2016 Flash flood KL
With the recent heavy downpour and torrential rain, major roads in Kuala Lumpur had been badly affected by the flash flood that hindered a majority of road users. Flash flood is defined as a general and temporary condition of partial or complete inundation of normally dry land area or two or more properties from overflow of inland waters, unusual and rapid accumulation or runoff of surface waters.

National carmakers Perodua has made an initiative to aid flash flood victims by offering assistance to all owners, who were affected by the flood in the capital city and surrounding vicinities. Perodua is providing assistance in the form of towing services, discounts on selected parts and free inspections to determine the amount of damage done to owners’ vehicles. Selected parts, which are offered at 20 percent discount, include electronic items, carpets, vehicle seats, door trims and engine gaskets. “Our customers matter most to us and these value added services are provided to help relieve some of the burden our customers have to deal with during this disaster,” Perodua President & CEO Aminar Rashid Salleh said.

On the assistance given, Aminar said that Perodua customers can claim towing service up to a maximum of RM100 (one hundred ringgit only) to the nearest Perodua service outlets. Perodua customers who are affected by the recent flash flood are advised to contact Perodua’s toll free number 1-800-88-6600 for more information.

Nissan Malaysia has also announced its Flood Relief program for customers. The program aims to assist owners whose Nissan vehicles have been damaged by the floods that have hit the areas of Klang Valley recently at Jalan Duta, Jalan Pantai Bahru, Jalan Semantan, Jalan Bangsar and Jalan Pudu. The Nissan Flood Relief Program will run with immediate effect until 30 June. The benefits include: 25 percent discount on Nissan genuine spare parts, 25 percent discount on labor charges, free towing on affected vehicles of up to RM150 and upholstery restoration with special rate at RM1,590.

Does your Car Insurance cover damages caused by flood?

The situation for car insurance, however, is not so fortunate. According to most policies in the market; even comprehensive car insurance does not protect your vehicle against damage caused by flooding. Flood coverage is an additional clause for which the policyholders would have to pay an additional premium when they sign up. However, most comprehensive car insurance in the market doesn’t even have the option to add on. Accordingly, flood is usually included as a peril or natural disaster, alongside typhoons, earthquakes and volcanic eruptions; which the insurance company doesn’t cover.

However in light of possible recurring flash floods, insurance companies are bound to include a particular clause to cover damage caused by flood into car insurance policies. The clause to cover damage caused by flood may incur additional premium for policyholders, but it is highly recommended.