Introduction
You may wonder, should you take Strike, Riot & Civil Commotion (SRCC) coverage for your car? SRCC is a car insurance add-on that protects against damage from riots, strikes, or uncontrolled public gatherings. While such events are rare, repair costs can easily reach thousands of ringgit. This article explains when SRCC is relevant and how it can save you money.
1. What SRCC Covers
SRCC add-on protects against:
- Damage from riots, strikes, protests, or public disturbances
- Large-scale vandalism not included in standard insurance
- Panel, glass, or engine damage caused by malicious third-party acts
Note: SRCC is different from minor vandalism — small acts of vandalism are usually covered by comprehensive policies.
2. When You Should Take Strike, Riot & Civil Commotion Coverage
Consider SRCC if:
- You live or park in areas prone to demonstrations or riots
- You own a new or high-value car and want to avoid costly repairs
- Your car is often parked in public locations with third-party risk
Tip: Even though such incidents are uncommon, repair costs from riots can exceed RM5,000–10,000. A small premium for SRCC is worth the protection.
3. How to Choose the Right SRCC Add-On
- Check coverage – Make sure it covers panels, glass, and third-party damage.
- Compare premiums – SRCC typically adds a small extra cost but protects against thousands of ringgit in potential damage.
- Combine with NCD & Agreed Value – Keep your NCD safe and protect your car’s value after a claim.
4. Extra Tips for Drivers
- Park in safer locations during protests or large gatherings.
- Take photos before leaving your car as evidence of its condition.
- Know your policy: SRCC only applies if incidents are correctly categorized.
Conclusion
So, should you take Strike, Riot & Civil Commotion (SRCC) coverage? Even though these events are rare, SRCC is a small but highly useful add-on. With proper coverage and the combination of NCD and Agreed Value, drivers can be confident their car is protected from expensive third-party damage.
Read More:
Car Insurance Tips for Drivers Under 25
