{"id":9994,"date":"2026-04-29T15:11:22","date_gmt":"2026-04-29T07:11:22","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9994"},"modified":"2026-04-29T15:11:25","modified_gmt":"2026-04-29T07:11:25","slug":"no-reasonable-precaution","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/no-reasonable-precaution\/","title":{"rendered":"No Reasonable Precaution"},"content":{"rendered":"

Chris\u2019s vehicle engine damaged after driving through a flooded stretch near Shah Alam. He submitted an own-damage claim to the takaful operator for the cost of repairing his vehicle\u2019s engine.<\/p>\n\n\n\n

However, the takaful operator repudiated the claim because the engine damage resulted from the participant\u2019s deliberate act of driving through a flooded stretch of road and his failure to take reasonable precautions to prevent further damage, thereby breaching Section D \u2013 Condition 7 and Section E \u2013 Condition 7(c)<\/strong> of the policy\u2019s terms and conditions.<\/p>\n\n\n\n

PENEMUAN<\/strong><\/p>\n\n\n\n

The takaful operator referred to the following terms and conditions:<\/p>\n\n\n\n

Section D: General Exceptions – these apply to the whole Certificate<\/em><\/p>\n\n\n\n

    \n
  1. Failure to take Precaution
    Additional damages will not be paid if, after an incident or breakdown You:
    a. left Your Car unattended or failed to take proper precaution to prevent further loss or damage<\/strong>; or
    b. continue to drive Your Car in an unroadworthy condition<\/strong> before any repair is done.<\/em><\/li>\n<\/ol>\n\n\n\n

    Section E: Conditions \u2013 These apply to the whole Certificate<\/p>\n\n\n\n

      \n
    1. Other Matters
      We will only be liable to pay You any indemnity under this Certificate if You:
      Take reasonable care to avoid any situation that could result in a claim. This Certificate will not cover You if You or Your Authorized Driver are reckless i.e., where You recognize a serious risk but deliberately do not take steps to prevent it.<\/strong> This includes but is not limited to leaving Your Car unattended while unlocked or with ignition keys left in or on Your Car.<\/em><\/li>\n<\/ol>\n\n\n\n

      The loss adjuster reported that Chris was driving towards Shah Alam, during heavy rain and bumper-to-bumper traffic when he observed flooding about 50 metres ahead. Although he was unsure of the water depth, he entered the flooded area, where the water rose above the front bonnet, stalling the engine and triggered a drivetrain warning.<\/p>\n\n\n\n

      He repeatedly attempted to restart the engine, moving forward briefly before it stalled again. After force-starting the vehicle again, he continued driving approximately two kilometres home, despite the engine jerking and reduced performance, eventually parking it in the basement of his residence.<\/p>\n\n\n\n

      The findings indicated that the engine damage resulted directly from the vehicle being driven into floodwater and subsequently operated despite clear signs of engine distress. Insufficient precautions were taken to avoid the situation, and the decision to continue driving despite warning indicators and jerking showed a lack of due care.<\/p>\n\n\n\n

      Although the participant may not have fully understood the risks, he was aware of the flooding ahead. He proceeded without assessing the water depth, which fell short of the reasonable precautions a driver is expected to take.<\/p>\n\n\n\n

      KEPUTUSAN<\/strong><\/p>\n\n\n\n

      The Ombudsman upheld the takaful operator\u2019s decision as the policy\u2019s General Exceptions and Conditions require the authorised driver to exercise reasonable care and avoid operating the vehicle in an unroadworthy state or in a manner likely to cause loss.<\/p>\n\n\n\n

      <\/p>","protected":false},"excerpt":{"rendered":"

      Chris\u2019s vehicle engine damaged after driving through a flooded stretch near Shah Alam. He submitted an own-damage claim to the takaful operator for the cost of repairing his vehicle\u2019s engine. However, the takaful operator repudiated the claim because the engine damage resulted from the participant\u2019s deliberate act of driving through a flooded stretch of road […]<\/p>","protected":false},"author":4,"featured_media":9996,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-9994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies","category-insurance-takaful"],"acf":[],"yoast_head":"\nNo Reasonable Precaution - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/no-reasonable-precaution\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"No Reasonable Precaution - FMOS\" \/>\n<meta property=\"og:description\" content=\"Chris\u2019s vehicle engine damaged after driving through a flooded stretch near Shah Alam. He submitted an own-damage claim to the takaful operator for the cost of repairing his vehicle\u2019s engine. 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