{"id":48795,"date":"2022-07-08T17:53:37","date_gmt":"2022-07-08T09:53:37","guid":{"rendered":"https:\/\/therfiles.com\/?p=48795"},"modified":"2022-12-08T23:01:25","modified_gmt":"2022-12-08T15:01:25","slug":"best-motor-insurance-with-flood-coverage-malaysia","status":"publish","type":"post","link":"https:\/\/therfiles.com\/best-motor-insurance-with-flood-coverage-malaysia\/","title":{"rendered":"5 Best Car Insurance with Flood Coverage Malaysia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"48795\" class=\"elementor elementor-48795\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a6e1be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a6e1be\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6a08e50\" data-id=\"6a08e50\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b42231 elementor-widget elementor-widget-text-editor\" data-id=\"7b42231\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Insurance coverage for damages caused by flood is usually not included in the motor\/ car insurance and car owners who wish to protect their vehicles will need to pay an additional premium amount to include the Special Perils Add-On.<\/p><br \/><p>In the event of a need to claim, here are the Steps to expedite your claims<\/p><h5>*Check with your ITO (Insurer\/ Takaful Operator) for specific instructions<\/h5><ol><li>Check the flood protection clause in your current policy\/ certificate. A copy is required for the claim.\u00a0<\/li><li>Provide supporting evidence such as photos\/ videos of the damage with the car registration number visible\u00a0<\/li><li>Make a police report with details of the damage within 24 hours\u00a0<\/li><li>Notify your ITOs or agents on your losses<\/li><\/ol><br \/><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8391684328362487\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- the r files -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-8391684328362487\"\n     data-ad-slot=\"2295541292\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><br \/><h3>MPI Generali<\/h3><p>Website: <a href=\"https:\/\/mpigenerali.com\/what-we-do\/personal\/motor\/private-car-insurance\" target=\"_blank\" rel=\"noopener\">mpigenerali.com<\/a> | \u00a0Tel: +603 2034 9888<\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-48902\" src=\"https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/mpi.jpg\" alt=\"insurance for flood car protection tariff rates perils\" width=\"370\" height=\"370\" srcset=\"https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/mpi.jpg 960w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/mpi-300x300.jpg 300w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/mpi-150x150.jpg 150w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/mpi-768x768.jpg 768w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/mpi-600x600.jpg 600w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/mpi-100x100.jpg 100w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/mpi-120x120.jpg 120w\" sizes=\"(max-width: 370px) 100vw, 370px\" \/><\/p><h4>Basic Comprehensive Private Car\u00a0<\/h4><p>Covers Loss or damage as a result of accidental collision, overturning, impact damage, fire, lightning, theft or malicious damage and third party liability for death, bodily injury and property damage, arising out of the use of the motor vehicle.<\/p><h4>Special Perils Add-on<\/h4><p>With the Comprehensive policy, subject to an additional premium, you can also choose to extend the coverage to include Special Perils: Flood, Typhoon, Hurricane, Storm, Landslip, Tempest, Earthquake, Volcanic, Eruption, Landslide, and Other convulsions of nature at 0.15% of sum insured (70% cheaper than tariff rates)<\/p><br \/><h3>MSIG<\/h3><p>Website: <a href=\"https:\/\/www.msig.com.my\/about\/news-media\/msig-motor-addon--special-perils-and-limited-special-perils\" target=\"_blank\" rel=\"noopener\">msig.com.my<\/a> | Tel: 1-800-88-6744<\/p><p>The MSIG Lady Motor Plus and the MSIG Motor Plus Plans have Full Special Perils coverage already included. If you have the <b>MSIG Comprehensive Private Car <\/b>plan, you can opt for add-on. <a href=\"https:\/\/takeiteasy.msig.com.my\/msigonline\/products\/product-landing-page.html?product=mom\" target=\"_blank\" rel=\"noopener\">Product List and Buy Online<\/a>.<\/p><h4>Add-Ons<\/h4><p>Covers the vehicle against damage caused by perils: Flood, Storm, Landslide, Landslip or Subsidence<\/p><p><strong>Special Perils<\/strong>\u00a0<\/p><p>Premium charged: 0.2% x 100% vehicle&#8217;s sum insured<\/p><p>Maximum claims payout: 100% of sum insured<\/p><p><strong>Limited Special Perils<\/strong>\u00a0<\/p><p>Premium charged: 0.5% x 25% of vehicle&#8217;s sum insured<\/p><p>Maximum claims payout: 25% of sum insured<\/p><p><img decoding=\"async\" class=\"aligncenter wp-image-48954 size-large\" src=\"https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/msig-flood-1024x549.png\" alt=\"msig flood insurance peril\" width=\"1024\" height=\"549\" srcset=\"https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/msig-flood-1024x549.png 1024w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/msig-flood-300x161.png 300w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/msig-flood-768x412.png 768w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/msig-flood-600x322.png 600w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/msig-flood.png 1353w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p><br \/><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8391684328362487\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- the r files -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-8391684328362487\"\n     data-ad-slot=\"2295541292\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><br \/><h3>Tune Protect Motor Easy Insurance\u00a0<\/h3><p>Website: <a href=\"https:\/\/www.tuneprotect.com\/products\/motor-easy-insurance\/\" target=\"_blank\" rel=\"noopener\">tuneprotect.com<\/a> | <a href=\"https:\/\/buy.tuneprotect.com\/quote\/RS_Quote_Motor?productcode=MOTOREASY\" target=\"_blank\" rel=\"noopener\">Buy Online 10% discount)<\/a> | Tel: 1 800 88 5753<\/p><p>PAY-AS-YOU-DRIVE \u2013 Up to 20% Refund (0 km &#8211; 6,000 km)<\/p><div class=\"benefit_heading\"><h4>Flood Cover (Special Perils)<\/h4><p><img decoding=\"async\" class=\"aligncenter wp-image-48855 size-large\" src=\"https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/flood_car_tune-1024x483.png\" alt=\"car insurance for flood perils\" width=\"1024\" height=\"483\" srcset=\"https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/flood_car_tune-1024x483.png 1024w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/flood_car_tune-300x141.png 300w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/flood_car_tune-768x362.png 768w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/flood_car_tune-600x283.png 600w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/flood_car_tune.png 1400w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p><\/div><p>Get extra protection for your car in the event of flood, landslides, typhoon, storm, earthquakes etc. Get covered Super Affordably at <strong>0.2%<\/strong> of sum insured.\u200b<\/p><p><span dir=\"ltr\" role=\"presentation\">In consideration of the additional premium<\/span>\u00a0<span dir=\"ltr\" role=\"presentation\">for this endorsement (Special Perils),<\/span> <span dir=\"ltr\" role=\"presentation\">the <\/span><span dir=\"ltr\" role=\"presentation\">insurance <\/span><span dir=\"ltr\" role=\"presentation\">will cover loss or damage to<\/span> <span dir=\"ltr\" role=\"presentation\">Your Car<\/span> <span dir=\"ltr\" role=\"presentation\">caused<\/span> <span dir=\"ltr\" role=\"presentation\">by <span class=\"highlight selected appended\">flood<\/span>, <\/span><span dir=\"ltr\" role=\"presentation\">typhoon,<\/span> <span dir=\"ltr\" role=\"presentation\">hurricane,<\/span> <span dir=\"ltr\" role=\"presentation\">storm,<\/span> <span dir=\"ltr\" role=\"presentation\">tempest, <\/span><span dir=\"ltr\" role=\"presentation\">volcanic<\/span> <span dir=\"ltr\" role=\"presentation\">eruption,<\/span> <span dir=\"ltr\" role=\"presentation\">earthquake,<\/span> <span dir=\"ltr\" role=\"presentation\">landslide,<\/span> <span dir=\"ltr\" role=\"presentation\">landslip,<\/span> <span dir=\"ltr\" role=\"presentation\">subsidence<\/span> <span dir=\"ltr\" role=\"presentation\">or<\/span> <span dir=\"ltr\" role=\"presentation\">sinking <\/span><span dir=\"ltr\" role=\"presentation\">of the soil \/ earth or other convulsions of<\/span> <span dir=\"ltr\" role=\"presentation\">nature.<\/span><\/p><br \/><h3>Allianz<\/h3><p>Website: <a href=\"https:\/\/www.allianz.com.my\/personal\/home-motor-and-travel\/car-and-motorcycle\/car-and-motor-comprehensive-cover.html\" target=\"_blank\" rel=\"noopener\">allianz.com.my<\/a> | Tel: 1800-22-5542<\/p><p>During the height of the floods in December 2021, the Allianz Road Rangers received requests from 1,393 customers whose vehicles were affected by the floods but of this number, only 68 had special peril cover (<a href=\"https:\/\/www.thesundaily.my\/home\/allianz-malaysia-eyes-the-underinsured-amid-pandemic-challenges-YM8853881\" target=\"_blank\" rel=\"noopener\">Source<\/a>).<\/p><h4>Special Peril Cover<\/h4><p>Covers flood and other convulsions of nature. Cost: 0.2% of the vehicle\u2019s agreed\/insured value<\/p><br \/><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8391684328362487\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- the r files -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-8391684328362487\"\n     data-ad-slot=\"2295541292\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><br \/><h3>eTiQa<\/h3><p>Website: <a href=\"https:\/\/www.etiqa.blog\/a-tree-fell-on-my-car-can-i-make-an-insurance-or-takaful-claim\/\" target=\"_blank\" rel=\"noopener\">etiqa.blog<\/a> | <a href=\"https:\/\/www.etiqa.com.my\/v2\/car-insurance-takaful?_ga=2.205880720.2050150214.1657504375-302813268.1657504375\" target=\"_blank\" rel=\"noopener\">Apply Online (Save 10%)<\/a><\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-48892\" src=\"https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/etiqa-flood.png\" alt=\"etiqa flood coverage vehicle car motor\" width=\"480\" height=\"480\" srcset=\"https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/etiqa-flood.png 720w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/etiqa-flood-300x300.png 300w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/etiqa-flood-150x150.png 150w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/etiqa-flood-600x600.png 600w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/etiqa-flood-100x100.png 100w, https:\/\/therfiles.com\/wp-content\/uploads\/2022\/07\/etiqa-flood-120x120.png 120w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><\/p><p>With Etiqa, you can add-on the Basic or the Extended Flood Coverage plan to ensure protection against natural disasters. This would include a range of events including damage caused by a fallen tree.\u00a0<\/p><br \/><p><strong>Basic Flood Coverage<\/strong> &#8211; Floods and storms | Premium: 0.25% of the total sum insured\/ covered<\/p><p><strong>Extended Flood Coverage<\/strong> &#8211; Floods, storms, landslides, hurricanes, tornadoes, volcanic eruptions and other natural disasters | Premium: 0.5% of the total sum insured\/ covered<\/p><br \/><h4>Example<\/h4><p><strong>Sum insured:<\/strong> RM30,000 | Annual Premium: RM500<br \/><strong>Option 1 &#8211; Cost of add-on Extended Flood Coverage:<\/strong> 0.5% x RM30,000 = RM150<br \/>The annual premium will be: RM650<\/p><p><strong>Option 2 &#8211; Cost of add-on Basic Flood Coverage:<\/strong> 0.25% x RM30,000 = RM75<br \/>The annual premium will be: RM575<\/p><p>If the car is damaged by flood or other natural disaster, and the cost for repair is RM10,000, this amount will be paid to the owner of the insured vehicle.<\/p><p>The requirement for a police report under the Motor special peril claim will be waived for all flood incidents from 18 December 2021 onwards, effective immediately until further notice. Customers will only need to submit a scene photo of the vehicle damaged in flood with the car registration number visible (<a href=\"https:\/\/www.facebook.com\/Etiqa\/posts\/pfbid023HLfyp6L4RHoadyqVxQrDSByTt6wf6nguCQHCr4KEBYFcj4cQHUbUmR32jiPxiMNl\" target=\"_blank\" rel=\"noopener\">source<\/a>)<\/p><br \/><h3>How is the Premium of Motor Insurance Calculated<\/h3><p>The total premium that you have to pay may vary depending on the cubic capacity of the vehicle, sum insured, no-claim-discount (NCD) entitlement, optional benefits required and the underwriting requirements of the insurance company<\/p><h4>Other fees<\/h4><p>Commission paid to the insurance intermediary (if any): 10% of gross premium<br \/>Stamp Duty: RM10.00 | Service Tax: 6% of premium<\/p><br \/><h3>Source<\/h3><p><a href=\"https:\/\/www.facebook.com\/photo?fbid=290991066396202\" target=\"_blank\" rel=\"noopener\">Bank Negara Malaysia<\/a><\/p><br \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Insurance coverage for damages caused by flood is usually not included in the motor\/ car insurance and car owners who wish to protect their vehicles will need to pay an additional premium amount to include the Special Perils Add-On. In the event of a need to claim, here are the Steps to expedite your claims [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":48892,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[413,429],"tags":[],"class_list":["post-48795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car","category-wealth"],"_links":{"self":[{"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/posts\/48795"}],"collection":[{"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/comments?post=48795"}],"version-history":[{"count":0,"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/posts\/48795\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/media\/48892"}],"wp:attachment":[{"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/media?parent=48795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/categories?post=48795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/therfiles.com\/wp-json\/wp\/v2\/tags?post=48795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}