MetMalaysia predicts major flooding in late November – don’t forget special risk coverage for your car insurance

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What is the weather like at home ? It’s been dark all morning here in KL and it even rained earlier – yes, in the morning. Such is the unpredictability of the weather these days for the common man. But our meteorological service has the expertise and the tools to predict the weather, and it has a warning for Malaysians.

MetMalaysia predicts that the country will face continuous heavy rains from mid-November, which could lead to major flooding at the end of the month. The impact is greater this time around because the northeast monsoon is active at this time of year, and the La Nina phenomenon will be present until early next year. This will add to the precipitation.

According to MetMalaysia chief executive Muhammad Helmi Abdullah, in October, the weather risk is only for thunderstorms that can potentially bring high winds, heavy rains and small-scale flash floods over short periods of time. He said BH that most places are expected to receive normal precipitation in October.

Generally, Malaysia will experience the change of monsoons from late September to early November.

“During this period, the weather is generally good in the morning, while from evening until early night, thunderstorms are more frequent, especially in the west coast states and in the interior of the Malay Peninsula, Sarawak (western and central) and western Sabah. The risk of flash floods is high during this period, especially in the low areas of the west coast of the Malay Peninsula,” said Muhd ​​Helmi.

Whether it’s flash flooding caused by our “usual” thunderstorms or a major event as predicted for the end of November, we need to prepare for it by having special risk insurance for our vehicles. This add-on covers natural disasters and acts of God, including floods. Check the optional box when taking out your annual car insurance and you will be reimbursed by the insurer if your car suffers damage due to natural disasters.

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It’s not super expensive. At the end of last year, we compiled the various costs of adding special risk cover from most car insurance companies in Malaysia including AIA, AIG, Allianz, AXA, Etiqa, Kurnia, MPI Generali, MSIG, RHB, Takaful and Tokio Marine. The rates vary between 0.15% and 0.50%.

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. Click on the table above for a better view.

Unless you’re driving an old, non-collectible, “disposable” car, the added cost for peace of mind is surely worth it, right?

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