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Frequently Asked Questions (FAQ)

Here are the frequently asked questions regarding Motortafakul insurance. If you have other enquiries, please do not hesitate to contact us.

What is Motor Takaful?

Motor Takaful is protection that 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.

Here's how it works: You contribute a sum of money to a general Takaful fund in the form of participative contribution (tabarru') and undertake a contract (aqad). You are then entitled to a share of the surplus in the fund (should there be any) in the event that you did not make any claims during the period of takaful.

What are the true principles of Takaful?

Policyholders cooperate among themselves for their common good. Every policyholder pays their subscription to help those who need assistance. Losses are divided and liabilities spread according to the community pooling system.

Uncertainty is eliminated in respect of subscription and compensation. Takaful does not derive advantage at the cost of others.

What do I do if I am involved in an accident?

It's important that you make a police report within 24 hours.

Contact any representative or the nearest Etiqa branch.
Contact any certified Etiqa panel workshop.
Contact 1 300 88 1007 to enquire about your claims process/status.

What is the difference between Takaful and Conventional Insurance?

While the end goals of insurance and takaful are similar (to provide financial cover against risk - such as in the event of an accident), there are subtle but important differences between the two concepts. Where conventional insurance is governed by purely commercial considerations, takaful describes a system based on mutual co-operation and shared responsibility.

Takaful products are governed by the Syariah Advisory Council, and must therefore adhere to certain Islamic principles, the most important of which are that they must be free from elements of gharar (uncertainty) in respect of premium and coverage, maisir (gambling) and riba (interest).

What should I put as the sum insured for my vehicle?

For new vehicles, the sum insured is the purchase price. For other vehicles, the sum insured is the market value of the vehicle when the policy is bought.

Where can I find the market value information for my car?

Motortakaful.com's automated online sign up process will help you check the market value of your car automatically! Or you can search similar cars on Carlist.my that will give you a rough idea of the market value of your car.