Motor Takaful covers you against loss or damage to your vehicle due to accidental fire, theft or accident. It also covers bodily injury or death of a third party as well as loss or damage of a third party’s property. Similar to general motor insurance, there are two types of cover for a motor takaful plan namely:
 
Things I Should Know

Understanding the takaful concept in motor takaful

Coverage and exclusions

Key terms in motor takaful

Do's and don'ts for motor takaful

How to make motor takaful claims
 
What Else Can I Do?

Read our FAQs on motor takaful  

Download the booklet on motor takaful  
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Third Party Cover
This protects you against the third party’s death, bodily injury and/or property damage.
 
Comprehensive Cover

This protects you against third party’s death, injury and/property damage as well as loss and/or damage to your vehicle due to accidental fire, theft or an accident.
 
If you take on a motor takaful policy, you will contribute a sum of money to a general takaful fund in the form of participative contribution (tabarru’) and undertake a contract (aqad). You will be entitled to a share of the surplus in the fund if you did not make any claims during the period of takaful.
 
Make sure that the amount covered in your motor takaful certificate reflects the market value of your vehicle. You may check the market value of your vehicle to determine the sum insured for the motor takaful from www.carprices.com.my.
 
Generally, before making a claim, you’ll need to observe and make note of the details surrounding your accident such as the names and addresses of drivers involved as well as witnesses, and also the registration numbers, make and model of all the cars involved. As a policy holder, you will be able to make claims for the following circumstances:
 
When you are involved in a motor accident
When there is damage to your vehicle
When a third party is involved
 
A motor takaful policy also provides policy holders with a no claim discount (NCD). This allows policy holders to renew their cover at a discounted price if no claims have been made during the preceding period of the cover. However, it’s always advisable to understand your policy thoroughly , especially when it comes to exclusions and extensions to your policy.
 
 
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To gain a better understanding about your motor takaful policy, download our booklet on Motor Takaful or visit our FAQ section on Motor takaful. You may also contact a licensed takaful operator of your choice for further explanation.