{"id":37233,"date":"2023-05-05T11:17:50","date_gmt":"2023-05-05T03:17:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=37233"},"modified":"2025-09-17T14:36:13","modified_gmt":"2025-09-17T06:36:13","slug":"car-insurance-for-natural-disasters-get-your-special-perils-cover","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-for-natural-disasters-get-your-special-perils-cover","title":{"rendered":"Car Insurance for Natural Disasters: Get Your Special Perils Cover"},"content":{"rendered":"\n<p>As climate change continues to impact our world, natural disasters are becoming more and more common. Recent torrential rains have caused havoc in many parts of the world, and Malaysia is no exception. In January this year, flash floods wreaked havoc in Johor and Pahang due to 430mm of rain in 24 hours. In the previous year, various parts of Kuala Lumpur were affected by heavy downpours, damaging roads and many vehicles. This is a reminder for vehicle owners just how important to get <a href=\"https:\/\/bjak.my\/blog\/car-insurance-deductible\/\">car insurance<\/a> for natural disasters.<\/p>\n\n\n\n<p>But that&#8217;s not all; heavy rains increase the chances of landslides happening too and cause more damage to our lives. It&#8217;s a scary reminder of how unpredictable and destructive nature can be. So, let\u2019s get into this article and find out how you can get your car protected against natural disasters.<\/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-69d7b73aa9870\" 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-69d7b73aa9870\"><\/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\/car-insurance-for-natural-disasters-get-your-special-perils-cover\/#Is_natural_disaster_damage_covered_by_car_insurance\" title=\"Is natural disaster damage covered by car insurance?\">Is natural disaster damage covered by car insurance?<\/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\/car-insurance-for-natural-disasters-get-your-special-perils-cover\/#Special_perils_cover\" title=\"Special perils cover\">Special perils cover<\/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\/car-insurance-for-natural-disasters-get-your-special-perils-cover\/#How_much_does_it_cost\" title=\"How much does it cost?\">How much does it cost?<\/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\/car-insurance-for-natural-disasters-get-your-special-perils-cover\/#Will_special_perils_cover_be_worth_it_for_you\" title=\"Will special perils cover be worth it for you?\">Will special perils cover be worth it for you?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-for-natural-disasters-get-your-special-perils-cover\/#Do_not_risk_it\" title=\"Do not risk it\">Do not risk it<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Is_natural_disaster_damage_covered_by_car_insurance\"><\/span>Is natural disaster damage covered by car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39822\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-add-ons-types-of-extra-protection-you-can-pick\/attachment\/flooded-cars\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/Flooded-cars.jpg?fit=900%2C508&amp;ssl=1\" data-orig-size=\"900,508\" 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=\"Flooded cars\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/Flooded-cars.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/Flooded-cars.jpg?fit=900%2C508&amp;ssl=1\" loading=\"lazy\" width=\"900\" height=\"508\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/Flooded-cars.jpg?resize=900%2C508&#038;ssl=1\" alt=\"Car insurance\" class=\"wp-image-39822\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/Flooded-cars.jpg?w=900&amp;ssl=1 900w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/Flooded-cars.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/Flooded-cars.jpg?resize=768%2C433&amp;ssl=1 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Natural disasters can be unpredictable, they can cause irreparable damage in a matter of seconds. For car owners, it&#8217;s essential to understand that car insurance doesn&#8217;t cover flood or natural disaster damages. Imagine losing your car to a flash flood or other unexpected event, only to find out your insurance won&#8217;t cover the damages. It&#8217;s a scary thought, but there is a solution: <strong>special perils cover.<\/strong><\/p>\n\n\n\n<p>Adding this coverage to your policy can provide peace of mind, knowing you have protection in case the worst happens. Don&#8217;t leave your car&#8217;s fate to chance \u2013 take action today and ensure you have the coverage you need to weather any storm.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Special_perils_cover\"><\/span>Special perils cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>By adding special perils coverage to your <a href=\"https:\/\/bjak.my\/blog\/understand-your-car-insurance-policy\/\">car insurance policy<\/a>, you can rest assured that you&#8217;ll be protected in case of natural disasters. With this coverage, you won&#8217;t have to worry about any damage to your vehicle caused by natural disasters.<\/p>\n\n\n\n<p>&nbsp;If you do decide to make a claim with special perils coverage, be aware that your No Claim Discount (NCD) will be reset to 0%. Also, you might face a higher insurance premium next year.<\/p>\n\n\n\n<p>However, keep in mind that you&#8217;ll need to have <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">comprehensive coverage<\/a> in order to be eligible for this extra protection.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_much_does_it_cost\"><\/span>How much does it cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Don&#8217;t stress about the cost of special perils cover because it won&#8217;t break the bank, especially when compared to the hefty cost of repairing your car after a natural disaster. Typically, you&#8217;ll only need to pay an extra 0.5% of the total insured value of your car to have this added protection.<\/p>\n\n\n\n<p>Remember to compare prices among insurance companies to find the best deal for you. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Will_special_perils_cover_be_worth_it_for_you\"><\/span>Will special perils cover be worth it for you?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One answer \u2013 YES! The unpredictability of natural disasters, and the recent natural disasters have reminded us of this.  You should always prepare for the worst.<\/p>\n\n\n\n<p>Thankfully, you can protect yourself and your vehicle by purchasing special perils cover. It&#8217;s a small investment that you make once a year when you renew your insurance.  Remember, you will have to bear colossal expenses if a natural disaster damages or loses your car, and the cost of this protection is small in comparison.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Do_not_risk_it\"><\/span>Do not risk it<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In conclusion, if you own a car, you must have a valid insurance policy &#8211; it&#8217;s the law! But don&#8217;t just settle for any old policy, go for comprehensive coverage if you qualify and add the special perils cover for extra security. That way, if a natural disaster like a flood strikes and damages your car, it won&#8217;t leave you high and dry. <\/p>\n\n\n\n<p>Your insurer will have your back, and you&#8217;ll be able to claim for the damages. So, protect yourself and your car &#8211; it&#8217;s better to be safe than sorry!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em data-l-s=\"67471\"><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison sites, with more than 10 insurance brands to choose from. Get your <a href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=\" target=\"_blank\" rel=\"noreferrer noopener\">free insurance quote<\/a> at Bjak today!<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=car-insurance-for-natural-disasters-get-your-special-perils-cover\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"47162\">Renew Online<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/autolife-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Is Autolife Insurance?<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/travel-insurance-claims\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Avoid Travel Insurance Claims Rejection<\/a><\/em><\/strong><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-premium\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Why Your Car Insurance Premium Can Go Up?<\/em><\/strong><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Protect your car from natural disasters with special perils cover &#8211; a small investment that could save you big in the long run. Don&#8217;t risk it, be prepared!<\/p>\n","protected":false},"author":20,"featured_media":37297,"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":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance for Natural Disasters: Get Your Special Perils Cover<\/title>\n<meta name=\"description\" content=\"Protect your vehicle with car insurance for natural disasters - a small investment that could save you big in the long run.\" \/>\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\/car-insurance-for-natural-disasters-get-your-special-perils-cover\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance for Natural Disasters: Get Your Special Perils Cover\" \/>\n<meta property=\"og:description\" content=\"Protect your vehicle with car insurance for natural disasters - a small investment that could save you big in the long run.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-for-natural-disasters-get-your-special-perils-cover\" \/>\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=\"2023-05-05T03:17:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-17T06:36:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1683252814-2.jpeg?fit=1280%2C809&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"809\" \/>\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=\"Waydi\" \/>\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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