legal terms are explained on first use. Correspondence is precise and readable without unnecessary complexity.
Send us your matter today
A short description is enough to begin. We will respond in writing with an initial view on which service applies and whether your matter is within our scope.
Submit an Enquiry