Introduction
SRCC (Strike, Riot & Civil Commotion) is a car insurance add-on that protects against damage caused by third-party actions during riots, strikes, or demonstrations. Although such events are rare, repair costs from SRCC incidents can reach thousands of ringgit. This article explains when the SRCC add-on is worth considering for your vehicle.
1. What Is SRCC and Its Coverage
The SRCC add-on covers:
- Damage from riots, strikes, or civil commotion
- Large-scale vandalism not included in standard insurance
- Damage to panels, windows, or car components caused by third-party malicious acts
Note: SRCC is not the same as minor vandalism; it covers large-scale or uncontrollable events.
2. Who Should Consider SRCC Add-On
- Owners of expensive or new cars who want to protect their investment
- Drivers who park in public areas with potential demonstrations or riots
- Vehicles frequently in locations at risk of third-party damage
Tip: A small additional premium for SRCC can protect your car from thousands of ringgit in losses.
3. How to Choose the Right SRCC Add-On
- Check coverage – Ensure panels, windows, and critical components are protected
- Compare premium and benefits – SRCC add-ons are usually inexpensive but protect against high repair costs
- Combine with NCD & Agreed Value – Ensure your NCD remains safe after filing an SRCC claim
4. Additional Tips
- Park in safe areas during demonstrations or public gatherings
- Take photos of your car’s condition before parking as evidence for claims
- Understand your policy: SRCC is only effective if the incident is correctly categorized by the insurer
Conclusion
The SRCC add-on may be rarely used, but it’s highly worth it to protect your car from losses due to third-party actions. With the right coverage and combined with NCD and Agreed Value, drivers can feel secure even when facing potential vehicle damage.
Read More:
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