{
  "id": 9681519,
  "title": "Be prepared for the monsoon with BJAK’s special perils cover",
  "url": "https://urgent.news/2026/09/25/be-prepared-for-the-monsoon-with-bjaks-special-perils-cover",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-25T02:00:00.000Z",
  "source": {
    "name": "Free Malaysia Today",
    "slug": "free-malaysia-today-freemalays",
    "url": "https://www.freemalaysiatoday.com/category/nation/2026/09/25/be-prepared-for-the-monsoon-with-bjak-s-special-perils-cover"
  },
  "original_language": "en",
  "account": "As the inter-monsoon period approaches, Malaysian drivers face an increased risk of severe weather-related damage to their vehicles. In a recent report, it was revealed that only 4% of motorists have flood insurance coverage for their cars, with standard comprehensive policies typically excluding flood damage. The wettest weeks of the year are still to come, with the potential for heavy rainfall, flash floods, and fallen trees, particularly during peak traffic hours. To protect themselves, drivers should consider adding specialized perils coverage to their comprehensive car insurance policies. This add-on typically costs around 0.2% of the vehicle's insured value and provides protection against flood damage, landslides, and fallen trees. However, it's important to note that such coverage does not extend to wear and tear, mechanical failure, or consequential loss, and claims may be rejected if the vehicle was driven into water despite an official flood warning. Drivers should check their policy schedules to ensure the add-on is listed, avoid waiting for renewal, verify the sum insured reflects the current market value of their vehicle, and compare prices across different insurers before purchasing.",
  "summary": "Only 4% of Malaysians have flood cover for their vehicles, as most comprehensive policies exclude it by default.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Free Malaysia Today",
        "title": "Be prepared for the monsoon with BJAK’s special perils cover",
        "url": "https://urgent.news/2026/09/25/be-prepared-for-the-monsoon-with-bjaks-special-perils-cover-9683415",
        "published": "2026-09-25T02:00:00.000Z"
      }
    ]
  },
  "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."
}