{"id":43580,"date":"2023-10-25T16:45:10","date_gmt":"2023-10-25T08:45:10","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43580"},"modified":"2025-09-12T17:31:20","modified_gmt":"2025-09-12T09:31:20","slug":"special-perils-coverage","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-coverage","title":{"rendered":"5 Best Special Perils Coverage For Private Cars"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/blog\/special-perils-full-and-limited\/\">Special perils<\/a> coverage is a popular add-on coverage that most people consider when renewing&nbsp;<a href=\"https:\/\/bjak.my\/en\">car insurance<\/a>&nbsp;because insurance companies usually do not include them in a standard&nbsp;car policy. Since cars are highly susceptible to damage caused by acts of nature, add-ons that cover damage from natural disasters are crucial. <\/p>\n\n\n\n<p>But with so many insurance in the market, finding the ideal plan can be troublesome. So, we&#8217;ve compiled a list of the five best special perils coverage for private cars to speed up your search.<\/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-69d77e422ac90\" 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-69d77e422ac90\"><\/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\/special-perils-coverage\/#Zurich\" title=\"Zurich\">Zurich<\/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\/special-perils-coverage\/#Allianz\" title=\"Allianz\">Allianz<\/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\/special-perils-coverage\/#MSIG\" title=\"MSIG\">MSIG<\/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\/special-perils-coverage\/#Etiqa\" title=\"Etiqa\">Etiqa<\/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\/special-perils-coverage\/#Tokio_Marine\" title=\"Tokio Marine\">Tokio Marine<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-coverage\/#Special_perils_coverage_in_Malaysia\" title=\"Special perils coverage in Malaysia\">Special perils coverage in Malaysia<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Zurich\"><\/span>Zurich<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Zurich tops our list of special perils protection for private cars because it offers the best benefits. Its <strong>Z-Driver<\/strong> and <strong>Z-Drive Assist<\/strong> plans both support natural disasters.<\/p>\n\n\n\n<p>Z-Driver policyholders are eligible for: <\/p>\n\n\n\n<ul><li><strong>Water Damage Cover<\/strong> from <strong>RM10\/year<\/strong><\/li><li>Reimbursement of <strong>up to RM5,000<\/strong> on towing and cleaning of vehicle due to flood<\/li><li><strong>60% discount<\/strong> off the tariff rate for special perils &#8211; savings on special perils contribution<\/li><\/ul>\n\n\n\n<p>Meanwhile, Z-Drive Assist (Motor Personal Accident plan) offers:<\/p>\n\n\n\n<ul><li><strong>Flood Inconvenience Allowance<\/strong> &#8211; <strong>RM3,000 <\/strong>for both basic and superior plan<\/li><\/ul>\n\n\n\n<p>The flood allowance covers the following events:<\/p>\n\n\n\n<ul><li><strong>Cost of Cleaning<\/strong> \u2013 Cleaning Cost Interior Parts (excluding the engine) (<strong>RM1,000<\/strong>) <\/li><li><strong>Accidental Medical Expenses<\/strong> \u2013 Medically necessary expenses within twelve (12) months from the flood date (<strong>RM1,000<\/strong>)<\/li><li><strong>Compassionate Allowance<\/strong> \u2013 Accidental death (<strong>RM1,000<\/strong>)<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Allianz\"><\/span>Allianz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Allianz is definitely a brand you should consider, as it offers one of the best protections against natural disasters at a low premium. Under the Rahmah Insurance Initiative (Allianz&#8217;s collaboration with the Malaysian government), private car owners can benefit from compassionate flood allowance alongside the usual special perils cover.<\/p>\n\n\n\n<p><strong>Compassionate Flood Coverage<\/strong> &#8211; RM3,000<\/p>\n\n\n\n<p><strong>Special perils cover<\/strong> &#8211; Premium charged: 0.2% x 100% of the sum insured<\/p>\n\n\n\n<p>Both <strong>Allianz Motor Comprehensive<\/strong> (private car) and <strong>Third-party, Fire &amp; Theft<\/strong> (private car) policyholders are eligible for the compassionate flood allowance payout.  <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"MSIG\"><\/span>MSIG<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>MSIG offers both full and limited special perils coverage for cars. The <strong>MSIG Lady Motor Plus<\/strong> and the <strong>MSIG Motor<\/strong> <strong>Plus Plans<\/strong> have full special perils included in the policy. For&nbsp;the <strong>MSIG Comprehensive Private Car&nbsp;<\/strong>plan, policyholders can opt for a separate add-on.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<ul><li><strong>Full coverage<\/strong> &#8211; Premium charged: 0.2% x 100% of the sum insured<\/li><li>Maximum claim payout: 100% of the sum insured<\/li><\/ul>\n<\/div><\/div>\n\n\n\n<ul><li><strong>Limited coverage<\/strong> &#8211; Premium charged: 0.5% x 25% of the sum insured<\/li><li>Maximum claim payout: 25% of the sum insured<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Etiqa\"><\/span>Etiqa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Etiqa is a popular auto insurance brand in Malaysia. The brand is known for offering some of the best plans for private cars and has received unwavering support from locals. Under <a href=\"https:\/\/bjak.my\/blog\/renew-the-best-motor-insurance-at-bjak-motor-etiqa-takaful\/\">Etiqa car insurance<\/a>, policyholders can opt for two types of coverage for natural disasters \u2014 Basic Flood Coverage and Extended Flood Coverage.<\/p>\n\n\n\n<ul><li><strong>Basic Flood Coverage<\/strong> &#8211; covers the insured vehicle from floods and storms at a <strong>premium of 0.25%<\/strong> of the total sum insured. <\/li><\/ul>\n\n\n\n<ul><li><strong>Extended Flood Coverage<\/strong> &#8211; covers floods, storms, landslides, hurricanes, tornadoes, volcanic eruptions and other natural disasters at <strong>a premium of 0.5%<\/strong> of the total sum insured.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tokio_Marine\"><\/span>Tokio Marine<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tokio Marine is a commercial insurance brand offering various financial products. In car insurance,&nbsp;it is a renowned brand among imported vehicle owners. <\/p>\n\n\n\n<p>Under Tokio Marine\u2019s AutoPro Plan, policyholders are eligible for a lump flood allowance for flood damage to their vehicles. This is offered on top of the special perils add-on that can be purchased by paying an additional premium.<\/p>\n\n\n\n<ul><li><strong>Flood allowance<\/strong> &#8211; RM1,000 for the insured vehicle<\/li><li><strong>Special perils add-on<\/strong> &#8211; Premium charged: 0.2% x 100% of the sum insured<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Special_perils_coverage_in_Malaysia\"><\/span>Special perils coverage in Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Natural disasters are inevitable, and there is not much you can do about them when they happen. While you can&#8217;t immediately protect your car against the effects of natural disasters, special perils cover can be incredibly helpful to cover the repair cost. <\/p>\n\n\n\n<p>Getting your ideal car insurance with special perils add-on is so much easier now that we have Bjak! Compare policies from up to 18 brands (including the ones mentioned above) and customise your policy based on your needs. Click the button below to get started and start renewing insurance conveniently. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Visit Bjak today to get your free insurance quote!<\/em><\/p>\n\n\n\n<div class=\"wp-container-2 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=special-perils-coverage\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/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 style=\"background-color: var(--nv-site-bg); color: var(--nv-text-color); font-family: var(--bodyfontfamily); font-size: var(--bodyfontsize); letter-spacing: var(--bodyletterspacing); text-transform: var(--bodytexttransform);\"><em><a href=\"https:\/\/bjak.my\/blog\/compulsory-excess-malaysia\/\">Compulsory Excess Vs. Voluntary Excess In Malaysia<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/how-does-car-insurance-deductible-work\/\">Deductible Vs Excess In Car Insurance<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/car-depreciation-rate-malaysia\/\">How Is Car Depreciation Rate Counted In Malaysia?<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>We&#8217;ve compiled a list of the 5 best special perils coverage for private cars in Malaysia. Learn more about them here.<\/p>\n","protected":false},"author":19,"featured_media":43581,"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>Special Perils Coverage: 5 Of The Best Plans For Private Cars<\/title>\n<meta name=\"description\" content=\"We&#039;ve compiled a list of the 5 best special perils coverage for private cars in Malaysia. 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