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Kuala Lumpur, Monday, 20 December 2021 – Persatuan Insurans Am Malaysia (PIAM) and Malaysian Takaful Association (MTA) urge the public to be extra careful during the current rainy season with flash floods reported in various parts of the country. Based on recent press reports, the Government has mobilized the Armed Forces and police to assist with flood evacuation as more than 34,000 people have been displaced following severe flooding in at least seven states including Selangor. A total of 5,731 relief centers are being set up nationwide to accommodate up to 1.63 million flood evacuees if necessary for the monsoon season which started in October and is expected to end in March next year[1]. The public is advised to remain vigilant, avoid taking unnecessary risks and to protect lives, assets and properties.

As flood is an optional cover under the standard fire and motor policies certificates, all policy / certificate holders are advised to review their policy coverage to ensure that their properties are insured against flood. If necessary, policy / certificate holders are advised to contact their respective intermediaries and/or insurers or takaful operators for further advice and clarification.

PIAM and MTA wish to assure all policy / certificate holders that their members stand ready to render assistance to all policy / certificate holders affected by flood in minimizing the financial impact through expedited claims process and special considerations on a case to case basis. Policy / certificate holders are advised to contact their insurers or takaful operators for further advice as the scope of cover, terms and conditions including relief measures accorded by one insurer or takaful operator may differ with another.

In the unfortunate incident of suffering a flood loss, kindly refer to the checklist below to ensure that your insurer / takaful operator could assist to provide for an expedited claims process: –

Step 1:   Check to ensure that your policy / certificate is extended to cover flood

Step 2:   Notify your agent /intermediary with details of the loss

Step 3:   Provide complete information including all relevant supporting documentation to your insurer takaful operator including photograph if any

Step 4:   Depending on the severity of loss, your insurer / takaful operator may appoint an independent loss adjuster to assist you in filing your claim

PIAM and MTA would like to remind policy / certificate holders who are not impacted by these unfortunate flood events to take time to review their coverage to ensure that their interests are adequately protected for natural calamities like flood which is occurring on more frequent basis due to the effects and fallout from the global climate crisis.

General Insurer Companies Customer Hotline Numbers

Takaful Operator Companies Customer Hotline Numbers

[1] Hassan, H. (2021, December 20). Peninsular Malaysia hit by “1-in-100-year” rainfall, govt says amid severe flooding. The Straits Times. Retrieved December 20, 2021, from


Issued by: PIAM and MTA

Media Contact:


Persatuan Insurans Am Malaysia
3rd Floor, Wisma PIAM,

150, Jalan Tun Sambanthan,

50470 Kuala Lumpur.

Tel: +603-2274 7399

Fax: +603-2274 5910



Puan Siti Nor Kamariah Ishak

Head, Corporate Communications

21st Floor, Main Block

Menara Takaful Malaysia

Jalan Sultan Sulaiman

50000 Kuala Lumpur.

Tel: 03-2031 8160
Fax: +603-2031 8170


PIAM is the national trade association of all licensed direct and reinsurance companies for general insurance in Malaysia. Currently, PIAM has 25 member companies. More information on PIAM can be obtained from its website:


Malaysian Takaful Association (MTA) was established on November 2002 under the Societies Act 1966. It is a trade association representing all 18 licensed Takaful and Retakaful operators in the country. The objectives and the powers of MTA are to promote the interests of its members and to inculcate the implementation of self-regulation within the Takaful industry. More information on MTA can be obtained from its website: