Flood Towing and Cleaning
If your car is affected by a flood, Flood Towing & Cleaning may help cover eligible towing and professional cleaning expenses, subject to your policy terms and benefit limit. BJAK currently lists this add-on from Lonpac Insurance, Takaful Malaysia and Zurich Takaful.
This benefit is separate from flood damage cover, which may pay for eligible vehicle repairs. Check your policy to understand what is included before making a claim.
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What does Flood Towing and Cleaning cover?
The benefit helps cover eligible towing and professional cleaning expenses after flood damage. Availability and claim conditions depend on the insurer and policy selected.
| Expense | What you should know |
|---|---|
| Towing | May cover eligible costs to tow your flood-affected car, subject to the benefit limit and policy terms |
| Professional cleaning | May cover eligible cleaning costs after a flood |
| Engine repairs | Not automatically covered under this benefit; separate flood damage cover may be needed |
| Replacement parts | Not automatically covered under this benefit |
Important
This benefit does not cover every flood-related expense. Check the benefit limit, exclusions and claim process. Also confirm whether your insurer arranges the service or reimburses eligible costs.
You can check the latest availability in BJAK's car insurance add-on comparison.
Which insurers offer Flood Towing and Cleaning?
BJAK's current comparison page lists these providers for the specific Flood Towing & Cleaning add-on:
- Lonpac Insurance
- Takaful Malaysia
- Zurich Takaful
AIG also advertises free flood towing in its provider benefits, but BJAK lists its specific Flood Towing & Cleaning add-on as unavailable. Free flood towing and a combined towing and professional cleaning benefit may have different terms, so check the exact coverage offered.
Availability may depend on your vehicle and selected policy. Always confirm the details in your quote and policy wording.
How to claim Flood Towing and Cleaning
If your car has been affected by floodwater, follow these steps:
Protect your car
Do not start the engine if the car has been submerged, as this may cause further damage.
Contact your insurer
Confirm your coverage, towing arrangements and claim requirements before booking a service, where possible.
Arrange towing
Follow your insurer's instructions on the towing provider and destination workshop.
Keep evidence
Take photos of the vehicle and keep towing and cleaning receipts or invoices.
Prepare documents
Complete the claim form and provide the supporting documents requested.
Submit your claim
Follow your insurer's instructions and provide any additional information needed.
Claim procedures vary by provider. Refer to Takaful Malaysia's claim guide for its claims process and requirements.
For more guidance, read BJAK's guide to claiming for flood damage.
What documents might you need?
Depending on your insurer, you may be asked to provide:
A completed claim form
Towing and cleaning receipts or invoices
Photos of the flood-affected vehicle
A police report, if required
Your policy details and vehicle registration information
Identification or driving licence, if requested
Keep copies of your documents and confirm the exact requirements with your insurer before submitting your claim.
Flood Towing and Cleaning vs Special Perils
These benefits serve different purposes. Flood Towing and Cleaning helps with eligible towing and cleaning expenses, while Special Perils can cover eligible vehicle damage caused by floods and other specified natural disasters.
| Benefit | Main purpose |
|---|---|
| Flood Towing and Cleaning | Helps cover eligible towing and professional cleaning expenses, subject to the benefit limit and policy terms |
| Special Perils | Covers eligible vehicle damage caused by specified natural disasters, including floods, subject to policy terms |
Standard comprehensive car insurance does not automatically cover flood damage. You may need to add Special Perils protection to cover eligible flood-related vehicle damage.
Having Special Perils does not automatically mean every towing, cleaning or repair expense is covered. Check your policy wording to confirm the benefits and limits.
Frequently asked questions
BJAK currently lists Lonpac Insurance, Takaful Malaysia and Zurich Takaful for this specific add-on. Availability and terms may vary by vehicle and policy.
The amount depends on your selected benefit limit, eligible expenses and policy terms. Check your quote and policy wording for the exact limit rather than relying on a general amount.
It depends on your policy. Some insurers may arrange the service, while others may reimburse eligible expenses after you submit the required documents. Contact your insurer before arranging towing, where possible.
Not necessarily. This benefit focuses on eligible towing and cleaning expenses. Engine repairs may require separate flood damage cover, subject to the insurer's assessment and policy terms.
Not always. Flood Towing and Cleaning may be offered as a separate benefit. Check your policy to confirm which benefits you have selected.
It depends on the benefit's terms and eligible expenses. Ask your insurer whether cleaning costs can be claimed separately before proceeding.
Check your flood protection with BJAK
Before buying or renewing car insurance, compare the available Flood Towing and Cleaning and Special Perils options for your vehicle. Check the benefits, limits, exclusions and claim requirements so you know what your policy covers.