🚗 水灾淹车，车险都会赔？🚗 If Your Car Gets Flooded, Will Car Insurance Always Cover It?

🚗 水灾淹车，车险都会赔？

很多人以为买了 comprehensive 水灾一定能赔 但实际上，要看有没有加： 👉 Special Perils（水灾、洪水） 没有这项： ❌ 水灾损坏，保险可拒赔 📌 不是车险没用 而是买的时候少了关键一项 #车险 #水灾理赔 #SpecialPerils #保险知识 #马来西亚车险 #买错最贵 #Elvvis讲保单

🚗 If Your Car Gets Flooded, Will Car Insurance Always Cover It?

Many people assume that if they bought comprehensive car insurance, flood damage will definitely be covered.

But in reality, it depends on whether you added:
👉 Special Perils (flood, storm, landslide, etc.)

If you don’t have this add-on:

❌ Flood damage may be rejected by the insurer

📌 It doesn’t mean car insurance is useless.
It simply means one important coverage was missing when the policy was purchased.

A lot of people only realise this after a flood happens — and by then, it’s already too late.

What to check in your policy:

• Do you have Special Perils coverage?
• Is your sum insured still appropriate?
• Are you relying on “comprehensive” without checking the actual add-ons?

Bottom line:

Not all comprehensive policies cover flood damage automatically.
Sometimes, the most expensive mistake is not not having insurance —
it’s buying the wrong one.

#CarInsurance #FloodClaim #SpecialPerils #InsuranceTips #MalaysiaCarInsurance #PolicyTips #InsuranceAwareness #ElvvisExplainsInsurance

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