{
  "id": 9469346,
  "title": "BJAK: Special Perils bantu lindungi kereta daripada banjir",
  "url": "https://urgent.news/2026/09/24/bjak-special-perils-bantu-lindungi-kereta-daripada-banjir-9469346",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-24T02:00:00.000Z",
  "source": {
    "name": "Free Malaysia Today",
    "slug": "free-malaysia-today",
    "url": "https://www.freemalaysiatoday.com/category/bahasa/tempatan/2026/09/24/bjak-special-perils-bantu-lindungi-kereta-daripada-banjir"
  },
  "original_language": "en",
  "account": "Special Perils insurance for vehicles becomes increasingly vital as Malaysia approaches the rainy season, according to data from Bank Negara Malaysia (BNM). While comprehensive car insurance may cover many risks, it often does not protect against flood damage. Special Perils insurance can include risks such as flooding, storm surges, and landslides, subject to policy terms. The interest in Special Perils insurance among BNM customers has risen from 1% in 2023 to 15% in 2026, reflecting growing demand for flood protection. The relevance of this coverage increases during the monsoon season, particularly in areas prone to higher flood risks, such as Kuala Lumpur, Kuching, and Pulau Pinang. Without Special Perils insurance, vehicle owners may have to bear the full cost of repairs after a flood. To avoid this, it is crucial to review insurance coverage before a flood occurs, not just after damage has been done. Through BJAK, vehicle owners can compare car and life insurance options from up to 16 providers, receive guidance from customer service teams, and obtain assistance throughout the claims process if their car is damaged by floods. Claim approval is subject to policy terms and the decision of the insurance company or claims manager. Vehicle owners are advised to review their policy schedule to ensure flood protection is included, especially if they have recently renewed their insurance. Those who have updated their insurance can also check whether Special Perils can be added to their existing policy, depending on the terms and conditions of their insurance company. If a vehicle is submerged in floodwaters, owners are advised not to start the engine, take pictures of the damage if safe to do so, and contact the insurance company or claims manager before arranging repairs. As the rainy season approaches, checking flood insurance earlier can help vehicle owners reduce the financial impact of unexpected flood damage.",
  "summary": "Pengambilan Special Perils oleh pelanggan BJAK meningkat daripada 1% pada 2023 kepada 15% pada 2026, menjelang musim tengkujuh ketika perlindungan banjir semakin penting.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Free Malaysia Today",
        "title": "BJAK: Special Perils bantu lindungi kereta daripada banjir",
        "url": "https://urgent.news/2026/09/24/bjak-special-perils-bantu-lindungi-kereta-daripada-banjir",
        "published": "2026-09-24T02:00:00.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}