SRCC cover is an optional add-on to car insurance that provides protection for certain losses or damage caused by strike, riot and civil commotion, subject to the terms and conditions of your policy.
But if you already have comprehensive car insurance, do you really need SRCC?
This is a common question among Malaysian car owners. Many people assume that comprehensive car insurance automatically covers all types of damage to their vehicle. However, some risks may be excluded unless you purchase additional coverage.
In this guide, we’ll explain what SRCC cover means, what it covers, whether comprehensive car insurance includes it, how much it may cost and who should consider adding it to their car insurance policy.
What Is SRCC Cover?
SRCC stands for Strike, Riot and Civil Commotion.
In car insurance, SRCC is an additional cover that protects your car against certain damage caused by events such as strikes, riots or civil commotion, depending on the terms and conditions of your policy.
For example, if your car is damaged during a riot, you may be able to make a claim if you have the relevant SRCC coverage.
Without SRCC, damage caused by these events may not be covered by your standard car insurance policy.
That’s why it’s important to understand what your policy actually covers before deciding whether to add SRCC.
What Does SRCC Stand For?
SRCC refers to three types of events:
Strike
A strike happens when employees stop working as part of industrial action, usually because of a dispute with their employer.
Riot
A riot involves a large group of people becoming violent or causing serious public disorder.
For example, vehicles or property may be damaged during a riot.
Civil Commotion
Civil commotion generally refers to serious public disorder involving a group of people.
The exact meaning and coverage can vary depending on your insurance policy, so you should always check the policy wording.
Does Comprehensive Car Insurance Cover Riot Damage?
This is one of the most common questions about SRCC.
The short answer is: don’t assume that comprehensive car insurance automatically covers everything.
Comprehensive car insurance provides broader protection for your vehicle than third-party-only insurance, but there are still exclusions and additional covers that may apply.
SRCC may be available as an optional extension to your motor insurance policy.
So, if you’re worried about damage caused by a strike, riot or civil commotion, check whether SRCC is included in your policy or whether you need to add it separately.
What Does SRCC Cover?
If you have SRCC cover, it can provide protection for covered damage to your insured vehicle caused by an insured strike, riot or civil commotion event, subject to your policy’s terms, conditions, exclusions and limits.
For example:
Your car is damaged during a riot.
If the incident falls within the coverage provided by your SRCC extension, you may be able to submit a claim for the damage.
However, not every incident involving a crowd or public gathering automatically qualifies as an SRCC claim.
The circumstances of the incident and the terms of your policy will determine whether the damage is covered.
What Is Not Covered By SRCC?
Like other types of insurance, SRCC cover does not mean that every type of damage will automatically be paid for.
Your policy may contain specific exclusions, conditions and limits.
For example, the circumstances surrounding the damage may affect whether you can make a claim.
This is why you should read your policy wording or check with your insurer before assuming a particular incident is covered.
If you are unsure, ask your insurer or insurance provider:
“Does my policy include SRCC, and what situations are covered?”
This simple question can help you understand exactly what you’re paying for.
How Much Does SRCC Cover Cost?
SRCC is an additional cover, so you may need to pay an extra premium when adding it to your car insurance policy.
The amount can vary depending on your insurer, vehicle and policy.
Instead of looking only at the total insurance premium, check how much the SRCC add-on costs and what protection it provides.
For example, you can compare:
Your basic car insurance premium
The additional cost of SRCC
The coverage provided
Any exclusions or limits
Your car’s insured value
This makes it easier to decide whether the additional protection is suitable for you.
Do You Need SRCC Cover?
There is no single answer for every driver.
Whether you need SRCC depends on your circumstances and how much additional protection you want for your car.
You may consider SRCC if:
You regularly drive in busy areas
If you frequently drive or park in city centres, areas with large public gatherings or other busy locations, you may prefer to have additional protection against risks covered by SRCC.
You own a high-value car
Repairing a more expensive vehicle can be costly.
If your car has a high value, you may prefer to have broader insurance protection rather than pay for certain types of damage yourself.
You want additional peace of mind
Some car owners are willing to pay a little extra for additional coverage.
If you prefer to have protection against covered strike, riot and civil commotion events, SRCC may be worth considering.
On the other hand, if you rarely drive or park in areas where you believe these risks are relevant, you may decide that the additional cover isn’t necessary for you.
The important thing is to understand the coverage and make your decision based on your own needs.
SRCC Cover: Is It Worth Adding?
Before adding SRCC to your car insurance, consider these three things:
1. Where do you normally drive and park?
Think about your usual routes and where you leave your car.
2. How much does the additional cover cost?
Compare the additional SRCC premium with the overall cost of your car insurance.
3. What does your policy actually cover?
Check the policy wording, including exclusions, conditions and limits.
The goal isn’t simply to buy more insurance.
It’s to make sure you understand the risks you’re covered for and decide whether the additional protection is useful for you.
SRCC vs Comprehensive Car Insurance
It’s easy to confuse the two.
Comprehensive car insurance provides broad protection for your vehicle, but it does not necessarily mean every possible risk is covered.
SRCC, meanwhile, is an additional cover specifically related to certain losses or damage caused by strike, riot and civil commotion.
In simple terms:
Comprehensive Insurance
SRCC Cover
Covers damage to your own car
Yes, subject to policy terms
For covered SRCC-related damage
Covers strike/riot/civil commotion
Depends on the policy
Yes, subject to policy terms
Additional premium
Depends on your policy
Usually required
Compulsory
Depends on the type of motor insurance
No
Always check your individual policy because coverage and exclusions can differ between insurers.
So, Should You Add SRCC?
SRCC is an optional additional cover, so you don’t necessarily need it just because you have comprehensive car insurance.
The better question to ask is:
“If my car is damaged during a covered strike, riot or civil commotion event, am I comfortable paying for the damage myself?”
If you want additional protection against these risks, you can consider adding SRCC to your car insurance.
If you don’t think the additional protection is necessary for your situation, you may choose not to add it.
Before making your decision, compare the additional premium and check exactly what the cover includes.
Final Thoughts
SRCC may sound complicated, but the basic idea is simple.
SRCC stands for Strike, Riot and Civil Commotion, and it is an optional cover that can provide protection for certain damage caused by these events.
Having comprehensive car insurance does not automatically mean that every type of damage is covered.
So, when renewing your car insurance, don’t just look at the price.
Take a few minutes to check:
What your current policy covers
Whether SRCC is included
How much the SRCC add-on costs
What exclusions and limits apply
That way, you can choose the level of protection that makes sense for your car and your situation.
SRCC stands for Strike, Riot and Civil Commotion. It refers to additional insurance protection for certain damage or losses resulting from events covered under these categories, subject to your policy terms and conditions.
Is SRCC included in comprehensive car insurance?
Not necessarily. Comprehensive car insurance does not automatically mean every type of risk is covered. Whether SRCC is included depends on your specific policy. Check your policy wording or ask your insurer whether SRCC coverage is included.
Is SRCC compulsory in Malaysia?
No. SRCC is an optional additional cover rather than a compulsory motor insurance requirement.
Does SRCC cover damage caused by a riot?
SRCC may cover damage caused by a riot when the incident falls within the coverage provided by your policy. However, exclusions, conditions and limits may apply.
How much does SRCC insurance cost?
The additional premium for SRCC depends on the insurer, vehicle and policy. Check the actual premium offered when you purchase or renew your car insurance.
Should I add SRCC to my car insurance?
It depends on your circumstances and how much additional protection you want. Consider where you normally drive and park your car, your vehicle’s value, the cost of the SRCC add-on and the risks excluded from your existing policy.
Nabil Farhan· · 7 min read
