Introduction
Every year, the rainy season brings the risk of flooding that can damage your car. With flood add-on protection, you can avoid major losses and safeguard your car from total loss due to engine water ingress or other damage. This article explains why flood add-on is important and how to choose the right coverage In addition to your car insurance purchase.
1. What Is Flood Add-On Protection
Flood add-on protection is an insurance add-on that covers damage to your car caused by flooding, including:
- Water entering the engine or transmission
- Electrical & wiring damage
- Repair costs for panels & interior affected by water
Note: Not all standard car insurance policies cover flood damage — this add-on provides extra protection.
2. Who Should Consider Flood Add-On
- Drivers living in high-risk flood areas
- Owners of high-value cars who want to avoid large repair costs
- Drivers frequently traveling in rural areas during the rainy season
Tip: Check the flood history of your area before purchasing the add-on.
3. How to Choose the Right Flood Add-On
- Checking your coverage – Ensure it covers engine, electrical system, and interior.
- Review coverage limits – Some add-ons only cover part of the repair costs.
- Compare cost & benefits – A slightly higher premium can save thousands of ringgit.
- Combine with Agreed Value – Safer for new or high-value cars.
4. Preventive Tips
- Avoid parking in low-lying areas during heavy rain.
- Keep your car in higher or multi-story locations if possible.
- Use early-warning apps or local flood alert systems.
Conclusion
With flood add-on protection, drivers can feel more secure during the rainy season. Furthermore, this coverage helps safeguard your car from expensive damage, provides peace of mind, and ensures repair costs don’t become a burden. Nevertheless, don’t wait for a flood to happen — prepare yourself now!
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