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If recent heavy downpours and flash floods are anything to go by: when it rains, it really pours.    

The weather can turn in an instant, and vehicles damaged by rising waters or fallen trees during a heavy downpour are only just half of your worries as the cost for repairs from these damages can put a big dent on your wallet.  

“As a claims professional I cannot emphasise enough how important it is to always add-on special perils cover to your motor insurance. Sure, you would be spending a little extra on your motor insurance premium, but in hindsight, it is an investment that protects your vehicle against unplanned events and calamities,” said Damian Williams, Head of Claims, Allianz General Insurance Company (Malaysia) Berhad.  

“Just because you do not live in a flood-prone area, it does not mean that a flood will not happen. Every year, we see a lot of these incidents, and unfortunately, only a fraction of people can experience a claim when it comes to flood damage,” added Damian.

Allianz General offers Special Perils for 0.25 percent of the vehicle’s sum insured, which extends cover against flood, typhoon, hurricane, storm, landslide, landslip and other convulsions of nature. 

“Besides special perils, the other thing that most people skimp on is windshield cover, which is another important add-on on a motor insurance policy. Having these add-ons should not be a difficult choice, and we hope that people will make more educated choices when renewing their policies,” added Damian.

Furthermore, all Allianz General Motor Comprehensive (private car) policyholders can enjoy the benefits of the Allianz Road Rangers (1-800-22-5542) service which features a 24-Hours Helpline Assistance, the Allianz Road Ranger fleet (First Response Bike Brigade and Allianz Tow Truck), Claims Concierge Service, e-hailing Voucher, Claims Express Approval, and Vehicle Delivery.  

To learn more about Allianz General’s Motor Comprehensive insurance, visit

For further enquiries, kindly contact Allianz Malaysia Berhad via or at 1-300-22-5542, from Monday to Friday between 8.00am to 8.00pm


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