Automotive Insurance

Published on April 18th, 2024 | by Sounder Rajen


This Is Why You Need To Have Special Perils Insurance For Your Car In Malaysia

Accidents like this one happen for all sorts of reasons so you need special perils insurance

Have you heard of something called special perils insurance? If you haven’t then you might want to read up on it as soon as possible, as this may truly save you a lot of headache in the future. So why do you need it? Well, here is a short story. Early in the morning 2 days ago, a few cars were parked like normal but in a matter of seconds, things took a turn for the worst.


The incident took place in the vicinity of Oc 1/2 Road, One Selayang when a parking wall collapsed, sending shockwaves through the community. The catastrophic event occurred two days ago around 8:30am, However, what transpired was far from routine, as the aftermath of torrential rain proved to be a catalyst for the structural failure.

Moreover, witnesses recount a scene of chaos and disbelief as the once-sturdy wall succumbed to the forces of nature, leaving destruction in its wake. The timing of the collapse, amidst the morning rush, magnified the potential for catastrophe, raising concerns for the safety of both pedestrians and motorists in the area.


In the wake of such a calamity, attention naturally turns to the implications for those affected, particularly vehicle owners who may have parked in close proximity to the compromised structure. The collapse poses not only a logistical challenge but also a financial one, as the potential damage to vehicles looms large.

Experts also caution that the fallout from such incidents extends beyond the immediate physical damage, emphasising the need for adequate insurance coverage. Specifically, they highlight the necessity of special perils insurance, which provides protection against unforeseen events such as structural collapses due to natural disasters like torrential rain.

That is where special perils insurance comes in as it offers a safeguard against the financial ramifications of such incidents, covering any damage sustained by vehicles in the event of a collapse. As the community grapples with the aftermath of this unforeseen disaster, attention shifts to mitigation efforts and ensuring the safety and well-being of all residents. 


Authorities are expected to conduct thorough investigations into the cause of the collapse, with a focus on preventing similar incidents in the future. In the meantime, affected individuals are urged to prioritise their safety and well-being while taking necessary steps to address any damages incurred, so please, consider getting insurance before it is too late.

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