Strike, Riot & Civil Commotion (SRCC)

SRCC stands for Strike, Riot and Civil Commotion.

It is an optional car insurance add-on that extends your protection to certain losses or damage caused by these events.

Many drivers assume comprehensive car insurance covers every type of damage to their car. However, certain risks are excluded unless additional coverage is purchased.

Bank Negara Malaysia notes that additional coverage can be added to a motor policy for risks that are not included in the standard cover.

Depending on the policy, SRCC can cover damage to your insured vehicle caused by events such as:

• Strikes
• Riots
• Civil commotion
• Certain acts carried out to prevent or control these events

The exact definition of each event and the applicable exclusions depend on the policy wording.

Do not assume every form of public disturbance is automatically covered.

No, it is usually offered as an additional cover rather than being automatically included in the standard comprehensive policy.

BJAK currently lists Strike, Riot & Civil Commotion as an available add-on across its car insurance comparison.

Without applicable SRCC protection, damage caused by an excluded event may not be covered under your standard policy.

With SRCC added, you can potentially make a claim for covered damage, subject to:

• Your policy terms
• The definition of the event
• The sum insured
• Any applicable excess
• Policy exclusions

Always report the incident and follow your insurer's claims process.

SRCC may be worth considering if you:

• Park your car in busy city areas
• Regularly drive through areas with large public gatherings
• Park near venues where demonstrations or major events take place
• Want broader protection against unusual risks
• Prefer having additional protection even if the risk is relatively low

For most drivers, this is a risk-based decision rather than something everyone must have.

The additional premium depends on the insurer and the value of your car.

For example, Generali currently states a rate of 0.3% of the sum insured for its Strike/Riot coverage.

This is an insurer-specific example, not a universal market rate.

Think about the likelihood and potential cost of the risk.

You may decide it is worthwhile if your car is regularly parked in areas where public disturbances are more likely.

If you rarely drive into busy areas and are comfortable taking the risk yourself, you may choose not to add it.

The best approach is to compare the additional premium against the protection you receive.

You can compare car insurance plans and available add-ons on BJAK.