What is Zurich Z-Driver Takaful?
Taking care of your car does not have to be a stressful chore. Zurich Z-Driver Takaful is a Shariah-compliant motor takaful certificate underwritten by Zurich General Takaful Malaysia Berhad, built to protect your private vehicle against accidental damage, fire, and theft.
Since it runs on takaful principles, your contribution goes into a shared General Takaful Fund (GTF) along with other participants. If the fund records a surplus at year-end, eligible claim-free participants get 50% of it shared back as a conditional gift (Hibah). The other 50% goes to Zurich Takaful as a performance reward (Ju'alah) for managing the fund.
Which cover level should I get?
| Cover type | What it covers |
| Comprehensive | Accidental damage, fire, theft, and third-party liability for injury, death, and property damage |
| Third Party, Fire & Theft | Fire damage and theft, plus third-party liability, but not accidental damage to your own car |
| Third Party | Third-party liability only: injury, death, and property damage you cause to others |
Make sure your sum covered matches your car's actual market value when you sign up. If it falls short by more than 10%, Zurich Takaful will only pay your claim in proportion to the shortfall. For example, if your car is worth RM100,000 but you only covered it for RM80,000, a RM5,000 repair claim would pay out RM4,000, not the full amount, and you would bear the remaining RM1,000.
What savings can I get on my contribution?
A few features here stand out from a typical motor takaful plan.
Low-risk segment discount. You can get up to 10% off your base contribution if you fall into a lower-risk category, such as being a cautious driver, a lady driver, or driving an SUV.
Voluntary excess discount. Agreeing to bear a larger share of any claim yourself brings your contribution down. The discount scales with how much voluntary excess you choose:
| Voluntary excess | Discount |
| RM1,000 | 5% |
| RM2,000 | 10% |
| RM3,000 | 15% |
| RM5,000 | 20% |
Special perils discount. Special perils cover, which protects against flood, landslide, and other natural disasters, comes at a 60% discount off the standard tariff rate under this plan.
Waiver of betterment. If your car is between 4 and 15 years old and needs new original parts after an accident, Zurich Takaful would normally deduct a percentage of the parts cost based on your car's age, rising from 15% at five years to 40% at ten years and above. This add-on removes that deduction, with contributions ranging from RM200 to RM400 depending on your car's age bracket.
Can I add more named drivers?
You can extend cover to additional named drivers for private use under the All Driver add-on, which costs RM20 for individually owned vehicles or RM30 for company-owned vehicles. This is not unlimited or free, but it does let you add as many named drivers as you need under one flat contribution, rather than paying per driver.
Anyone driving your car still needs your permission and a valid licence of the relevant class, regardless of whether they are formally named.
What does the Enhanced Windscreen add-on do?
Standard windscreen cover ends once you make a replacement claim. The Enhanced Windscreen add-on changes this. Instead of your cover ending, your windscreen sum covered is simply reduced by the value of the claim, and you can top it back up at any time by paying a pro-rated contribution. This means you are not left without windscreen cover for the rest of your certificate period after a single claim.
What EV-specific cover is available?
If you drive an electric vehicle, Zurich offers EV Protect add-ons:
| Claim-free years | NCD entitlement |
| Home wall charger (all risk) | RM15,000 |
| Home wall charger (standard) | RM15,000 |
| Personal liability while using EV chargers | RM50,000 |
| Portable charging cable | RM2,000 |
| Compassionate cover from public charging stations | RM20,000 |
The all-risk home wall charger option costs RM120 per year. Towing to the nearest charging station is also included, up to your existing certificate's towing limit.
What does the certificate not cover?
The base certificate will not pay out for:
- Riding under the influence of drugs or alcohol, or any other illegal act
- Cheating or criminal breach of trust
- Loss of use, consequential losses, or depreciation
- Mechanical, electrical, or electronic breakdown
- Tyre damage, unless other parts of the car are damaged at the same time
- Flood, landslide, storm, or other natural disasters, unless you add special perils cover
- Loss of electronic data
- Use outside Malaysia, Singapore, and Brunei
How does the No Claim Discount work?
Your contribution drops at each renewal for every continuous claim-free year:
| Claim-free years | NCD entitlement |
| After 1 year | 25% |
| After 2 years | 30% |
| After 3 years | 38â…“% |
| After 4 years | 45% |
| After 5 years and beyond | 55% (maximum) |
A single claim resets your NCD to zero at the next renewal. Your NCD is personal to you and does not transfer to a new owner if you sell your car. You can check your current NCD entitlement at mycarinfo.com.my before renewing.
What fees apply on top of my base contribution?
Two fixed statutory charges apply to every certificate:
- Service Tax: 8% of gross contribution
- Stamp Duty: RM10
A Wakalah fee of 29.5% of the gross contribution is also charged upfront. This covers agent commission (10%) and Zurich Takaful's management expenses (19.5%) for administering your certificate.
Cover does not begin until Zurich Takaful receives your contribution, so keep your receipt as proof.
When does the compulsory excess apply?
On top of any standard or voluntary excess, Zurich Takaful can deduct an additional RM400 compulsory excess if, at the time of the incident, you or the person driving your car:
- Is under 21 years old
- Holds a Provisional (P) or Learner (L) driving licence
- Is not named in the Schedule as a Named Driver
This does not apply to claims involving fire, explosion, lightning, theft, or third-party damage. You can also pay an additional contribution to waive this RM400 excess entirely through the Waiver of Compulsory Excess add-on.
What should I do if my car breaks down or is in an accident?
Notify Zurich Takaful within 7 days of the incident. If you are hospitalised as a result, you have 30 days. You can reach them through:
- Call 24-hour Roadside Assistance: 1-300-88-5566
- WhatsApp your location to: +603-7989 0345
- Submit an e-Request at zurich.carfix.my
You must also lodge a police report within 24 hours. For own-damage claims, your car must go to an authorised Zurich panel workshop before any repairs begin, and you need Zurich Takaful's written consent before repairs start.
What are the claim limits?
- Third-party bodily injury or death: unlimited
- Third-party property damage: up to RM3 million per incident
- Legal costs (if charged for reckless or dangerous driving): up to RM2,000
- Towing to the nearest approved repairer or safe place: up to RM200
Can I cancel early?
Yes. Send a written notice to Zurich Takaful and return your original Certificate of Takaful. If you have lost it, a Statutory Declaration will do.
For continuous renewals or replacements with a new Zurich Takaful certificate within 12 months, the refund is on a pro-rata basis. In all other cases, the short-period scale applies:
| Period covered | Refund |
| Up to 1 week | 87.5% of total contribution |
| Up to 1 month | 75.0% |
| Up to 2 months | 62.5% |
| Up to 3 months | 50.0% |
| Up to 4 months | 37.5% |
| Up to 6 months | 25.0% |
| Up to 8 months | 12.5% |
| More than 8 months | No refund |
No refund applies if a claim has been made, or if you paid the minimum contribution. The certificate also automatically lapses once you sell or dispose of your car, since your takaful interest ceases. Transferring the certificate to a new owner requires Zurich Takaful's prior consent.
What if I have a dispute?
Disputes involving RM250,000 or less can be referred to the Financial Markets Ombudsman Service (FMOS). Disputes above RM250,000 go to arbitration, with each party appointing an arbitrator and, if needed, the Asian International Arbitration Centre appointing an umpire.
