This is not a best solution anyway as the coverage limit is very little.

I asked my current car insurer during renewal last year, wana add flood cover, found out the limit of cover is only 10% of sum insured or rm10k whichever is lower. So if my car is insured for rm50k, hailatt kena flood, they only pay me rm5k. Tnmcfh rm5ktak cukup to overhaul lah.

Anyway, check with your insurers. They might have a different t&c, but I don't think it would differ by much