Motor Insurance Q & A (汽车保险问题解答) Insurans Bermotor-Soalan & Jawapan

Australia - Toowoomba Flood 2011.01.10

In a situation like this, will my insurance policy cover the loss and damage caused by flood? 

No if you choose a standard comprehensive cover or Third party insurance cover for your vehicle.

1. We will cover You if 
Your Vehicle is damaged or lost in the following circumstances:-
(a) by accidental collision or overturning,
(b) by collision or overturning caused by mechanical breakdown,
(c) by collision or overturning caused by wear and tear,
(d) by impact damage caused by falling objects provided no flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved,
(e) by fire explosion or lightning,
(f) by burglary, housebreaking or theft,

(g) by malicious act,
(h) when in transit (including its loading and unloading) by:
(i) road rail inland waterway

(ii) direct sea route across the straits between the island of Penang and the mainland.

Flood in JB Town (29 May 2008)

Optional & Subject to Insurer Approval and additional premium ie 5% of Sum Insured

In consideration of the payment of additional premium by You to Us the following peril(s) is/are deemed to be covered under Section A of this Policy:-
Flood, Typhoon, Hurricane, Storm, Tempest, Volcanic Eruption, Earthquake, Landslide, Landslip, Subsidence or Sinking of the Soil/Earth or other convulsion of nature.
Subject otherwise to the Terms and Conditions of this Policy.

how to avoid fight while driving

This is a joke about handling road rage and please do not try it as carrying fire arm is an offence in Malaysia.

(Riots Compilation)

RIOT (footage 1989 - 2003)

We have noted and agreed that the words “strike riot and civil commotion” in General Exception 4 of this Policy shall not apply to any accident loss damage or liability directly caused by
(1) the act of any person taking part together with others in any disturbance of the public peace (whether in connection with a strike or lockout or not) or the action of any lawfully constituted authority on suppressing or attempting to suppress any such disturbance or in minimizing the consequences of such disturbance.
(2) the wilful act any striker or locked out worker done in furtherance of a strike or in resistance to a lockout or the action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimizing the consequences of any such act.
Provided that the indemnity given by reason of this Endorsement shall not apply to any accident loss damage or liability (except so far as is necessary to meet the requirement of the Legislation) directly or indirectly proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with-
(a) War invasion the act of foreign enemies hostilities or war like operations (whether war be declared or not) civil war.
(b) Mutiny civil commotion assuming the proportions of or amounting to a popular rising military rising rebellion revolution insurrection military or usurped power or any act of any person acting on behalf of or in connection with any organisation with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence or by the direct or indirect consequences of any of the said occurrences.In the event of any claim hereunder You shall prove that the accident loss damage or liability arose independently of and was in no way connected to by or traceable to any of the said occurrences of any consequence thereof and in defult of such proof We shall not be liable to make any payment in respect of such a claim. Subject otherwise to the Terms and Conditions ofthis Policy.

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