Danga Bay flash flood – the end-2022 monsoon season is here, get special perils car insurance add-on!

The first floods of the end-2022 monsoon season is here, as social media users have reported flash floods happening in Danga Bay Johor this morning.

MetMalaysia predicts that we will face continuous heavy rains from mid-November, but it already starting to flood right now in end-September. Things might get seriously bad in mid-November. The impact is more significant this time around as northeast monsoon is active that time of the year, and the La Nina phenomenon will be present till early next year, which will add to rainfall.

If you have not seen any significant efforts by authorities to improve drainage in areas that have faced heavy flooding the same time last year, you have to be prepared it will happen again.

We must be prepared to face the same floods again.

This is just a reminder that if you live or travel through a flood-prone area and your motor insurance does not have special perils add-on, your insurance policy will not cover damage caused by flood, which is classified as an act of God.

Danga Bay flash flood – the end-2022 monsoon season is here, get special perils car insurance add-on!

Click to enlarge.

It’s not super costly. We tabulated the extra cost of adding on Special Perils coverage from a few auto insurance companies in Malaysia, including AIA, AIG, Allianz, AXA, Etiqa, Kurnia, MPI Generali, MSIG, RHB, Takaful and Tokio Marine. The rates vary between 0.15% to 0.50%.

For example, if you’re insuring a car for RM50,000, you’re paying as little as RM75 with MPI Generali, while other insurance providers like Allianz, AXA, MSIG and Tokio Marine offer the coverage for RM100. With higher rates like those provided by AIA, AIG, Etiqa, Kurnia, RHB and Takaful, the payable amount is between RM125 to RM250. Click on the table above for a better view.

Looking to sell your car? Sell it with myTukar.

Tags: ,

10% discount when you renew your car insurance

Compare prices between different insurer providers and use the promo code 'PAULTAN10' when you make your payment to save the most on your car insurance renewal compared to other competing services.

Car Insurance
Car Insurance

Paul Tan

After dabbling for years in the IT industry, Paul Tan initially began this site as a general blog covering various topics of personal interest. With an increasing number of readers paying rapt attention to the motoring stories, one thing led to another and the rest, as they say, is history.



  • Ghani on Sep 25, 2022 at 7:08 pm

    Danga Bay, as the name implies, is close up to the open sea. During monsoon season, tides of up to 5 meters is expected to make landfall. This is a yearly event so if Johorians whom had been staying there for some time are not prepared, they are just asking for it. Not just Johor but those living along the East Coast to Pahang, Kelantan & Terengganu states would have been prepared if they know what’s good for them.

    Like or Dislike: Thumb up 11 Thumb down 1
    • in shark all raw on Sep 26, 2022 at 10:45 am

      the sole reason why native ancestor at southeast asia stays on high ground clearance stilts cottage house and mode of transport is sampan or buffalo cart during dry season.

      Like or Dislike: Thumb up 6 Thumb down 0
  • tricycle on Sep 26, 2022 at 7:45 am

    Still want to go for election at this flood “season”? I hope they care about the well being of others who are affected by the flood first.

    Like or Dislike: Thumb up 5 Thumb down 5
    • Bob Mal on Sep 26, 2022 at 11:22 am

      Well it is all well and dandy, didn’t the environmental man told us Malaysian just barely a year ago that we are not a Climate Vulnerable Country to join with.

      Like or Dislike: Thumb up 3 Thumb down 2
    • Resurgent Rafizi and Co on Sep 26, 2022 at 1:26 pm

      His Royal Highness YDPA,we humbly request Tuanku to issue decree that no election shall take place even after parliament is dissolved,until the weatherman gives a clear sign that hotter days are in store,maybe after CNY 2023.
      No one will risk their lives to wade thro flooded roads,while seeing their homes experience another Sri Muda 2.0.
      Can u imagine your car wrecked by flood waters on the way to polling centre,and u arrive home in a sampan to find your house in 5 ft of water?
      Those politicians must be mad to advocate polls during monsoons.

      Like or Dislike: Thumb up 2 Thumb down 35
      • Raja says: Exactly last year when Muhyiddin was doing fine and dandy as PM, you Opposition folks were campaigning for his ouster and to change the Government with your “Kerajaan Gagal” campaign, demanding for new elections right around October month.

        And now when rakyat sentiments are against you and you have nothing to talk about with Pak Najib in jail, you want to delay the elections and no more pushing for return of “mandat rakyat”? Where is people power and democracy or is that also for you to manipulate?

        You can fool some most of the time, you can fool most some of the time, but you can’t fool royalty any time.

        Like or Dislike: Thumb up 25 Thumb down 2
        • Casual reader on Sep 26, 2022 at 5:51 pm

          Fully support YDPA to return mandat rakyat and have elections now. Isnt that what Pakatan? So why the uturn?

          Like or Dislike: Thumb up 2 Thumb down 0
  • Merpati maverick on Sep 26, 2022 at 1:35 pm

    High time banks mandate compulsory special peril coverage for comprehensive car insurance for all cars under financing.
    Imagine a guy with a Rm100,000 hire purchase loan,suddenly got his X70 wrecked totally by flood waters?
    That dude will face bankruptcy proceedings from the bank if he cant settle the loan,since he cant claim a dime and he needs to buy another car to go work.

    Like or Dislike: Thumb up 4 Thumb down 1

Add a comment