{"id":22947,"date":"2022-02-14T17:22:25","date_gmt":"2022-02-14T09:22:25","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=22947"},"modified":"2022-02-28T20:55:20","modified_gmt":"2022-02-28T12:55:20","slug":"take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low","title":{"rendered":"Take-Up Rate for Special Perils Cover Among Vehicle Owners Is Still Low"},"content":{"rendered":"\n<p>Are you a vehicle owner? If so, have you covered your vehicle with <a href=\"https:\/\/bjak.my\/blog\/car-insurance-add-on-special-perils-cover\/\">special perils coverage<\/a>? You have taken the right action if you have purchased special perils cover. <\/p>\n\n\n\n<p>Looking at the unpredictable weather, no one is spared from unexpected incidents. For instance, <a href=\"https:\/\/bjak.my\/blog\/tree-crashes-down-on-two-cars-at-red-light\/\">a tree may crash on a car at a traffic light<\/a>, <a href=\"https:\/\/bjak.my\/blog\/5-vehicles-damaged-by-landslip\/\">a landslide can happen on the road<\/a>, or <a href=\"https:\/\/bjak.my\/blog\/5-tips-to-save-your-submerged-car-in-floods\/\">a flood can inundate a vehicle<\/a>. <\/p>\n\n\n\n<p>Therefore, it is crucial that you prepare yourself by getting special perils cover for your vehicle to avoid loss in a natural disaster. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d7f481ab2a4\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7f481ab2a4\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low\/#Low_take-up_of_special_perils_cover_among_vehicle_owners\" title=\"Low take-up of special perils cover among vehicle owners\">Low take-up of special perils cover among vehicle owners<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low\/#Awareness_of_getting_special_perils_cover_is_expected_to_rise\" title=\"Awareness of getting special perils cover is expected to rise\">Awareness of getting special perils cover is expected to rise<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low\/#Key_points_regarding_special_perils_cover\" title=\"Key points regarding special perils cover\">Key points regarding special perils cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low\/#Get_the_best_insurance_coverage_for_your_vehicle\" title=\"Get the best insurance coverage for your vehicle\">Get the best insurance coverage for your vehicle<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"low-take-up-of-special-perils-cover-among-vehicle-owners\"><span class=\"ez-toc-section\" id=\"Low_take-up_of_special_perils_cover_among_vehicle_owners\"><\/span>Low take-up of special perils cover among vehicle owners<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"22988\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low\/attachment\/image-2-gambar-kereta-ditenggelami-banjir-gambar-kereta-dimasuki-air-banjir_ccexpress\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"Special perils cover protects your car against loss or damage caused by natural disasters such as floods and landslides\" class=\"wp-image-22988\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir_ccexpress.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Sadly, many vehicle owners are not prepared for unexpected events like natural disasters. When renewing their insurance, many do not add additional special perils cover to their <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Comprehensive_insurance\">comprehensive insurance<\/a>.<\/p>\n\n\n\n<p>According to a recent report by <a href=\"https:\/\/www.bharian.com.my\/bisnes\/auto\/2022\/02\/919822\/hanya-11-peratus-pemilik-kereta-ambil-perlindungan-bencana\">Berita Harian<\/a>, Allianz General Insurance Company (Malaysia) Berhad revealed that <strong>only 11% or approximately 123,000 out of 1.11 million of its customers purchased special perils coverage as part of their private car comprehensive cover in 2021<\/strong>.<\/p>\n\n\n\n<p>Not having special perils coverage can be detrimental to vehicle owners. If their vehicles suffer damages due to natural disasters, they cannot make an insurance claim, and therefore, must use their own pocket money to repair the damages.<\/p>\n\n\n\n<h2 id=\"awareness-of-getting-special-perils-cover-is-expected-to-rise\"><span class=\"ez-toc-section\" id=\"Awareness_of_getting_special_perils_cover_is_expected_to_rise\"><\/span>Awareness of getting special perils cover is expected to rise<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Despite the low take-up of special perils cover among vehicle owners, Allianz General Chief Executive Officer Sean Wang said that <strong>the company saw a take-up rate of 22% or approximately 15,000 out of 68,000 customers for new policies and renewals between January 1 to 17, 2022<\/strong>. The increase was in the wake of the <a href=\"https:\/\/bjak.my\/blog\/flash-floods-2021-states-affected-assistance-and-insurance-claims\/\">flood disaster<\/a> last year that hit several states in Malaysia. <\/p>\n\n\n\n<p>He said the car owners were aware that the recent floods revealed the country\u2019s shortcomings in disaster response and urban planning. The tragedy also raised questions regarding insurance coverage and whether the people were underinsured. <\/p>\n\n\n\n<p>\u201cIn Malaysia, we have options when it comes to insurance products and how we purchase insurance. So, it is not a question of being underinsured. <\/p>\n\n\n\n<p>&#8220;However, we are guilty of choosing to forgo flood cover (home insurance), windscreen or even special perils cover (protection against landslide, flood, and other convulsions of nature) when buying car insurance, all in favour of a cheaper policy. <\/p>\n\n\n\n<p>&#8220;This is what leaves Malaysians underinsured,\u201d said Sean Wang.<\/p>\n\n\n\n<h2 id=\"key-points-regarding-special-perils-cover\"><span class=\"ez-toc-section\" id=\"Key_points_regarding_special_perils_cover\"><\/span>Key points regarding special perils cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here is some information regarding special perils cover that you should know:<\/p>\n\n\n\n<ol><li>Coverage against natural disasters is referred to as special perils cover in insurance. <\/li><li>This protection covers vehicle damage or loss due to natural disasters such as floods, fallen trees and other convulsions of nature.<\/li><li>This additional coverage will compensate you in the event of a car loss or damage due to natural perils.<\/li><li>This add-on protection covers the claim payout and repair cost of your car damaged by natural perils.<\/li><li>You will usually have to pay an additional 0.5% of the <a href=\"https:\/\/bjak.my\/blog\/car-sum-insured-market-value-vs-agreed-value\/#What_is_sum_insured\">sum insured for your car<\/a>. However, the additional premium varies across insurers. You can find the <a href=\"https:\/\/bjak.my\/blog\/car-insurance-add-on-special-perils-cover\/#How_much_do_you_have_to_pay_for_special_perils_cover\">premiums for special perils coverage<\/a> offered by a few selected insurers in our past article.<\/li><li>You can only purchase special perils cover if you buy comprehensive insurance.<\/li><li>After you make an insurance claim under special perils cover, your <a href=\"https:\/\/bjak.my\/blog\/a-guide-to-no-claim-discount-ncd\/#:~:text=NCD%20is%20a%20form%20of,lowering%20your%20car%20insurance%20premium.\">No Claim Discount (NCD)<\/a> will return to 0%. However, getting this cover will benefit you more as without it, you cannot make an insurance claim for vehicle damage due to natural disasters. <\/li><\/ol>\n\n\n\n<h2 id=\"get-the-best-insurance-coverage-for-your-vehicle\"><span class=\"ez-toc-section\" id=\"Get_the_best_insurance_coverage_for_your_vehicle\"><\/span>Get the best insurance coverage for your vehicle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It is advisable that you get <a href=\"https:\/\/bjak.my\/blog\/car-insurance-add-on-special-perils-cover\/#How_much_do_you_have_to_pay_for_special_perils_cover\">special perils coverage<\/a> when renewing your insurance with a <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Comprehensive_insurance\">comprehensive plan<\/a>.<\/p>\n\n\n\n<p>Unexpected natural disasters can happen without warning. Therefore, you should secure sufficient protection for your vehicle to avoid loss and regret in unfortunate events.<\/p>\n\n\n\n<p>Simply use Bjak to get the best comprehensive insurance plan. You can choose from 15 insurance providers. <a href=\"https:\/\/bjak.my\/blog\/how-to-renew-car-insurance\/#Renew_car_insurance_online_through_insurance_comparison_sites\">Renew your car insurance online<\/a> if yours is expiring, and add special perils cover to your policy for increased protection. Start by getting your <a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free car insurance quotes<\/a> today. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Special perils cover provides protection for vehicle damage due to natural disasters such as floods and other convulsions of nature. <\/p>\n","protected":false},"author":5,"featured_media":23044,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[59,981],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Take-Up Rate for Special Perils Cover Among Vehicle Owners Is Still Low | BJAK<\/title>\n<meta name=\"description\" content=\"Special perils cover provides protection for vehicle damage due to natural disasters such as floods and other convulsions of nature.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Take-Up Rate for Special Perils Cover Among Vehicle Owners Is Still Low | BJAK\" \/>\n<meta property=\"og:description\" content=\"Special perils cover provides protection for vehicle damage due to natural disasters such as floods and other convulsions of nature.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/take-up-rate-for-special-perils-cover-among-vehicle-owners-is-still-low\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-14T09:22:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-28T12:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/46496.jpg?fit=1600%2C1013&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1013\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nur Adilah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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