{"id":17966,"date":"2022-02-20T19:00:00","date_gmt":"2022-02-20T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/car-insurance-flood-special-perils.html"},"modified":"2026-03-27T08:28:48","modified_gmt":"2026-03-27T00:28:48","slug":"car-insurance-flood-special-perils","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/insurance\/car-insurance-flood-special-perils.html","title":{"rendered":"Car Damaged In Floods? What You Need To Know About Claiming Insurance"},"content":{"rendered":"\n<p>It goes without saying that the recent floods in Malaysia have been one of the worst in years. The devastation has been immense\u2014tens and thousands of people have been displaced and lost their property. If you\u2019d like to relieve these victims in some way, here are some things you can consider doing for them:<\/p>\n<!--more-->\n<p><strong>Related<\/strong>: <a href=\"https:\/\/www.comparehero.my\/money-tips\/articles\/how-to-help-flood-victims-malaysia-banjir\">Want To Help #MalaysiaBanjir Victims? Here\u2019s What You Can Do<\/a><\/p>\n<p>Speaking of property and devastation, <a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2021\/12\/20\/insurers-to-help-malaysias-flood-victims-by-speeding-up-insurance-claims-pr\/2029847\">those affected by their floods will need compensation<\/a> for whatever they have lost. Now, if you already have car insurance, you\u2019re going to proceed to make a claim for the damage caused to your car.<\/p>\n<p>However, there is one important part that your car insurance policy needs to have before you can make a claim.<\/p>\n<p>Ensure you have special perils coverage<\/p>\n<p>Car insurance is mandatory for you to have if you own a vehicle in Malaysia. And PSA, even though the government has given an extension of time for people to renew their driving license and road tax during the MCO, the same does not apply to car insurance.<\/p>\n<p><strong>Related<\/strong>: <a href=\"https:\/\/www.comparehero.my\/car-insurance\/articles\/renew-car-insurance-road-tax-license\">Unlike Some Leeway For Road Tax, You Must Have A Valid Car Insurance During The MCO<\/a><\/p>\n<p>Specifically, comprehensive car insurance (as opposed to a third-party one) is extremely vital to have. You will be protected against accidents caused by you OR another person, theft, natural disasters, and so on.<\/p>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/car-insurance-flood-special-perils-01.webp?w=640&#038;ssl=1\" alt=\"car-insurance-flood-special-perils-01\" style=\"width: 680px;\" ><\/p>\n<p>But when it comes to natural disasters, you will need to purchase <a href=\"https:\/\/www.irmi.com\/term\/insurance-definitions\/special-perils#:~:text=Special%20Perils%20%E2%80%94%20property%20insurance%20that,as%20%22all%20risks%22%20coverage.\">an add-on known as special perils<\/a> together with your policy. As the name suggests, special perils is meant to cover unexpected events such as floods, landslides and thunderstorms.&nbsp;<\/p>\n<p>Unfortunately, if you didn\u2019t already have this in your policy, you will not be able to claim insurance for damages caused by floods. Not sure if your policy has it in the first place? Do get in touch with your insurance agent to find out. If your car insurance lacks this crucial add-on, now\u2019s the time to include it in your plan.<\/p>\n<p>How to make an insurance claim<\/p>\n<p>So, let\u2019s say that you do have special perils included in your insurance policy. You can now proceed to make a claim. Here are some helpful tips for you as you begin the process:<\/p>\n<ul>\n<li aria-level=\"1\">Do not start your car as soon as you find it. Don\u2019t wash or clean it immediately either. You\u2019ll need to show the damage as it is.<\/li>\n<li aria-level=\"1\">Take lots of pictures and videos. This is vital for your claim to go through.<\/li>\n<li aria-level=\"1\">Once you have sufficient proof of the damage, call your insurance hotline. These are the hotlines for the main insurance companies in Malaysia:<\/li>\n<\/ul>\n<ol>\n<li>&nbsp;Zurich : 1-300-88-6222<\/li>\n<li>Etiqa : 1-300-13-8888<\/li>\n<li>Alliance : 1-800-22-5542<\/li>\n<li>AXA Affin : 03-7989-0310<\/li>\n<li>Berjaya Sompo : 1-800-18-8033<\/li>\n<li>AM General : 1800-88-6333<\/li>\n<li>Kurnia : 1-800-88-3833<\/li>\n<li>Pacific &amp; Orient Insurance : 1 -800-88-2121<\/li>\n<li>RHB : 1-300-220-007<\/li>\n<li>Lonpac : 03-2262 8666<\/li>\n<li>Tune : 1-800-22-8863<\/li>\n<li>Liberty : 1-800-88-5005 \/ 8990<\/li>\n<li>Takaful Ikhlas : 1-800-88-1186<\/li>\n<li>Takaful Malaysia:1-800-888-788<\/li>\n<\/ol>\n<ul>\n<li aria-level=\"1\">Your insurance company will then arrange your car to be transported for repair.<\/li>\n<li aria-level=\"1\">Your car will have to be repaired by a workshop that\u2019s on the insurance company\u2019s panel.<\/li>\n<li aria-level=\"1\">Once your car is repaired, that sum will be covered by the insurance company.<\/li>\n<\/ul>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/car-insurance-flood-special-perils-02.jpg?w=640&#038;ssl=1\" alt=\"car-insurance-flood-special-perils-02\" style=\"width: 680px;\" ><\/p>\n<p>And that\u2019s pretty much what you need to know about claiming your insurance if a flood has wrecked your car. If you found this information helpful, be sure to share it around!<\/p>\n<p>Looking for a comprehensive car insurance that\u2019s suited to your budget and requirements? Tap the button below to see the best car insurance deals in Malaysia!<\/p>\n<p><a href=\"https:\/\/www.comparehero.my\/car-insurance\" role=\"button\"><br>The Best Car Insurance Promotions For You!<br><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It goes without saying that the recent floods in Malaysia have been one of the worst in years. The devastation has been immense\u2014tens and thousands of people have been displaced and lost their property. If you\u2019d like to relieve these victims in some way, here are some things you can consider doing for them:<\/p>\n","protected":false},"author":268230141,"featured_media":1637,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[556],"tags":[],"class_list":["post-17966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Car Damaged In Floods? 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Here\u2019s a quick step-by-step guide and tips on how to survive the flood season. Massive floods have hit Kelantan, Terengganu, Pahang, Perak,\u2026","rel":"","context":"In &quot;Finance Explained&quot;","block_context":{"text":"Finance Explained","link":"https:\/\/www.comparehero.my\/blog\/finance-explained"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-survive-flood-in-malaysia.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-survive-flood-in-malaysia.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-survive-flood-in-malaysia.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-survive-flood-in-malaysia.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-survive-flood-in-malaysia.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18737,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/why-flood-coverage-is-important-to-protect-your-car.html","url_meta":{"origin":17966,"position":1},"title":"Why Flood Coverage Is Important To Protect Your Car?","author":"CompareHero","date":"14 December 2022","format":false,"excerpt":"If you\u2019re living in Malaysia, \u201cflood season\u201d is a thing! With flash floods happening more frequently on the roads, your car could be jeopardized. Shockingly, it was revealed earlier this year by the General Insurance Association of Malaysia (PIAM) that only 4% of Malaysian nationwide purchased flood insurance coverage!\u00a0 \u00a0\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_floodcarinsurance-01.png?fit=1201%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_floodcarinsurance-01.png?fit=1201%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_floodcarinsurance-01.png?fit=1201%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_floodcarinsurance-01.png?fit=1201%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_floodcarinsurance-01.png?fit=1201%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18193,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/calculate-car-insurance-premium-malaysia.html","url_meta":{"origin":17966,"position":2},"title":"How To Calculate Car Insurance Price In Malaysia","author":"CompareHero","date":"7 August 2023","format":false,"excerpt":"While numerous car insurance premium calculators are available online, many Malaysians still need help with how to calculate their car insurance premiums because of their complexity. But fret not! 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