Introduction
Every year, Malaysia faces floods, landslides, and strong storms — and they don’t just cause damage, but financial stress too. Many car owners are caught off guard when they realize their insurance policy don’t actually cover natural disasters.
If you have the right insurance protection, however, you won’t need to pay for all those repair costs yourself.
1. What Kind of Natural Disasters Are Covered
Standard car insurance doesn’t usually cover natural disasters — that coverage comes from the Special Perils add-on.
This add-on protects your car from:
- Floods
- Storms, typhoons, hail
- Landslides, falling trees, or ground subsidence
If your vehicle is damaged by water or storm debris, the repair costs can be claimed as long as you report it within the allowed timeframe.
2. Benefits of Having Natural Disaster Coverage
(a) Reduces Major Losses
Repairing flood damage can cost thousands. Insurance helps absorb that loss.
(b) Faster Assistance
You can file a claim immediately without waiting for government aid.
(c) Peace of Mind During Monsoon Season
For flood-prone states like Kelantan, Pahang, or Johor, this add-on is a must-have each year.
3. How to Check If Your Policy Covers Natural Disasters
Many drivers don’t realize their current policy doesn’t include “Special Perils.”
To check:
- Visit BJAK.my and enter your car plate number.
- Check if “Special Perils” appears in your coverage list.
- If not, you can easily add it when renewing your insurance.
Tip: BJAK automatically shows add-on options during quotation so you can compare plans with or without natural disaster coverage.
4. What to Do If Your Car Is Affected
If your vehicle is damaged during a flood or storm:
- Don’t start the engine.
- Take photos of the car and surroundings.
- Report the incident to your insurer or through BJAK.
- A tow truck will be sent to an authorized workshop for assessment.
Conclusion
Natural disasters are unpredictable, but your financial loss doesn’t have to be. With the right insurance — especially with the Special Perils add-on — you can stay protected and stress-free even during bad weather.
Renew or check your coverage through BJAK to easily add disaster protection online — fast, secure, and hassle-free.
Read More:
How To Compare Car Insurance Prices
