Be prepared to pay RM10k to fix your flood-damaged car – Special Perils insurance is an important add-on

Be prepared to pay RM10k to fix your flood-damaged car – Special Perils insurance is an important add-on

Be prepared to pay around RM10,000 (or more) in repairs should your car be damaged due to floodwaters. This is according to Johor Automobile Repairmen’s Association chairman Ku Chong Sin, who was interviewed by The Star recently.

“With many parts of Johor still experiencing floods, we expect to see cars getting towed into workshops in the next few days, depending on when the murky waters recede. Cars that have been submerged will usually have electronic damage, engine problems and foul odour apart from scratches and dents to the external body,” he said in a report by The Star.

“It costs a big sum of money to fix if the vehicle insurance does not cover floods,” Ku continued, adding that victims should expect long wait times for repairs to be carried out due to several factors.

Be prepared to pay RM10k to fix your flood-damaged car – Special Perils insurance is an important add-on

Following the disastrous floods that struck Malaysia towards the end of 2021, several car companies announced flood relief assistance programmes that discounted the cost of repairs for a certain period to ease the financial burden of owners.

The Department of Statistics Malaysia (DOSM) recently said vehicle losses due to floods amounted to RM18.8 million last year. Before that, Zurich Malaysia reported that 59% of Malaysian motorists do not have adequate protection against flood damage.

It does cost more to add on flood or special perils coverage, but the amount is relatively small when compared to your vehicle’s value and can protect you financially if the undesired happens.

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Gerard Lye

Originating from the corporate world with a background in finance and economics, Gerard’s strong love for cars led him to take the plunge into the automotive media industry. It was only then did he realise that there are more things to a car than just horsepower count.



  • Kea Was on Mar 07, 2023 at 12:46 pm

    Pity & Hopefully you all can make your claim from the previous Environmental Man who state Malaysia is not a Climate Vulnerable Country back in 2021 and then go dishing out Direct Negotiation Tender for Flood Mitigation Projects here and there while approved but little to no work carried out.

    Guess its relax la Bro project already given to Crony who simply do work while parts of the sum goes into some others bank account as found recently.

    Like or Dislike: Thumb up 8 Thumb down 0
  • Ben Yap on Mar 07, 2023 at 2:56 pm

    RM10k to repair car and the car value depreciates even more than non-flooded car. better just burn the car.

    Like or Dislike: Thumb up 2 Thumb down 0
    • Being over gungho ..A Clear and Present Danger on Mar 07, 2023 at 3:35 pm

      Depends what type of car get totally submerged in flood waters.Repairs to a Proton Vs Merc like Musang king vs Kg durian in costing.
      The engine compartment area plus electrical wiring and electronics,may even be 20-50K in replacement costs.
      So,those who,leave it to FATE,have themselves to blame for being stingy in failing to buy extra special peril coverage.

      Like or Dislike: Thumb up 3 Thumb down 1

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