Introduction
Malaysia frequently faces natural disasters like floods, storms, and landslides, which can significantly affect vehicles. Many drivers are unsure what is covered and how to claim if their car is damaged by natural disasters.
This article explains natural disaster coverage for cars in Malaysia, claim requirements, and tips to ensure your car is fully protected.
1. What Is Natural Disaster Coverage
- An add-on in comprehensive insurance policies.
- Protects cars against damage caused by floods, storms, landslides, and strong winds.
- Does not cover mechanical failure or damages from accidents caused by the driver.
2. Claim Requirements for Natural Disasters
- Policy must be active at the time of the disaster.
- Car must be sent to a panel workshop approved by the insurer.
- Complete claim documents, including police report (if required), photos of damage, and repair quotation.
- Some insurers may have claim limits based on the car’s age.
3. Tips to Protect Your Car from Natural Disaster Damage
- Park in higher ground areas during heavy rain or flood seasons.
- Use a car cover to protect against rain, wind, and debris.
- Take photos of your car before flood season as proof of its condition.
- Renew insurance on time to ensure coverage does not lapse during disasters.
- Check coverage limits and BJAK add-ons before purchasing a policy.
Conclusion
Understanding natural disaster coverage for cars in Malaysia helps BJAK drivers protect their vehicles from damage caused by floods, storms, and other natural events. Taking proactive measures and ensuring your policy is active maximizes protection and simplifies the claims process.
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