Klang Valley prepares for flash floods – now is the time to opt for special risk car insurance coverage
Nearly three months after the devastating floods of late 2021, severe thunderstorms continue to batter Malaysia’s east coast, increasing the possibility of further flash floods. After being criticized for being slow in the past, local municipalities are now on full alert, with logistics and manpower ready to be mobilised.
According to The star, authorities have launched various flood mitigation efforts with the aim of reducing the frequency of floods, protecting homes and businesses. The English-language daily also said that the municipalities of Shah Alam and Klang, areas among the most affected by the floods on December 18, were using real-time data to monitor the current situation.
Shah Alam Municipal Council (MBSA) reportedly monitored its tanks and pumps in areas such as Taman Sri Muda, Taman Mesra, Kampung Kebun Bunga, Padang Jawa and Section 13 to ensure they were working as intended. Meanwhile, Klang City Council (MPK) was using CCTV cameras to monitor the floods around the clock. “A rapid response unit is on standby and we have intensified checks on the drainage networks,” said said President Noraini Roslan.
Some 34 flash flood hotspots have also been identified by the Petaling Jaya City Council (MBPJ), which has allocated RM28 million to carry out flood mitigation projects. The latter would cover incidents before, in the middle and after the floods, Mayor Mohamad Azhan Md Amir said.
In Subang Jaya, the Subang Jaya City Council (MBSJ) updated its social media platforms with flood-related alerts and activated its disaster operations room in its command center. The room has been on standby since the beginning of the monsoon season, The star reported.
As for Kuala Lumpur, the Kuala Lumpur City Hall (DBKL) has announced that it will issue alerts on its electronic notice boards if flood alerts are triggered. Its operations room at Menara DBKL 1 on Jalan Raja Laut will be activated to coordinate a response to flood victims if necessary. Local agencies and authorities are also improving and cleaning up drainage to accommodate surface runoff and prevent flooding, it has been reported.
While we’re on the subject of floods, it’s a good time to remind you to take out Special Risks insurance for your vehicle to protect you from any damage caused by water infiltration. This add-on covers natural disasters and acts of God, including floods. Check the optional box and you will be reimbursed by the insurer if your car suffers damage due to natural disasters.
We recently featured the various costs of adding special risk cover from most car insurance companies here in Malaysia including AIA, AIG, Allianz, AXA, Etiqa, Kurnia, MPI Generali, MSIG, RHB, Takaful and Tokyo Marine. The rates vary between 0.15% and 0.50% from one company to another.
For example, if you insure a car for RM50,000, you only pay RM75 with MPI Generali, while other insurers like Allianz, AXA, MSIG and Tokio Marine offer RM100 coverage. With higher rates like those provided by AIA, AIG, Etiqa, Kurnia, RHB and Takaful, the amount payable is between RM125 and RM250.
While certainly not insignificant amounts, it’s worth it if you ever need the cover, isn’t it? Click here for more details on the Special Perils add-on.