Flood Protection+: The Ultimate Solution for Drivers in Flood-Prone Areas

Floods have become a recurring and concerning phenomenon in Malaysia, posing significant challenges to individuals, communities, and vehicles. Over the past two years, the country has experienced a surge in flood-related incidents, leading to widespread damage and disruptions. Data reveals a concerning increase in flood-related incidents, with the cumulative losses incurred by vehicles due to floods last year amounting to a staggering RM18.8 million. The financial and emotional consequences of such damage are substantial for car owners.

In addition, it is important to note that car dealers are reluctant to accept flood-damaged vehicles, as the cost of repairs often outweighs the car’s value. Repairing these cars can range from RM10,000 to RM80,000, depending on the make and model. Even if repairs are possible, many car workshops refuse to accept flood-damaged cars due to the higher level of liability involved. Moreover, significant uncertainty surrounds the electronic components and engine control units.

Given these challenges and as the frequency of floods rises, it becomes imperative for car owners to prioritise comprehensive flood protection measures to safeguard vehicles and alleviate the financial strain caused by flood damage.

What is Flood Protection+?

Living in flood-prone areas can pose significant risks to your vehicle, especially during the rainy season. Floodwaters can potentially cause extensive damage to your car, resulting in costly repairs.

However, you can now enjoy peace of mind with PolicyStreet’s innovative product, Flood Protection+. This comprehensive package is specifically tailored to meet the unique needs and challenges faced by drivers living or working in flood-prone regions, ensuring that your vehicle is shielded from the damaging effects of flooding.

What is covered under Flood Protection+?

By choosing Flood Protection+ from PolicyStreet, you gain access to a range of benefits that provide comprehensive coverage and support in flood-prone areas. These benefits include:

  • Personal Accident Coverage
  • Get a payout of RM10,000 in the event of permanent disablement or death of the driver.

  • Claims for Car Repair Costs due to Flood / Landslides
  • Claim up to the Total Sum Insured to repair any car damage caused by natural disasters such as floods, landslides, or falling trees!

  • Flood Restoration Benefit
  • Get an immediate claim of RM800 in cash for mud and water removal, car interior and exterior cleaning, and minor body repairs without receipts!

  • Total Loss Claims due to Flood / Landslide
  • We will cover the total loss of your car due to flood or landslide. Claim up to your Total Sum Insured for your car.

  • FREE 24-Hour Emergency Helpline
  • We provide a dedicated helpline for you to request any roadside assistance services. We will provide the dedicated helpline number in your Cover Note.

  • FREE 24-Hour Emergency Towing Services
  • If your vehicle is immobilised due to a breakdown, you may call our 24-Hour dedicated helpline to request assistance. We will compensate for any towing surcharges for up to RM10,000.

  • FREE 24-Hour Emergency Roadside Assistance & Repair Services
  • Our roadside assistance provider will organise minor repairs on-site, and we will cover the labour costs for minor repairs. However, the cost of replacement parts shall be borne by you.

Why you need Flood Protection+

  • Comprehensive flood protection for your car
  • This package offers a comprehensive coverage plan specifically tailored for drivers in flood-prone areas. This product combines the best-of-the-best protection to shield your car from the detrimental effects of flooding.

  • Financial relief
  • When your car gets damaged due to a flood, the expenses for repairs can quickly add up, leaving you with a significant financial burden. Flood Protection+ helps ease this burden by covering the repair costs for flood-damaged vehicles.

  • Emergency assistance
  • Encountering a flood can be a daunting experience, and the aftermath can be equally challenging. This package provides support services such as emergency towing and on-site repair, ensuring you have the necessary help when you need it most.

  • Easy claim process
  • Filing an insurance claim can sometimes be a complicated and time-consuming process. However, we simplify the claims procedure, making it hassle-free for policyholders.

  • Affordable premiums
  • We understand the importance of affordability without compromising coverage. This package offers competitive premiums, starting from RM50, allowing you to obtain comprehensive flood protection for your vehicle at a reasonable cost.

What are the differences between Flood Protection+ and standard Special Perils?

Flood Protection+ protects losses only due to floods, landslides, and falling trees, while Special Perils protects losses due to any convulsions of nature, such as flash floods, storms, landslides, earthquakes, sinking of soil, etc.

How to get Flood Protection+

You can get Flood Protection+ from PolicyStreet! Take advantage of this exclusive package by renewing your car insurance with us. With PolicyStreet, renewing your car insurance is a breeze. Just follow these simple steps:

  1. Go to our website
  2. Fill up the required information
  3. Choose your preferred add-ons, including road tax renewal
  4. Pay and receive your policy through email or WhatsApp


In conclusion, Flood Protection+ provides essential coverage and peace of mind for drivers in flood-prone areas. With its comprehensive benefits, including personal accident coverage, total loss and car repair costs claims, instant cash for flood restoration, and 24-hour emergency towing and roadside assistance, this exclusive package ensures you are well-protected on the road.

Do not wait until it is too late – secure your vehicle today and be prepared for any flood-related challenges that may come your way.

Related: Female Driver Protection+: Ensuring Safety and Security on the Road | Family Protection+: Safeguarding Your Loved Ones on the Road

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