Car Insurance Malaysia Policy Optional Covers Car Sinking into Sea|

Alright, hope you are with us as we now bring you the brief information that you need to know about your car policy and recommended optional covers which may be suitable for your circumstances.  Please read your term and conditions of our motor insurance policy or contact the insurance company for clarifications.

How often do you visit your friends in Penang island for a plate of famous Penang Char Koay Teow or a bowl of Penang Laksa or Penang Hokkien Mee?  Did you use the new Second Penang Bridge linking Batu Kawan near Bukit Tambun seafood restaurants on the mainland Peninsular Malaysia  with Batu Maung on the Penang Island or you travel through the First Penang Bridge linking Seberang Jaya, Prai to Batu Uban on the Penang Island?  Or you like to take the 15 minutes Ferry Cruise across the channel from mainland Butterworth to Georgetown on the Island near AIG Place at Georgetown, Penang?

Ask me why I asked you?  Well, if  the misfortune strikes while the  cars are on board the Penang Port operated Ferry Service, do not worry, get out of your car and get yourself safe or rescued to the shores.  Your Malaysian comprehensive motor insurance policy specifically covers your vehicle loss due to the sinking ferry while travelling directly across the channel from Butterworth to Georgetown and vice-versa.  Please remember Malaysia motor insurance policy does not cover your vehicle if you bring your car or motor vehicle to Pulau Tioman from Peninsular Malaysia if it sinks at South China Sea.

If go for holidays or on a business trip to Pulau Langkawi and you want to bring your car from Peninsular Malaysia, such as from Kuala Kedah, Kuala Perlis or from Penang Island on board a ferry, you are advised to get a Marine policy to insure you car against the perils of sea voyage at the Strait of Malacca.

However, if you choose to go on holidays aboard a ferry with your car from Penang island to Medan, Indonesia across the Straits of Malacca, you can save yourself but your car will not be covered by the car insurance policy and it is a financial loss to you.

You will need another type of insurance to cover it.  That type of insurance is the Marine Cargo Insurance.  I will share with you on that topic in another write-up.

Please do not confuse Marine Cargo insurance with Marine Hull insurance.  You can read more about each type of Marine policy at


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