BJAK: Special Perils bantu lindungi kereta daripada banjir

Special Perils insurance extends motor vehicle coverage to protect against damage caused by floods and specific natural disasters. In Malaysia, floods accounted for 85% of recorded natural disasters since 2000, according to Bank Negara Malaysia (BNM). However, comprehensive car insurance may not automatically cover flood-related damage.

Special Perils can include risks such as floods, landslides, and landslips, subject to policy terms. Motorists can learn more about Special Perils and flood insurance through BJAK's guide. Data from BJAK shows that Special Perils uptake among its customers increased from 1% in 2023 to 15% in 2026, reflecting growing demand for flood protection.

This coverage becomes increasingly relevant ahead of the Southwest Monsoon season when certain areas of Malaysia face higher flood risks. BNM also noted that flash floods are becoming more frequent in cities like Kuala Lumpur, Kuching, and Pulau Pinang. Without Special Perils, car owners may have to bear the cost of repairs resulting from flooding.

Therefore, it's essential to check coverage before a disaster strikes, rather than after. Through BJAK, car owners can not only compare car and takaful insurance options from up to 16 providers but also receive guidance from a customer service team and support throughout the claims process if their car is damaged by flooding. Claim approval is subject to policy terms and the decision of the insurance company or takaful administrator.

Car owners are advised to check their policy schedule to ensure flood protection is included. Those who have renewed their insurance can also check whether Special Perils can be added to their existing policy, subject to terms and the insurance company's eligibility. If their car is submerged by floodwaters, car owners are advised not to start the engine, to take photos of the damage if safe to do so, and to contact their insurance company or takaful administrator before arranging repairs.

As the country approaches the monsoon season, checking flood protection earlier can help car owners reduce the risk of incurring unexpected repair costs.