According to the General Insurance Association of Malaysia (PIAM), the monsoon phase which commenced on September 24th is expected to last until the end of November. Hence, the public has been urged to protect their assets from disasters such as flood damage or landslides. The Meteorological Department has claimed that the monsoon period will cause thunderstorms, heavy rain and strong winds especially in the evening and early night in parts of the country.
Policyholders are therefore advised to review their insurance policies with their insurers or insurance agents to check whether the coverage is sufficient to mitigate any serious financial impact due to the flood losses and damages.
Businesses and individuals can opt for affordable insurance products offered by insurance companies to protect themselves and their businesses against such losses.
Policyholders should be aware that standard motor and fire policies exclude this coverage against losses caused by natural catastrophes such as earthquakes, tsunamis and typhoons. However, policyholders are able to opt for flood-related losses or damage. Hence, this could be purchased as an additional extension to the standard policies.
Breaking News: Flash Floods Hit the Heart of Kuala Lumpur
According to the Kuala Lumpur Fire and Rescue department, the water level had risen as high as 3m above the ground. Also, several cars were caught in the flash floods at Lebuh Ampang which is near Masjid Jamek LRT station.
The affected locations were Lebuh Ampang; Jalan Raja Alang in Kampung Bharu; Jalan Gurney Kiri, off Jalan Semarak; Lorong Ayer Leleh 5, Taman Ayer Panas; and Jalan San Ah Wing, Kampung Semarak.
Take a look on the pictures below:
This can sound and look alarming but getting intimidated will not be the solution to the problem. Make sure you are covered sufficiently with PolicyStreet and avoid any unanticipated losses as this. As the saying goes, “Be wise today so that you don’t cry tomorrow”.
Golden tips on How to Protect your Car from Flood
#1 Rev your car
You should drive extremely slow and start revving when driving through the water. Driving hard and fast might cause the tyres to lose their traction and subsequently you would lose control of your car. To ensure that the water does not get sucked into the exhaust, keep on revving! This would blow out the excess water that might seep into the exhaust pipes.
#2 Dry up the brakes
Remember to dry up the brakes. This is because brakes will lose their efficiency when they are wet and this would pose a major safety issue. In order to dry them up, you should heat them. Apply light intermittent braking for a couple of kilometres.
#3 Go to higher grounds
If the water level is rising, it is better that you quickly drive your car to higher ground. If you find yourself encountering a flooded area, do not drive through it.
#4 Stay centred
If you have decided to drive through the flooded area, it is suggested that you drive in the middle of the road. The middle area which is known as the crown of the road is usually the shallowest and slightly elevated. This would lower down the chance of any water seeping through and potentially damaging your car.
#5 Drive slowly and meticulously
Take precautions when driving during a downpour or during the occurrence of a flash flood to protect your car from getting damaged by the water. Your visibility is at a minimum level during heavy rain which would cloud the judgement of how deep the floods are.
Keep in mind that you should drive meticulously during flood or a downpour. This is because the risk of stalling is potentially higher during these circumstances. When a little water seeps through your car engine, it could result in a stall. Do remember that a car engine is the most expensive component in a car.
To sum up, make sure you are not panicked when encountering this situation. Tonya Gobbins has once claimed that “Every problem is a gift. Without them we wouldn’t grow”. This clearly states that we should take the effort to solve the consequences as they are somehow solvable and this would make us wiser.
Steps to Add Flood Peril into your Coverage
Policyholders in flood prone areas should immediately take action by contacting their insurers as the circumstances of each case and claims are different.
As Policystreet is a financial advisor approved by Bank Negara Malaysia (BNM), you will be able to find a variety of car insurance with unbiased choices and the pricing that suits your needs!
You can purchase this coverage though PolicyStreet. As you know, PolicyStreet offers a car insurance platform where you can compare and buy directly from there!
Fill in the necessary information and click “Get Started”.
Adjust the sum insured according to your preference and choose the type of insurer you preferred to be covered.
Fill in the further details and click “Proceed”
Once you have clicked “Proceed”, you will be led to the Add Ons section. You can then add on the additional extensions that suit your needs. As highlighted in yellow, you can insure your car against flood peril. Complete up the necessary steps and click “Proceed”.
An order summary will be shown where you are able to cross-check the amount payable, additional extensions that you have added and other important information. Once checked, click “Confirm Amount”.
You will then be directed to the payment section where you will be given some options to make payment. Once you have opted for the payment option, click “Proceed” to pay.
To sum up, hope the guidelines mentioned above were clear and helpful.
Wait no more, try it now to get yourself protected and enjoy the exclusive and guaranteed deals from PolicyStreet!
At the end of the day, always be prepared for life’s uncertainties and now you know why you should. To know more about car insurance do check out our website or give us a call – we are always ready to help.
You can now drive happily without worrying!