Hello ,

Zest here!

Just a few days ago, on Tuesday evening, Singapore was hit by sudden rains and gusty winds, causing trees to fall. I trust that you are safe and weren’t affected in any way.

If you’re curious about what happens if your car is damaged by fallen trees or debris blown off by strong winds, read on!

Such incidents are classified as "Acts of God" by insurance companies.

Insurance companies define an "Act of God" as unavoidable events outside of human control. Natural catastrophes like earthquakes, hail, hurricanes, lightning strikes, and storms typically fall into this category.

Source: CNA

During the monsoon season, gusty winds and heavy downpours often lead to an increase in cases of trees toppling onto cars. Natural disasters like storms and floods fit the definition of Acts of God, but not all insurers cover such incidents. It depends on your policy wording.

Some policies specifically mention coverage for accidental damage caused by floods, fallen tree branches, and other natural disasters. Be sure to check your policy’s scope of coverage carefully.

An exclusion might be worded like the example shown in the image below.

If you’re wondering whether your car insurance covers such events, they may state it in a similar manner. Please refer to the image below.

In order to respect and not prejudice the insurers, I won’t be sharing the company names for these two snippets of policy wordings.

It’s worth understanding what your car insurance covers and does not cover.

Feel free to reach out if you have any questions regarding this.

Have a blessed weekend!

Best regards,

Zest Chia

Executive Wealth Consultant | Associate Estate Planning Practitioner |

Licensed General Insurance Advisory

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