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Car insurance have absolute right that they don't compensate your car if its in Kelantan for this period of time. If not everyone buy then purposely park at Kelantan to claim? Insurance company will not entertain such claim.
Even if you buy natural disaster for flood in Kelanta houses, insurance will check your location first. If it's yearly thing, they also won't insured, unless your area in Kelantan is never flood before and less risk, then yes they will acknowledge it. If it's yearly flood, it won't be entertained.
