You use your vehicle every day, and it’s an integral part of your life. It serves for getting to work, cruising through the city, or running errands. Either way, you don’t want it damaged or destroyed. If that happens, you can check out your insurance policy to see if you are eligible to ask for compensation. The insurance deal can cover various situations, but that depends on the policies and add-ons you select. Did you notice the so-called S.R.C.C. add-on as an option in your insurance policy? This extra coverage serves for damages caused by Strike, Riot and Civil Commotion. Is it a smart idea to activate this add-on in your deal? Here is what you need to know before choosing it!
Strike, Riot And Civil Commotion Extra Coverage – Basic Overview
You might have chosen a comprehensive auto insurance policy that covers your vehicle from theft and damage from floods and fires. You can also research more about the coverage in case of malicious acts and vandalism. However, Malaysian insurance companies often consider Strike, Riot and Civil Commotion separate from other vandalism acts. That means you won’t be able to claim and receive compensation unless you have the S.R.C.C. add-on in your policy. The extra coverage’s name is relatively self-explanatory. It covers you in the case of the mentioned events. Now, it’s true that civil riots don’t happen often, but you can never be too safe. You’ll occasionally read the news about mob attacks, and we all remember the Low Yat riot from 2015. What if there is an important sports game and the fans go through the streets? If your car is in the way, they could damage or set it on fire. That’s where S.R.C.C. add-ons come into play.
Is It Smart To Buy The S.R.C.C.E Extra Coverage?
The crucial thing to pinpoint is the low price of this add-on policy. You’ll pay a premium of only 0.3% of the total sum insured. For example, if you insured the vehicle for RM50,000, the S.R.C.C. add-on will only cost 150RM. It’s not a hefty sum if you consider adding another layer of insurance to your car. You’re safe if Strike, Riot and Civil Commotion occur. If you frequently park in open streets, this add-on is strongly recommended. The same applies if you are living in crowded cities, park near stadiums and other busy areas. It’s much easier to get this extra coverage than follow the news for potential protests and sports events and looking for another place to park.
What To Do If Your Car Gets Damaged In A Riot?
Riots and strikes often end up in big damages to vehicles, stores, and other things in the way of the angry mob. It’s best to foresee if those events might occur. If you analyze the situation and find you have enough time, move your vehicle. However, if you notice that the rioters are already damaging your car, it’s better to run and wait in a safe location. You might not have anything to do with the matter they are protesting against, but your vehicle was there. So, try to protect yourself and find a safe place immediately. You can consider contacting the police from that location. Once the danger passes, return to your vehicle to assess the damage. Make sure to report everything to the policy within 24 hours. Don’t forget to take photos and ask someone to be your witness to what happened. The final step is filing a claim and receiving compensation for your auto insurance. At that point, you’ll realize the add-on for strikes, riots, and civil commotions have come in handy and protected you from a major budget hit.