Introduction
Monsoon season in Malaysia often brings flood risks, highlighting the flood impacts on vehicles. Beyond physical damage, floods can also affect insurance validity and roadtax if not handled properly. Drivers must promptly report flood-affected vehicles to their insurance and complete the necessary documentation to secure claim approval.
1. Flood Impact on Vehicles
Floods can damage various car components, including:
- Engine and transmission due to water ingress.
- Electrical and electronic systems, such as ECU, lights, and sensors.
- Interior parts, including upholstery and carpets.
Flood-damaged vehicles without additional protection may incur high repair costs, and some insurers may even declare them a total loss.
2. Impact on Insurance
- Comprehensive insurance usually covers flood damage but requires immediate reporting and inspection at a panel workshop.
- Low-cost or third-party plans do not cover your own damage, so drivers bear all costs.
- BJAK add-ons like Warranty or Key Care do not cover flood damage — it’s crucial to understand your policy before filing a claim.
3. Impact on Roadtax
- Roadtax remains valid as long as insurance is active.
- If insurance lapses due to damage or vehicle loss, digital or physical roadtax may become invalid.
- BJAK facilitates quick checks and renewals, ensuring roadtax stays active even after flood damage.
4. Prevention Tips & Post-Flood Actions
- Avoid driving in flood-prone areas to reduce damage risk.
- Report damages immediately to your insurance and BJAK for claims.
- Ensure all insurance and roadtax documents are current.
- Use recognized panel workshops to guarantee claims are accepted.
Conclusion
Understanding the flood impacts on vehicles helps drivers take early action. With the right policies and procedures, vehicles can be protected from significant losses. BJAK simplifies the claims process and roadtax renewal, keeping you valid and safe on the road even after flood damage.
Read More:
Last Year’s Flood – This Year’s Lessons
