马来西亚普通保险协会：全国2660万辆活跃车辆仅约13%投保洪水险，约2300万辆无专项保障
马来西亚普通保险协会（PIAM）首席执行官 Chua Kim Soon 表示，马来西亚车主的洪水保障缺口仍然很大。他估计，全国约2660万辆活跃车辆中，只有约13%、即约340万辆投保了针对洪水损害的专项保障，约2300万辆没有这类保障。
Chua Kim Soon 指出，综合汽车保险一般不自动承保洪水、风暴和山体滑坡造成的损失，这类风险通常需要另行附加名为 Special Perils 的扩展保障，并写明在保单中。他以一辆保额10万林吉特的车辆为例，估算附加洪水保障的年保费约为200至500林吉特，折合每月约17至42林吉特。
马来西亚统计局的数据显示，全国洪水损失2025年为6.369亿林吉特，低于2024年的9.334亿林吉特，但公共资产与基础设施损失由2024年的3.034亿林吉特升至2025年的3.802亿林吉特。PIAM 引用的数据还显示，该国910万户家庭中只有387万户持有房屋保险，约523万户没有房屋保险。
Chua Kim Soon 表示，车辆与财产的洪水保险仍属自愿投保，协会正鼓励车主在续保前向保险公司确认现有保障范围，并了解附加保障的费用。
PIAM: Only About 13% of Malaysia's 26.6 Million Active Vehicles Carry Flood Cover, Leaving Roughly 23 Million Without Specific Protection
Chua Kim Soon, chief executive officer of the General Insurance Association of Malaysia (PIAM), said the flood-protection gap among Malaysian vehicle owners remains large. He estimated that only about 13 percent of the country's roughly 26.6 million active vehicles, or about 3.4 million vehicles, carry specific insurance against flood damage, leaving about 23 million without that protection.
Chua said comprehensive motor insurance generally does not automatically cover damage from floods, storms and landslides. Those risks usually require an optional extension called Special Perils, which must appear in the policy. For a vehicle insured for RM100,000, he estimated the additional annual premium at RM200 to RM500, or roughly RM17 to RM42 a month.
Department of Statistics Malaysia figures put national flood losses at RM636.9 million in 2025, down from RM933.4 million in 2024, while losses to public assets and infrastructure rose from RM303.4 million in 2024 to RM380.2 million in 2025. Data cited by PIAM also show that only 3.87 million of Malaysia's 9.1 million households held home insurance, leaving about 5.23 million households without it.
Chua said flood insurance for vehicles and property remains optional, and the association is encouraging owners to confirm their existing cover with their insurer before renewal and to ask about the cost of extending it.
来源：马来西亚普通保险协会
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图片来源：图：马来西亚 Kuala Lumpur 一处被洪水淹没的街道，车辆停放在积水中（资料照片）。来源：Gary Houston，Wikimedia Commons，CC0。 / Photo: A flooded street in Kuala Lumpur, Malaysia, with vehicles standing in the water (file photo). Source: Gary Houston, Wikimedia Commons, CC0.
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