🚗 越来越多人为车子加“自然灾害保障”🚗 More Car Owners Are Adding “Natural Disaster Coverage”

🚗 越来越多人为车子加“自然灾害保障”

以前大家都会觉得： “淹水不会发生在我这区啦。” 但这几年天气真的完全不一样。 你需要知道的👇 📌 1. 引擎进水 = 通常要换整粒引擎（几千到几万） 很多人以为“烘干+维修”就好，其实多数情况下 workshop 会建议直接换 📌 2. 停车场淹水也算 就算车子停在 condo、shopping mall，如果因为暴雨淹水—只要你有 Special Perils 就能申请理赔 📌 3. 不是所有车险自动附加！ 现在多数公司已经默认 “All Drivers”，但 Special Perils 还是需要自己加 📌 4. 费用其实没有大家想的那么贵 RM50–RM150 就能让你一年安心，不用担心一场大雨毁掉一辆车 马来西亚每年都有 2–3 波强降雨周期，现在就是高峰期。 📥 如果你不知道自己今年有没有加到 Special Perils，把你的保单截图给我，我可以帮你标记位置。

👉 点击这里以通过 Google Business Profile 联系我，谢谢！ #自然灾害保障 #车险必读 #暴雨季节 #淹水车 #Elvvis讲保单

🚗 More Car Owners Are Adding “Natural Disaster Coverage”

In the past, many people used to think:
“Flooding won’t happen in my area.”

But in recent years, the weather pattern has completely changed.

Here’s what you need to know 👇

📌 1. Engine water damage usually means full engine replacement
Many people assume drying and minor repairs are enough.
In reality, once water enters the engine, most workshops will recommend replacing the entire engine — costing thousands to tens of thousands.

📌 2. Basement and parking floods are covered too
If your car is flooded while parked in a condominium or shopping mall due to heavy rain, you can still claim — as long as you have Special Perils coverage.

📌 3. It is NOT automatically included in all car insurance
Many insurers now include “All Drivers” by default, but Special Perils must usually be added separately.

📌 4. The cost is lower than most people expect
With just RM50–RM150 per year, you can protect your car from being destroyed by a single heavy downpour.

Malaysia experiences 2–3 major heavy-rain cycles every year, and we are currently in the peak season.

📥 Not sure whether your policy includes Special Perils this year?
Send me a screenshot of your policy, and I’ll help you identify it clearly.

👉 Click here to reach me via Google Business.

#NaturalDisasterCoverage #CarInsuranceTips #RainySeason #FloodedCar #ElvvisExplainsPolicies