How Car Insurance Protect Against Flood Damage

Rainy season, or those sudden “flash floods” in the city — every car owner dreads it. Rising water can wreck your engine, wiring, even the whole interior. Repairs? Easily thousands of ringgit. The big question is: does your car insurance Protect Against Flood Damage or not?

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Does Every Policy Cover Floods?

Quick answer: no. A standard comprehensive policy does not automatically cover flood damage. To get protection, you’ll need to add special perils coverage.

What Is Special Perils Coverage?

Special perils is an add-on that usually includes:

Floods – Both flash floods and river overflow.
Storms & Typhoons – Damage from falling trees or strong winds.
Landslides & Earthquakes – Rare, but included in the package.

Extra Cost for Flood Coverage

Special perils usually costs around 0.2% – 0.5% of the insured value (sum insured). Example:

Car value RM30,000 → Extra premium ± RM60 – RM150 per year.
Car value RM60,000 → Extra premium ± RM120 – RM300 per year.

Comparison: Standard vs With Special Perils

Policy Type	What’s Covered	Flood Protection?	Premium Cost
Comprehensive (Standard)	Accident, theft, fire	No	Basic premium
Comprehensive + Special Perils	Above + flood, storm, landslide	Yes	Basic + add-on
Third Party Only	Third-party liability only	No	Cheapest

How To Claim Flood Damage

Take Photos – Proof of damage & flood condition.
Contact Insurer – Report damage immediately.
Send to Panel Workshop – Claims only approved via authorized workshops.
Fill in Claim Form – Attach photos and documents.
Wait for Approval – Insurer evaluates and processes payment.

FAQ

1. Does a standard comprehensive policy cover flood damage?
No, unless you’ve added special perils coverage.

2. Can all cars get special perils add-on?
Yes, most insurers offer it, but the premium depends on your car’s value.

3. What if the car is a total loss from flood?
With special perils, you can claim based on market value or sum insured.

Conclusion

Floods can be a nightmare when it comes to cars. Without coverage that Protect Against Flood Damage, you’re on your own for the repair bills. The extra cost might look small, but it can save you big when disaster strikes. Don’t wait until your car is underwater — check your policy now.