{"id":51659,"date":"2025-09-19T23:24:18","date_gmt":"2025-09-19T15:24:18","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51659"},"modified":"2025-10-29T18:30:30","modified_gmt":"2025-10-29T10:30:30","slug":"how-car-insurance-protect-against-flood-damage","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-car-insurance-protect-against-flood-damage","title":{"rendered":"How Car Insurance Protect Against Flood Damage"},"content":{"rendered":"\n<p>Rainy season, or those sudden \u201cflash floods\u201d in the city \u2014 every car owner dreads it. Rising water can wreck your engine, wiring, even the whole interior. Repairs? Easily thousands of ringgit. The big question is: does your car insurance <strong>Protect Against Flood Damage<\/strong> or not?<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-69d45cbb60a81\" 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-69d45cbb60a81\"><\/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\/how-car-insurance-protect-against-flood-damage\/#Does_Every_Policy_Cover_Floods\" title=\"Does Every Policy Cover Floods?\">Does Every Policy Cover Floods?<\/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\/how-car-insurance-protect-against-flood-damage\/#What_Is_Special_Perils_Coverage\" title=\"What Is Special Perils Coverage?\">What Is Special Perils Coverage?<\/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\/how-car-insurance-protect-against-flood-damage\/#Extra_Cost_for_Flood_Coverage\" title=\"Extra Cost for Flood Coverage\">Extra Cost for Flood Coverage<\/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\/how-car-insurance-protect-against-flood-damage\/#Comparison_Standard_vs_With_Special_Perils\" title=\"Comparison: Standard vs With Special Perils\">Comparison: Standard vs With Special Perils<\/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\/how-car-insurance-protect-against-flood-damage\/#How_To_Claim_Flood_Damage\" title=\"How To Claim Flood Damage\">How To Claim Flood Damage<\/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\/how-car-insurance-protect-against-flood-damage\/#FAQ\" title=\"FAQ\">FAQ<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-insurance-protect-against-flood-damage\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Does_Every_Policy_Cover_Floods\"><\/span><strong>Does Every Policy Cover Floods?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Quick answer: <strong>no<\/strong>. A standard <em>comprehensive<\/em> policy does not automatically cover flood damage. To get protection, you\u2019ll need to add <em>special perils coverage<\/em>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Special_Perils_Coverage\"><\/span><strong>What Is Special Perils Coverage?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Special perils is an add-on that usually includes:<\/p>\n\n\n\n<ul><li><strong>Floods<\/strong> \u2013 Both flash floods and river overflow.<br><\/li><li> <strong>Storms &amp; Typhoons<\/strong> \u2013 Damage from falling trees or strong winds.<br><\/li><li> <strong>Landslides &amp; Earthquakes<\/strong> \u2013 Rare, but included in the package.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Extra_Cost_for_Flood_Coverage\"><\/span><strong>Extra Cost for Flood Coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Special perils usually costs around <strong>0.2% \u2013 0.5%<\/strong> of the insured value (sum insured). Example:<\/p>\n\n\n\n<ul><li>Car value RM30,000 \u2192 Extra premium \u00b1 RM60 \u2013 RM150 per year.<br><\/li><li>Car value RM60,000 \u2192 Extra premium \u00b1 RM120 \u2013 RM300 per year.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Comparison_Standard_vs_With_Special_Perils\"><\/span><strong>Comparison: Standard vs With Special Perils<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Policy Type<\/strong><\/td><td><strong>What\u2019s Covered<\/strong><\/td><td><strong>Flood Protection?<\/strong><\/td><td><strong>Premium Cost<\/strong><\/td><\/tr><tr><td><strong>Comprehensive (Standard)<\/strong><\/td><td>Accident, theft, fire<\/td><td> No<\/td><td>Basic premium<\/td><\/tr><tr><td><strong>Comprehensive + Special Perils<\/strong><\/td><td>Above + flood, storm, landslide<\/td><td> Yes<\/td><td>Basic + add-on<\/td><\/tr><tr><td><strong>Third Party Only<\/strong><\/td><td>Third-party liability only<\/td><td> No<\/td><td>Cheapest<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_To_Claim_Flood_Damage\"><\/span><strong>How To Claim Flood Damage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Take Photos<\/strong> \u2013 Proof of damage &amp; flood condition.<br><\/li><li> <strong>Contact Insurer<\/strong> \u2013 Report damage immediately.<br><\/li><li> <strong>Send to Panel Workshop<\/strong> \u2013 Claims only approved via authorized workshops.<br><\/li><li> <strong>Fill in Claim Form<\/strong> \u2013 Attach photos and documents.<br><\/li><li> <strong>Wait for Approval<\/strong> \u2013 Insurer evaluates and processes payment.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><strong>FAQ<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Does a standard comprehensive policy cover flood damage?<\/strong><strong><br><\/strong> No, unless you\u2019ve added special perils coverage.<\/p>\n\n\n\n<p><strong>2. Can all cars get special perils add-on?<\/strong><strong><br><\/strong> Yes, most insurers offer it, but the premium depends on your car\u2019s value.<\/p>\n\n\n\n<p><strong>3. What if the car is a total loss from flood?<\/strong><strong><br><\/strong> With special perils, you can claim based on market value or sum insured.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Floods can be a nightmare when it comes to cars. Without coverage that <strong>Protect Against Flood Damage<\/strong>, you\u2019re on your own for the repair bills. The extra cost might look small, but it can save you big when disaster strikes. Don\u2019t wait until your car is underwater \u2014 check your policy now.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51661\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-insurance-protect-against-flood-damage\/attachment\/4-42-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"4-42\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\" class=\"wp-image-51661\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?resize=2048%2C1295&amp;ssl=1 2048w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/4-42-scaled.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=how-car-insurance-protect-against-flood-damage\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance-claim-process-for-minor-accidents\">Car Insurance Claim Process For Minor Accidents<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-check-your-ncdno-claim-discount-before-renew-insurance\">How to Check Your NCD(No Claim Discount Before Renew Insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/7-reason-your-car-insurance-premium-went-up-this-year\">7 Reason Your Car Insurance Premium Went Up This Year<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rainy season, or those sudden \u201cflash floods\u201d in the city \u2014 every car owner dreads it. Rising water can wreck your engine, wiring, even the whole interior. Repairs? Easily thousands of ringgit. The big question is: does your car insurance Protect Against Flood Damage or not? Does Every Policy Cover Floods? Quick answer: no. A&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-car-insurance-protect-against-flood-damage\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">How Car Insurance Protect Against Flood Damage<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":51662,"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":[42,59,88],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Car Insurance Protect Against Flood Damage | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How Car Insurance Protect Against Flood Damage. 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