Takaful IKHLAS Comprehensive Private Car

Have the surety of protection from injury or death to third parties, plus damage caused by accident or fire to your car and enjoy 10% rebate when you subscribe to e-IKHLAS.

Takaful IKHLAS Comprehensive Private CarOnline tax renewal
Free Drivers
0
Free Towing
up to 50km
Claim Payout
Market Value
Excess
from just RM400
Buy Online
Yes
e-Hailing
Available

Features

Cover Type
Comprehensive
0% Repair Cost
for vehicles aged 5 years and below
e-Hailing
Available.

Coverage

What can I claim from this insurance policy?

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

Claims

Takaful Ikhlas Hotline
+603-2723 9999
Roadside Assistance & Emergency Hotline
1-800-88-1186

More Information

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?

There are several factors that will affect your premium calculation. Some of them are risk assessment factors that include personal details of the driver as well. Here are some of the things that might increase or decrease your premium rates;

  • Value of the vehicle
  • Engine capacity
  • Loading
  • Sum Insured
  • Age of Driver
  • Gender
  • Occupation and Education
  • Place of Residence
  • Claim history

Of course any premium you pay will be inclusive of both SST and Stamp Duty fees.

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 when a claim has been made.