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Why Is Flood Cover Important For Car Owners

The risk of floods is no small matter and can have a serious impact on a car owner’s financial well-being. So let’s take a look at why car owners need flood cover for their vehicles.

Flash-floods happen frequently in Malaysia

Malaysia experiences 2 monsoon seasons in a year:

  1. Southwest Monsoon season: May - September
  2. Northeast Monsoon season: November - March

This means one can expect heavy downpours to happen every year.

Flood-damaged cars can cost a bomb to repair

The worst damage to a car caused by floods can cost up to RM50,000 to repair. Cars that are fully submerged while engines are dead will not have serious damages where the cost to repair won’t be as high.

But if a car is fully submerged and car owner attempts to start the engine, the electric control unit (ECU) will be shorted out. This repair work can cost up to RM7,000 for an average car and RM30,000 for a BMW!*


* Source: The Star Online - Repairs to flood-damaged cars can cost up to RM50,000

Why MY Car Insurance?

  Third Party Cover
Comprehensive
Cover
MY Car
Insurance
(Deluxe Plan)
Third bodily injury and death; Third party property loss or damage a drawing of a face a drawing of a face a drawing of a face
Loss or damage to your car a drawing of a person a drawing of a face a drawing of a face
Damage from theft a drawing of a person a drawing of a face a drawing of a face
Damage from accidental fire a drawing of a person a drawing of a face a drawing of a face
Damage from accident a drawing of a person a drawing of a face a drawing of a face
Special perils coverage* a drawing of a person a drawing of a person a drawing of a face

* Special perils coverage covers flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil / earth or other convulsions of nature.



Besides flood cover, MY Car Insurance also offers UNLIMITED TOWING Services and other additional benefits. Find out more about MY Car Insurance here.


This content is brought to you by Chubb Insurance Malaysia Berhad, Registration No. 197001000564 (9827-A) (“Chubb”) as a convenience to readers and is not intended to constitute advice or recommendations upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Chubb does not take into account your personal objectives, financial situation or needs and any insurance cover referred to is subject to the terms, conditions and exclusions set out in the relevant policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A policy wording can be obtained at www.chubb.com/my, through your broker or by contacting any of the Chubb offices or Chubb agents. Chubb makes no warranty or guarantee about the accuracy, completeness, or adequacy of this content. It is the responsibility of the reader to evaluate the quality and accuracy of material herein.

© 2022 Chubb. Not all coverages available in all jurisdictions. Chubb® and its respective logos, and Chubb. Insured.SM are protected trademarks of Chubb.

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