As climate change continues to impact our world, natural disasters are becoming more and more common. Recent torrential rains have caused havoc in many parts of the world, and Malaysia is no exception. In January this year, flash floods wreaked havoc in Johor and Pahang due to 430mm of rain in 24 hours. In the previous year, various parts of Kuala Lumpur were affected by heavy downpours, damaging roads and many vehicles. This is a reminder for vehicle owners just how important to get car insurance for natural disasters.
But that’s not all; heavy rains increase the chances of landslides happening too and cause more damage to our lives. It’s a scary reminder of how unpredictable and destructive nature can be. So, let’s get into this article and find out how you can get your car protected against natural disasters.
Is natural disaster damage covered by car insurance?
Natural disasters can be unpredictable, they can cause irreparable damage in a matter of seconds. For car owners, it’s essential to understand that car insurance doesn’t cover flood or natural disaster damages. Imagine losing your car to a flash flood or other unexpected event, only to find out your insurance won’t cover the damages. It’s a scary thought, but there is a solution: special perils cover.
Adding this coverage to your policy can provide peace of mind, knowing you have protection in case the worst happens. Don’t leave your car’s fate to chance – take action today and ensure you have the coverage you need to weather any storm.
Special perils cover
By adding special perils coverage to your car insurance policy, you can rest assured that you’ll be protected in case of natural disasters. With this coverage, you won’t have to worry about any damage to your vehicle caused by natural disasters.
If you do decide to make a claim with special perils coverage, be aware that your No Claim Discount (NCD) will be reset to 0%. Also, you might face a higher insurance premium next year.
However, keep in mind that you’ll need to have comprehensive coverage in order to be eligible for this extra protection.
How much does it cost?
Don’t stress about the cost of special perils cover because it won’t break the bank, especially when compared to the hefty cost of repairing your car after a natural disaster. Typically, you’ll only need to pay an extra 0.5% of the total insured value of your car to have this added protection.
Remember to compare prices among insurance companies to find the best deal for you.
Will special perils cover be worth it for you?
One answer – YES! The unpredictability of natural disasters, and the recent natural disasters have reminded us of this. You should always prepare for the worst.
Thankfully, you can protect yourself and your vehicle by purchasing special perils cover. It’s a small investment that you make once a year when you renew your insurance. Remember, you will have to bear colossal expenses if a natural disaster damages or loses your car, and the cost of this protection is small in comparison.
Do not risk it
In conclusion, if you own a car, you must have a valid insurance policy – it’s the law! But don’t just settle for any old policy, go for comprehensive coverage if you qualify and add the special perils cover for extra security. That way, if a natural disaster like a flood strikes and damages your car, it won’t leave you high and dry.
Your insurer will have your back, and you’ll be able to claim for the damages. So, protect yourself and your car – it’s better to be safe than sorry!
Bjak is one of Malaysia’s biggest insurance comparison sites, with more than 10 insurance brands to choose from. Get your free insurance quote at Bjak today!
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