Flood Assistance, Protection & Claims
With the increasing unpredictability of weather, the need for preparation has become more pressing to ensure we can offer ample assistance when it's most crucial. This page serves as your all-in-one resource for flood-related assistance, designed to provide you with the information necessary when a flood occurs.
Frequently Asked Questions
I need help! My home, car or motorcycle is flooded. What should I do?
Don’t panic, stay calm. Here's what you should prioritise doing:
- If you are at home, turn off the main switch to prevent a short circuit and get to higher ground if sharp objects are floating around.
- If floodwaters rise around your car, abandon your car and move to higher ground if you can do so safely. Don’t drive into a flooded area as you and your car can be swept away. The same goes for your motorcycle if you are unable to bring it to higher ground.
You can call the following 24-hour hotlines for assistance in the event of a flood:
- Rakan Auto hotline: 1-800-18-8033 for car breakdown and towing services
- SOMPO Motorcycle policyholder: 1-300-88-2323 for motorcycle breakdown and towing services
- Flood Loss Claims hotline: 1-800-18-8010 for non-motor policy claims
- Download the MySOMPO app for Roadside Assistance
I am unsure whether my product covers damages from flood, how can I check?
Please check the Check If You Are Covered section below.
I am currently a policyholder of Berjaya Sompo Insurance and would like to make claims for my damaged vehicle/home. Help me!
Please visit our Claims & Support page to learn more.
I am worried that my vehicle / home will be flooded again. What kind of products do you offer to protect against potential financial losses?
Please check the Check If You Are Covered section below.
What should I do before a flash flood?
Please check the Essential Tips section below.
Check If You Are Covered
Unsure whether your policy with us covers damages from the flood? The following products and coverage/benefits add-ons listed below would cover damages caused by the flood.
For further information, please reach out to your friendly agents.
For other inquiries or assistance, please contact our Customer Service at 1-800-88-9933, 8.30 a.m. - 5.00 p.m. (Monday to Friday), email us at customer@bsompo.com.my, or chat with us via Facebook message @berjayasompoinsurance.
Personal Insurance
Protection for Home
| SOMPO Home Content |
| Covers your home contents (household goods and personal effects) against loss or damage by all risks, including flood, with no penalty on underinsurance. Policyholders do not need to submit receipts of items when submitting claims about damages caused by the flood. |
| SOMPO HomeNOW |
| Covers your home contents (household goods and personal effects) against loss or damage by all risks, including flood. Policyholders do not need to submit receipts of items when submitting claims about damages caused by the flood. There’s a limit for individual items. |
| Houseowner / Householder / Home Care |
| Covers loss or damage to your building or contents by flood, but exclude loss or damage caused by subsidence or landslip, except as a result of an earthquake or volcanic eruption. |
Note: There may be other products available for purchase. Please speak to our Customer Service for more information.
Protection for Car
| SOMPO Motor / SOMPO MotorSafe |
| Special Perils Coverage is included in the Basic Policy, covering up to the sum insured for loss or damage to your vehicle caused by floods, typhoons, storms, and other natural disasters. This gives policyholders full protection against these events. |
| Private Motor |
| Inclusion of Special Perils (only applicable to Comprehensive Cover) with additional premium available for customers to choose from. |
Protection for Motorcycle
| SOMPO Motorcycle, Motorcycle Insurance (Comprehensive Cover) |
| Opt for Special Perils Add-On full coverage from as low as RM10, including flood. |
Hospitalisation due to Accidents/Illnesses
| SOMPO Health |
| Covers hospitalisation & surgical expenses due to flood accidents and illnesses (e.g. Malaria, Diarrhea, Typhoid, Dengue, Appendicitis, etc.) with renewal up to 100 years old. |
| Ultima Care |
| A 24-hour worldwide protection that covers Accidental Death or Accidental Permanent Disablement should an unfortunate event (e.g. flood) causes death, injury, or permanent disability. With an additional premium, policyholders can be covered for treatment due to an accident. |
| Ultima V3 |
| Covers Accidental Death or Accidental Permanent Disablement on top of other benefits, which include but are not limited to all natural disasters, exposure to the elements as a result of an accident, and insect & animal bites that cause immediate injury. |
| SOMPO Premier PA |
| A premium personal accident insurance plan provides coverage of up to RM3.5 million for accidental death, permanent disablement, or other losses caused by natural disasters. It also offers bereavement benefits of up to RM20,000 for deaths caused by Dengue, Malaria, Japanese Encephalitis, Zika, and Chikungunya. These diseases often increase during floods due to stagnant water and poor sanitation that create ideal conditions for mosquito breeding. |
Bancassurance Products (Distributed and sold by CIMB Bank)
Protection for Home
| Home Safe Plus |
| Provides comprehensive protection for your building(s), home contents and mortgage loan installments. |
| Secure Home |
| Insurance plan that covers household goods and personal belongings against loss or damage by all risks, including fire, lightning, flood, theft, accident and more. Personal belonging refers to personal items for your personal use, for example, clothing, a watch or a wallet. |
| Houseowner / Householder |
| This policy provides coverage for your building against loss or damage by fire, lightning, explosion, flood, burst pipe or any perils mentioned in the insurance policy. |
Protection for Car
| Secure Motor |
| Secure Motor is a Private Car Comprehensive Insurance policy, which offers better coverage to meet your needs on the road. Special Perils Coverage included without additional premium – claim amount up to 10,000 or 20% of the Sum Insured, whichever is lower for any loss or damage to your vehicle caused by flood, typhoon, hurricane, storm, tempest or other convulsions of nature. With an additional premium, policyholders can be covered for the full convulsion of nature. |
Customer Service Charter
At Berjaya Sompo Insurance Berhad, our mission is to make insurance easy for you. We are dedicated to creating a positive customer experience through accessible information, clear product features, convenient payment methods, and a hassle-free claims process. These principles serve as the foundation of our Customer Service Charter at Berjaya Sompo Insurance. Find out more about our Customer Service Charter here.
Essential Tips
Preparing For Floods
Many overlook the significance of owning waterproof dry bags, yet they can be invaluable when preparing for a flood. These affordable bags safeguard your crucial documents and essential medications, providing peace of mind for you and your loved ones. However, remember that they're just the second most critical preparation. The top priority? Insuring your home's contents. When the waters rise, your focus should be on your family's safety, not your possessions.
Protect your home contents today with SOMPO Home Content.
Don't Wait For Flood Waters To Rise
In the event of a flood, always prioritise your safety and that of your family by taking only the essentials, evacuating promptly, and resisting the urge to dwell on the belongings you may leave behind. Your family's well-being is irreplaceable, while your home can be rebuilt, especially when it's safeguarded by Home Care Insurance.
Don't Forget to Pack Drinking water
Always prioritise your survival by choosing drinkable water over saving precious belongings. Your well-being is irreplaceable, while the items lost in a flood can be replaced, especially when your home is safeguarded by a Houseowner/Householder policy.
Returning Home After a Flood
Please follow official guidance before returning home. Before reactivating electrical circuits, gas, and water sources, take the time for thorough inspections. Stay alert to your surroundings, including potential hazards like insects and wildlife, such as snakes. Most importantly, assess any damages and lost belongings meticulously before starting the insurance claims process. Remember, we're here to support you every step of the way. Protect the livelihood of your home from floods with Home Care Insurance