Does Motorcycle Insurance Cover Flood and Landslide Damage?

Malaysia’s monsoon season brings more than rain. It brings flash floods, landslides, and fallen trees that can wreck your motorcycle.

Will your insurance cover the damage? The answer depends on whether you have the right protection. We already have an in-depth explanation on the types of motorcycle insurance plans, in case you missed it.

In this guide, we will explain what standard motorcycle insurance includes, why Special Perils coverage matters, and what to do if your motorcycle gets flooded or damaged by natural disasters.

Does Motorcycle Insurance Cover Flood and Landslide Damage?

Standard comprehensive motorcycle insurance in Malaysia covers accidents, theft, and third-party liability.

However, natural disasters like flash floods, landslides, and storms are not included by default.

This means if your motorcycle is submerged in water or crushed by a fallen tree, you will be paying out of pocket, unless you add Special Perils coverage.

What is Special Peril Coverage?

Special Perils is an optional (yet important) add-on that protects your motorcycle against damage caused by:

• Floods and flash floods
• Landslides and mudslides
• Storms and fallen trees
• Sinkholes and soil erosions on roads
• Other natural disasters

For riders in flood-prone areas or those who park outdoors, this add-on is a smart investment.

Does Comprehensive Motorcycle Insurance Cover Flood Damage by Default?

No. Comprehensive motorcycle insurance policy excludes water damage. Motorcycle owners are strongly encouraged to add on Special Perils benefit to their policy because flood damage often leads to severe engines and electrical issues, which can cost thousands to repair.

Is Flood Insurance Expensive?

Not at all. The Special Perils add-on for motorcycles is affordable compared to potential repair costs. It typically costs between RM10 (for 250cc and below) and RM50 (for higher cc motorcycles) per year, depending on your motorcycle’s insured value.

Think of it as a small investment for peace of mind during Malaysia’s unpredictable monsoon season.

Why Special Perils Add-On is a Must-Have for Malaysian Riders

Floods and landslides are not rare events, they happen every year, especially during monsoon season.

Even if you ride mostly in urban areas, flash floods can occur unexpectedly. Fallen trees and storm debris can damage parked motorcycles overnight.

Special Perils coverage for motorcycles ensures you are not left with a financial burden when nature strikes. It is a practical choice for riders who value their motorcycles and want protection beyond standard coverage.

What to Do When Your Motorcycle is Flooded?

If your motorcycle has been submerged or exposed to floodwater, follow these steps:

• Do not start the engine. Starting a waterlogged engine can cause irreversible damage.
• Disconnect the battery to prevent short circuits and electrical issues.
• Dry and clean the motorcycle, remove mud and moisture as soon as possible.
• Contact your insurer immediately. If you have Special Perils coverage, file a claim and provide photos of the damage.
• Get a professional inspection. Even if the motorcycle looks fine, hidden damage can be costly later.

Acting quickly can reduce repair costs and improve your chances of a successful claim.

Important Reminder for Motorcycle Riders

If your motorcycle insurance is expiring within two months, check whether you have Special Perils add-on. You can get a free motorcycle insurance quote on our website to make sure your coverage is complete before the next rainy season.

Adding Special Perils coverage is an affordable way to protect your motorcycle from seasonal risks and unexpected disasters.

‍