by AdminWhat Is Special Perils Coverage?
Ever come across terms like “Inclusion of Special Perils”, “Convulsions of Nature”, or “Limited Act of God Cover” in your motor insurance?
These aren’t fancy add-ons — they’re your car’s safety net against natural disasters.
💥 What does it cover?
Without this extension, damage caused by:
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🚿 Flash floods
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🌪️ Storms
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🌊 Landslides
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🌋 Earthquakes
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🌀 Other natural disasters
…is not covered under a standard comprehensive policy.
In other words, if Mother Nature gets angry — you’ll be footing the bill yourself.
🤔 Why is it confusing?
Different insurers give this cover different names:
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Inclusion of Special Perils
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Convulsions of Nature
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Limited Act of God Cover
But they all aim to protect your vehicle from natural catastrophes.
However, each insurer’s wording and coverage details may differ. Some may include flood but exclude landslip, for example.
📝 So what should you do?
Before you skip this add-on to save a few ringgit:
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Think about the weather.
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Think about your location.
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Think about your wallet after a flood.
For more clarity:
✔️ Check your Policy Wording
✔️ Talk to your insurer or agent
Don’t wait until your car is half-submerged in water to find out you’re not covered.