ARTIKEL
Are you a victim of flooded vehicle?
In the event that your vehicle is one of the many impacted by the floods, this is in nitty gritty what to do and how you can guarantee protection
1. Try not to start your engine. Try not to do this as it might cause significantly more harm to your motor.
2. Snap a picture; record the area, time, and date of the flood.
3. In any event, when the floodwaters die down, don't turn over the motor. All things considered, call a tow truck to take the vehicle to the closest police headquarters so you can make a report.
4. Subsequent to finishing it, you can send the report to any insurance panel workshop and make claims.
This applies assuming you have purchased extra coverage that shields your vehicle from these sorts of debacles.
Pokok Jatuh Atas Kereta, Siapa Yang Bertanggungjawab?
Malang tidak berbau. Jika kereta anda rosak
akibat pokok tumbang, adakah kereta anda
dilindungi insurans / takaful?
Jawapannya ya, tetapi ada syarat-syaratnya.
Dua perkara penting yang syarikat insurans / pengendali takaful anda akan pertimbangkan
adalah seperti berikut:
1. Apa yang menyebabkan pokok tersebut tumbang lalu
menghempap kereta anda? Syarikat insurans / pengendali takaful akan
memerlukan pengesahan tentang bagaimana kejadian pokok tumbang itu boleh berlaku. Jika pokok tersebut tumbang disebabkan oleh kerja-kerja jalan raya atau landskap oleh pihak majlis, anda boleh membuat tuntutan secara terus kepada pihak majlis atau jabatan yang berkaitan tanpa perlu membuat tuntutan insurans / takaful.
Jika pokok tersebut tumbang disebabkan oleh bencana alam seperti ribut, tanah runtuh, hujan lebat dan sebagainya, syarikat insurans pengendali takaful anda akan merujuk laporan meteorologi untuk mengesahkan kejadian tersebut. Seterusnya, tuntutan anda akan dipertimbangkan mengikut jenis perlindungan yang anda miliki. Sebagai mangsa, anda perlu membuat laporan polis dengan kadar segera untuk pengesahan berkenaan kejadian dan kerosakan kereta yang dialami.
2. Anda perlu memiliki perlindungan tambahan bagi menghadapi bencana alam. Perlindungan asas kereta yang diwajibkan kepada semua pemandu di Malaysia secara umumnya tidak melindungi kereta yang rosak disebabkan oleh bencana alam.
Jadi, anda perlu memastikan kereta anda dilindungi dengan perlindungan tambahan khas untuk kejadian bencana alam. Persediaan untuk anda menghadapi hari hujan, panas atau apa jua cuaca & Di bawah pelan Insurans / Takaful Kereta Etiga, anda disarankan mengambil perlindungan tambahan yang dikenali sebagai Manfaat Banjir Asas (Basic Flood Coverage) atau Manfaat Banjir Tambahan (Extended Flood Coverage). Anda boleh mendapatkan perlindungan tambahan ketika membuat pembaharuan insurans / takaful anda.
Jika anda ingin menambah perlindungan ini semasa perlindungan insurans / takaful masih aktif, sila hubungi syarikat insurans / pengendali takaful anda dengan segera.
does your insurance policies has coverage for flood?
Vehicle Protection/Insurance
BY SHAHRIL SABRI
DECEMBER 21, 2021
The circumstance for vehicle protection, nonetheless, isn't really lucky. As indicated by most approaches on the lookout, even extensive vehicle protection (comprehensive) doesn't secure your vehicle against harm brought about by flooding. Flood inclusion is an extra element for which you should pay an extra premium for when you join, like windshield break insurance. You'll need to uncover your vehicle protection strategy to check whether you've paid for that extra inclusion.
In any case, assuming floods are so normal in Malaysia (when a year in any event?); for what reason isn't it included naturally in all vehicle protection approaches?
It seems like 'extensive' truly isn't really exhaustive assuming we need to pay for such a lot of extra inclusion for normal misfortunes, for example, flood and windshield harm. Home protection strategies were changed to incorporate floods thinking about how inclined the nation is to encountering it, so for what reason haven't vehicle guarantors got up to speed?
Flood was incorporated as a danger close by hurricanes, tremors and volcanic ejections. While I comprehend the reason why those three would be rejected (like genuinely, where are we to try and track down a fountain of liquid magma in Malaysia to eject over our vehicles?); flood inclusion shouldn't be considered in a similar class thinking about how regularly it happens even in the center of a city carpark!
In a report by the Malaysian Save toward the start of this current year (that unexpectedly begins with notice of the 'most noticeably awful flood in 40 years' in Jan 2014, which inspires extraordinary inquiries of why we have 'the most exceedingly terrible floods' consistently however so minimal done to moderate ahead of time, yet that is an alternate point through and through), the justification behind not making flood protection obligatory was on the grounds that:
BNM said ordering the acquisition of flood cover would require an expansion in engine charges for all drivers to mirror the extra danger attempted by guarantors. "Notwithstanding, not all vehicle proprietors in Malaysia might need to buy the cover particularly assuming they feel that they are not presented to the danger of flood."
Henceforth, BNM is of the view that vehicle proprietors should reserve the privilege to pick a protection cover that is "proper to their necessities and ought to be not be made to buy protection security other than that legally necessary."
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