{"id":59749,"date":"2026-04-29T12:29:00","date_gmt":"2026-04-29T04:29:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59749"},"modified":"2026-04-28T18:59:19","modified_gmt":"2026-04-28T10:59:19","slug":"special-perils-car-insurance-is-flood-cover-worth-it","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it","title":{"rendered":"Special Perils Car Insurance \u2014 Is Flood Cover Worth It?"},"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-69f899f63ef8b\" 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-69f899f63ef8b\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#What_Special_Perils_Actually_Covers\" title=\"What Special Perils Actually Covers\">What Special Perils Actually Covers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#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-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#Eligibility_Checklist_Do_You_Actually_Need_It\" title=\"Eligibility Checklist: Do You Actually Need It?\">Eligibility Checklist: Do You Actually Need It?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#What_Happens_If_You_Don%E2%80%99t_Have_It\" title=\"What Happens If You Don\u2019t Have It\">What Happens If You Don\u2019t Have It<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#How_It_Affects_Your_Financial_Risk\" title=\"How It Affects Your Financial Risk\">How It Affects Your Financial Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#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-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#FAQ\" title=\"FAQ\">FAQ<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every monsoon season, the same photos flood social media \u2014 cars submerged in brown water, engines ruined, interiors destroyed. And every year, thousands of drivers discover the same painful truth: standard car insurance does not cover flood damage. This is where <strong>special perils car insurance flood cover <\/strong>becomes a real question for many drivers. The answer depends less on theory and more on your daily environment \u2014 where you live, where you park, and the routes you take.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Special_Perils_Actually_Covers\"><\/span><strong>What Special Perils Actually Covers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Standard comprehensive car insurance covers accidents, theft, and fire. It does not include what insurers classify as natural disasters such as flood, storm, landslide, and earthquake.<\/p>\n\n\n\n<p>Special perils is an add-on that extends your policy to include these risks. In Malaysia, flood is by far the most relevant exposure compared to other perils.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_Much_Does_It_Cost\"><\/span><strong>How Much Does It Cost?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Special perils typically costs between RM50 and RM200 per year, depending on your car\u2019s sum insured and insurer. For most vehicles, it falls around RM80 to RM150.<\/p>\n\n\n\n<p>When compared to potential losses:<\/p>\n\n\n\n<ul><li>Engine replacement can cost RM5,000 to RM20,000<\/li><li>Electrical damage and interior repairs can push total costs beyond RM30,000<\/li><\/ul>\n\n\n\n<p>The cost-to-risk ratio is relatively small \u2014 especially for drivers exposed to flood-prone conditions.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Eligibility_Checklist_Do_You_Actually_Need_It\"><\/span><strong>Eligibility Checklist: Do You Actually Need It?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You are more likely to need it if:<\/p>\n\n\n\n<ul><li>Live in flood-prone areas such as parts of KL, Shah Alam, Penang, Kota Bharu, or Johor Bahru<\/li><li>Park in basement or low-lying areas<\/li><li>Frequently drive through flood-prone routes<\/li><li>Car is still under financing<\/li><\/ul>\n\n\n\n<p>You may not need it if:<\/p>\n\n\n\n<ul><li>Live in elevated areas with good drainage<\/li><li>Park in covered, above-ground spaces<\/li><li>Car has very low market value<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Happens_If_You_Don%E2%80%99t_Have_It\"><\/span><strong>What Happens If You Don\u2019t Have It<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If your car is damaged by flood without special perils coverage, the claim will be rejected.<\/p>\n\n\n\n<p>Even with comprehensive insurance, flood is specifically excluded under standard policies. This means:<\/p>\n\n\n\n<ul><li>Repair costs are borne by policy holder<\/li><li>Severe damage may result in total loss with no payout<\/li><\/ul>\n\n\n\n<p>Events like the December 2021 floods showed how many drivers misunderstood this gap in coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_It_Affects_Your_Financial_Risk\"><\/span><strong>How It Affects Your Financial Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Without special perils:<\/p>\n\n\n\n<ul><li>You carry full financial exposure for flood damage<\/li><li>Repair or replacement costs can exceed the car\u2019s value<\/li><\/ul>\n\n\n\n<p>With special perils:<\/p>\n\n\n\n<ul><li>Risk is transferred to the insurer<\/li><li>You only pay a relatively small annual premium<\/li><\/ul>\n\n\n\n<p>This is where <strong>special perils car insurance flood cover worth it<\/strong> becomes a practical decision rather than a theoretical one.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><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><\/h3>\n\n\n\n<p>If your car is affected by flood and you have special perils:<\/p>\n\n\n\n<ol><li>Do not start the engine \u2014 this can cause severe internal damage<\/li><li>Document the situation with photos and videos<\/li><li>Contact your insurer immediately<\/li><li>Tow the car to a panel workshop<\/li><li>Keep all related receipts<\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59778\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\/attachment\/special-perils-car-insurance-is-flood-cover-worth-it-2-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.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=\"Special Perils Car Insurance \u2014 Is Flood Cover Worth It (2)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"\nThis infographic outlines the 5 Critical Steps for a Flood-Affected Car when you have Special Perils coverage, presented in a clear, sequential blue and green flowchart. The process begins with the most important warning: do not start the engine, as this can cause irreversible internal damage. It then advises owners to document the situation with photos and videos before contacting their insurer immediately to start the claim. The final stages involve towing the vehicle to an authorized panel workshop for professional inspection and keeping all related receipts for towing and storage to ensure full reimbursement of expenses.\" class=\"wp-image-59778\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It-2.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<h3><span class=\"ez-toc-section\" id=\"FAQ\"><\/span><strong>FAQ<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Does standard car insurance cover flood damage?<\/strong><strong><br><\/strong> No, flood is excluded unless you add special perils.<\/li><li><strong>How much does special perils cost?<\/strong><strong><br><\/strong> Around RM50 to RM200 per year depending on your car.<\/li><li><strong>Can I add special perils mid-policy?<\/strong><strong><br><\/strong> Some insurers allow it, but many require it at renewal.<\/li><li><strong>What else does special perils cover?<\/strong><strong><br><\/strong> Storm, landslide, earthquake, and other natural disasters.<\/li><li><strong>Should I start my car after a flood?<\/strong><strong><br><\/strong> No, it can damage the engine further.<\/li><li><strong>Is it worth it for older cars?<\/strong><strong><br><\/strong> It depends on the car\u2019s value, but for vehicles above RM15,000, it is usually still worthwhile.<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Special perils costs a small additional premium each year, but protects against one of the most expensive and common risks in Malaysia \u2014 flood damage. For many drivers, <strong>special perils car insurance flood cover <\/strong>is not about over-insuring, but about avoiding a large, unexpected financial hit. If you live, park, or commute through flood-prone areas, this add-on is not optional \u2014 it is practical protection.<\/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=special-perils-car-insurance--is-flood-cover-worth-it\" 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\/motorcycle-insurance\/motorcycle-insurance-after-engine-swap-still-covered\">Motorcycle Insurance After Engine Swap \u2014 Still Covered?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/switching-car-insurance-provider-what-you-might-lose\">Switching Car Insurance Provider \u2014 What You Might Lose<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-for-used-cars-why-your-quote-feels-wrong\">Car Insurance for Used Cars \u2014 Why Your Quote Feels Wrong<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With Malaysia&#8217;s recurring flash floods, special perils coverage keeps coming up. Here&#8217;s whether it&#8217;s worth the extra cost based on where you live and park.<\/p>\n","protected":false},"author":31,"featured_media":59775,"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":[3342,429,59,3161],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Special Perils Car Insurance \u2014 Is Flood Cover Worth It? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Special Perils Car Insurance \u2014 Is Flood Cover Worth It?\" \/>\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\/special-perils-car-insurance-is-flood-cover-worth-it\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Special Perils Car Insurance \u2014 Is Flood Cover Worth It? | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Special Perils Car Insurance \u2014 Is Flood Cover Worth It?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-car-insurance-is-flood-cover-worth-it\" \/>\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=\"2026-04-29T04:29:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-28T10:59:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/04\/Special-Perils-Car-Insurance-\u2014-Is-Flood-Cover-Worth-It.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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=\"tariqsiregar@bjak.my\" \/>\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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