Takaful Ikhlas

Underwritten by Takaful Ikhlas Berhad

Takaful IKHLAS Comprehensive Private Car

Get the best Shariah compliant insurance for your car. Have the surety of protection from injury or death to third parties, plus damage caused by accident or fire to your car.

    • Islamic
    • 24/7 Free Towing Up To 50 KM
    • Up To 55% No-Claim Discount
    • Excess from just RM400
    • Refund On Early Cancellation
    • 24/7 Roadside Assistance

Apply online now for Takaful IKHLAS Comprehensive Private Car

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How To Claim

Who do I call to make a claim or state an emergency?

Takaful Ikhlas Hotline
 +60327239999
Roadside Assistance & Emergency Hotline
 1800881186

Features

What makes this insurance policy stand out?

Cover Type
Comprehensive
0% Repair Cost
for vehicles aged 5 years and below

Coverage

What can I claim from this insurance policy?

 
CoveragePrivate CarsCommercial CarsMotorcycles
Bodily Injury 3rd party only
Did you cause an accident where somebody got hurt?
CoveredNot coveredNot covered
Loss or Damage to Your Own Vehicle 
Claim if your car's been stolen or wrecked due to road accident or fire
CoveredNot coveredNot covered
Loss or Damage of Property 3rd party only
Negligent on the road? Give compensation to other pedestrians or motorists
CoveredNot coveredNot covered
Legal Costs 
Lawyer fees when you're the defendant in court
CoveredNot coveredNot covered
Accidental Death 3rd party only
Do not add to fatalities on the road. Stay focused behind the wheel
CoveredNot coveredNot covered
Add-on CoveragePrivate CarsCommercial CarsMotorcycles
Windscreen 
Windshield cracked, scratched, or simply broken? Claim without losing NCD
CoveredNot coveredNot covered
Car Accessories 
Claim for a stolen stereo or custom rims without losing your NCD
CoveredNot coveredNot covered
Special Perils Cover 
Driving in dangerous conditions? You're covered for floods, typhoons, and landslides
CoveredNot coveredNot covered
Strike, Riot, and Civil Commotion 
There's a riot going on! You're covered for damage
CoveredNot coveredNot covered
Legal Liability of Passengers 
Cover for bodily injury caused by your passengers
CoveredNot coveredNot covered
Legal Liability to Passengers 
Protection against legal action brought against you by your passengers
CoveredNot coveredNot covered

Frequently Asked Questions about Takaful IKHLAS Comprehensive Private Car

Things you might want to know

What is the Takaful IKHLAS Comprehensive Private Car product about?
This Takaful Certificate provides coverage against liabilities to other parties for injury or death, damage to other parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle.

What are the Shariah concepts applicable?
- Tabarru’ - means donation for the purpose of solidarity and cooperation among the Takaful Participants and to be used to help Takaful Participants in times of misfortune. In the context of Takaful IKHLAS, Tabarru’ will be allocated into the Risk Fund.
- Wakalah - means agency. In this context, it refers to a contract between Company and the Takaful Participant where the Takaful Participant authorizes the Company to manage the fund on his/her behalf, which allows the Company to charge a Wakalah fee.

How much Takaful contribution do I have to pay?
The total Takaful Contribution that you have to pay may vary depending on the no-claim-discount ( NCD) entitlement and the underwriting requirements such as age of vehicle, vehicle type and vehicle condition.
For example,

Standard cover of a 1498cc vehicleRM1,279.00 (Takaful Contributions for sum covered of RM40,000.00)
NCD entitlement (25%)RM319.75
Additional coverRM120.00 (rate of 15% for windscreen sum covered of RM800)

The estimated total Takaful Contribution that you have to pay is: RM 1,079.25 (exclusive of stamp duty).

What are the optional benefits that come with this product?
Optional benefits that you may wish to extend the coverage by paying additional Takaful Contribution are as follows,

  • Strike, riot and civil commotion.
  • Windscreen, window or sunroof damage.
  • Damage arising from acts of nature.
  • Passenger liability cover.
  • Vehicle Accessories
  • Current year no-claim-discount relief.

Duration of cover is for one year. You need to renew the Takaful Certificate annually.

Can I cancel my Takaful certificate?
You may cancel your Takaful Certificate by giving a written notice to Takaful IKHLAS. Upon cancellation, you are entitled to a refund of the pro rata Takaful Contribution, subject to the minimum Takaful Contribution of RM50.00 to be retained by Takaful IKHLAS. No refund of Takaful Contribution is allowed a claim was made.

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