Car Damaged by Fallen Tree or Storm?
You’re enjoying a teh tarik during a heavy Malaysian downpour—then you hear a loud thud. A fallen branch (or worse, a whole tree) has just landed on your car.
The real question is: will your car insurance cover it?
The "Special Perils" Secret
Most Comprehensive Insurance policies in Malaysia do NOT automatically cover natural disasters.
To be protected against events like:
Floods
Storm damage
Fallen trees or branches
Landslides
You need an add-on called Special Perils.
Without it ? you pay out of pocket
With it ? your insurer covers the damage (subject to excess)
If you find your car under a tree, don't panic. Follow these steps to ensure your claim isn't rejected:
Document Everything: Take clear photos and videos of the damage and the surrounding area (the tree, the weather conditions, and your number plate).
Make a Police Report: This is required in Malaysia for most insurance claims involving external damage.
Notify Your Insurer Immediately: Contact them before moving the vehicle (unless necessary for safety)
Pro Tip: If you’re a Drive+ Member, you’ll get guided support throughout the claims process—helping you avoid common mistakes that could delay or affect your payout.
Even with the right insurance coverage, unexpected costs and claim complexity can still be frustrating. That’s where additional support services can make a difference.
Upgrade Your Protection with Drive+ Membership
While Special Perils protects your car from the weather, Drive+ protects your bank account from unnecessary costs. Whether you are driving a Myvi or a Mercedes, these loyalty rewards are designed to keep you moving.
Upgrade Your Protection with Drive+ Membership
Why Drive+ is a Game Changer:
100% Road Tax Discount: Depending on your car's engine capacity, you could essentially get your road tax for free (capped at RM120).
Bateriku Partnership: Storms often lead to dead batteries. Drive+ members get a RM40 Bateriku voucher (RM20 discount + RM20 trade-in rebate) with free 24/7 delivery.
Claim Guidance: We provide personalized support to help you submit your insurance claims, ensuring you follow the right steps for a successful payout.
Worried about the next big storm?
Don't wait for a tree to tell you that you need better coverage. Check out our Guide to make sure you’re fully protected, or Sign up for Drive+ Membership today to start saving on your renewals!
FAQ:
1. Is car insurance the same as road tax in Malaysia?
No. Car insurance protects you financially against accidents, theft, or damage, while road tax is a mandatory government fee to use Malaysian roads. You cannot renew your road tax without having valid insurance first.
2. Does standard comprehensive insurance cover fallen trees?
Generally, no. Standard policies require the Special Perils add-on to cover storms, floods, and fallen trees. Always check your policy schedule for "Special Perils" or "Natural Disasters."
3. How do I claim for storm damage if I have Drive+?
If you are a member, simply reach out to our Customer Service. We provide Step-by-Step Guidance for claim submissions. We ensure you have the right documents and follow the correct procedure.
4. Can I get free road tax through PolicyStreet?
Yes. By joining the Drive+ Membership, you can enjoy up to 100% off your road tax (capped at RM90) and we waive all handling fees for both digital and physical renewals.
