{"id":56596,"date":"2025-11-21T23:38:27","date_gmt":"2025-11-21T15:38:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56596"},"modified":"2025-11-21T23:38:29","modified_gmt":"2025-11-21T15:38:29","slug":"should-you-take-strike-riot-civil-commotion-coverage","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/should-you-take-strike-riot-civil-commotion-coverage","title":{"rendered":"Should You Take Strike, Riot &#038; Civil Commotion Coverage?"},"content":{"rendered":"\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-69d7a73152189\" 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-69d7a73152189\"><\/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\/should-you-take-strike-riot-civil-commotion-coverage\/#Introduction\" title=\"Introduction\">Introduction<\/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\/should-you-take-strike-riot-civil-commotion-coverage\/#1_What_SRCC_Covers\" title=\"1. What SRCC Covers\">1. What SRCC Covers<\/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\/should-you-take-strike-riot-civil-commotion-coverage\/#2_When_You_Should_Take_Strike_Riot_Civil_Commotion_Coverage\" title=\"2. When You Should Take Strike, Riot &amp; Civil Commotion Coverage\">2. When You Should Take Strike, Riot &amp; Civil Commotion 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\/should-you-take-strike-riot-civil-commotion-coverage\/#3_How_to_Choose_the_Right_SRCC_Add-On\" title=\"3. How to Choose the Right SRCC Add-On\">3. How to Choose the Right SRCC Add-On<\/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\/should-you-take-strike-riot-civil-commotion-coverage\/#4_Extra_Tips_for_Drivers\" title=\"4. Extra Tips for Drivers\">4. Extra Tips for Drivers<\/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\/should-you-take-strike-riot-civil-commotion-coverage\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You may wonder, <strong>should you take Strike, Riot &amp; Civil Commotion (SRCC)<\/strong> coverage for your car? SRCC is a car insurance add-on that protects against damage from riots, strikes, or uncontrolled public gatherings. While such events are rare, repair costs can easily reach thousands of ringgit. This article explains when SRCC is relevant and how it can save you money.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_What_SRCC_Covers\"><\/span><strong>1. What SRCC Covers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SRCC add-on protects against:<\/p>\n\n\n\n<ul><li>Damage from riots, strikes, protests, or public disturbances<br><\/li><li>Large-scale vandalism not included in standard insurance<br><\/li><li>Panel, glass, or engine damage caused by malicious third-party acts<br><\/li><\/ul>\n\n\n\n<p>Note: SRCC is different from minor vandalism \u2014 small acts of vandalism are usually covered by comprehensive policies.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_When_You_Should_Take_Strike_Riot_Civil_Commotion_Coverage\"><\/span><strong>2. When You Should Take Strike, Riot &amp; Civil Commotion Coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Consider SRCC if:<\/p>\n\n\n\n<ul><li>You live or park in areas prone to demonstrations or riots<br><\/li><li>You own a new or high-value car and want to avoid costly repairs<br><\/li><li>Your car is often parked in public locations with third-party risk<br><\/li><\/ul>\n\n\n\n<p>Tip: Even though such incidents are uncommon, repair costs from riots can exceed RM5,000\u201310,000. A small premium for SRCC is worth the protection.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_How_to_Choose_the_Right_SRCC_Add-On\"><\/span><strong>3. How to Choose the Right SRCC Add-On<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Check coverage<\/strong> \u2013 Make sure it covers panels, glass, and third-party damage.<br><\/li><li><strong>Compare premiums<\/strong> \u2013 SRCC typically adds a small extra cost but protects against thousands of ringgit in potential damage.<br><\/li><li><strong>Combine with NCD &amp; Agreed Value<\/strong> \u2013 Keep your NCD safe and protect your car\u2019s value after a claim.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Extra_Tips_for_Drivers\"><\/span><strong>4. Extra Tips for Drivers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Park in safer locations during protests or large gatherings.<br><\/li><li>Take photos before leaving your car as evidence of its condition.<br><\/li><li>Know your policy: SRCC only applies if incidents are correctly categorized.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56657\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/should-you-take-strike-riot-civil-commotion-coverage\/attachment\/5-24\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.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=\"5\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing risks from riots, strikes, and civil commotion, and how SRCC coverage helps prevent high repair costs.\n\" class=\"wp-image-56657\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/5.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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>So, <strong>should you take Strike, Riot &amp; Civil Commotion (SRCC)<\/strong> coverage? Even though these events are rare, SRCC is a small but highly useful add-on. With proper coverage and the combination of NCD and Agreed Value, drivers can be confident their car is protected from expensive third-party damage.<\/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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=should-you-take-strike-riot--civil-commotion-coverage\" 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\/car-insurance-tips-for-drivers-under-25\">Car Insurance Tips for Drivers Under 25<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-coverage-in-car-insurance\">Special Perils Coverage in Car Insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/emergency-assistance-towing-what-you-need-to-know\">Emergency Assistance &amp; Towing: What You Need to Know<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> A simple guide for Malaysian drivers on SRCC coverage, when it\u2019s relevant, and how it can save car repair costs.<\/p>\n","protected":false},"author":31,"featured_media":56656,"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":[429,3181],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should You Take Strike, Riot &amp; Civil Commotion Coverage? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Should You Take Strike, Riot &amp; Civil Commotion Coverage? 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