In short
- Takaful Malaysia is a takaful operator on BJAK's panel — Shariah-compliant cover, quoted and bought the same way as a conventional policy.
- The add-on table below lists every optional benefit Takaful Malaysia sells on comprehensive private car cover, and marks the ones it includes at no extra cost.
- Product Disclosure Sheets, policy wordings and claim forms are linked at the foot of this page, each pointing at Takaful Malaysia's own site.
- Premiums are set by the insurer, not by BJAK. The only way to know what Takaful Malaysia charges for your car is to run a quote and compare it with the rest of the panel.
Key Benefits
Featured Benefits
FREE 24-hour roadside assistance program
Unlimited towing (up to 50km per trip)
On-the-spot tyre replacement
Refuel if your tank runs empty
Jumpstart or replace your battery
FREE roadside assistance program with no trip limits
Flood Towing & Cleaning
Malaysia’s weather can be unpredictable. If your vehicle is damaged by floods, flash floods, or mudslides, you’ll be reimbursed for towing and cleaning costs (one claim per coverage period).
Compensation for Repair Time (CART)
If your vehicle is being repaired after an accident, we pay you for each day it’s in the workshop — based on the insurer’s assessed repair time.
No excess, no NCD deduction
Daily allowance while your car is repaired
Important Notes
These are the key exclusions and terms you should know
CART Exclusions
CART does not apply to windscreen-only claims, delays caused by workshops, or total loss/theft cases.
Flood Towing Limit
Flood towing & cleaning is limited to one claim per coverage period.
Assessment Time
Final repair time is assessed by the insurer.
Why Choose Takaful Malaysia?
Trusted by Malaysians nationwide
Shariah-compliant protection
Affordable premiums with exclusive benefits
Strong after-claim support to get you back on the road quickly
Takaful Malaysia car insurance add-ons
Which optional benefits Takaful Malaysia offers on comprehensive private car cover, and which of them come at no extra cost. Read from the same insurer configuration the quote flow uses, so it reflects what is actually available to buy rather than what a brochure describes.- 1
- Included at no extra cost
- 9
- Available as a paid add-on
| Add-on | How to read this table |
|---|---|
| All Drivers CoverageExtends cover to any driver using your car, with no named-driver limit. | IncludedIncluded at no extra cost |
| Car Key ReplacementCovers replacing lost, stolen or damaged keys, including reprogramming. | AvailableOffered as a paid add-on |
| Compensation for Assessed Repair Time (CART)Pays an allowance for the time your vehicle is assessed and repaired. | AvailableOffered as a paid add-on |
| Windscreen CoverageCovers breakage of your windscreen, windows and sunroof. | AvailableOffered as a paid add-on |
| Flood Towing & CleaningCovers towing and professional cleaning after flood damage. | AvailableOffered as a paid add-on |
| Legal Liability of Passengers for NegligenceCovers bodily injury caused by the negligence of your passengers. | AvailableOffered as a paid add-on |
| Legal Liability to PassengersProtects you against legal action brought by passengers in your vehicle. | AvailableOffered as a paid add-on |
| Personal Accident CoveragePays out for death or permanent disability from an accident in your vehicle. | AvailableOffered as a paid add-on |
| Flood & Natural Disaster ProtectionCovers damage from flood, storm and other natural disasters. | AvailableOffered as a paid add-on |
| Strike, Riot & Civil CommotionCovers damage caused by strikes, riots and civil commotion. | AvailableOffered as a paid add-on |
| Bantuan Ikhlas Supreme - Silver PackageTakaful Ikhlas roadside assistance package for eligible vehicles. | —Not offered on comprehensive cover |
| Break-In ProtectionReimburses personal belongings stolen from your vehicle. | —Not offered on comprehensive cover |
| Current Year NCD ReliefCompensates the no-claim discount you would otherwise lose after a claim. | —Not offered on comprehensive cover |
| E-Hailing CoverExtends cover while you drive for e-hailing platforms. | —Not offered on comprehensive cover |
| EV Charger ProtectionCovers your EV charger against theft and accidental damage. | —Not offered on comprehensive cover |
| Daily Repair AllowancePays a daily allowance while your car is in the workshop. | —Not offered on comprehensive cover |
| Spray Paint ProtectionCovers the cost of spray painting during repairs. | —Not offered on comprehensive cover |
| Tyres & Rims ProtectionCovers repairing or replacing damaged tyres and rims. | —Not offered on comprehensive cover |
| Waiver of BettermentRemoves the betterment cost you would otherwise pay towards new parts. | —Not offered on comprehensive cover |
Compare Takaful Malaysia with other insurers
Motor insurance was de-tariffed in July 2017, so insurers price the same car differently on the same day. There is no insurer that is cheapest for everyone, and no way to know what Takaful Malaysia will charge for your car without asking. Compare it side by side with the rest of the panel, or read another insurer's page first.Compare all insurers side by sideOther insurers on the panel
Takaful Malaysia car insurance FAQ
Is Takaful Malaysia takaful or conventional insurance?
Takaful Malaysia is a takaful operator, so the cover is Shariah-compliant. On BJAK it is quoted, compared and bought exactly like a conventional policy, and roadtax renewal works the same way afterwards.
What add-ons can I get with Takaful Malaysia?
The table on this page lists them, separating the ones included at no extra cost from the ones priced as paid add-ons, and showing which are not offered at all. Whether a given add-on can be offered to you still depends on your vehicle, its age and your claims history.
Where can I read Takaful Malaysia's policy wording and Product Disclosure Sheet?
Both are linked at the foot of this page, along with claim forms and any panel workshop listing the insurer publishes. Every link points at Takaful Malaysia's own site rather than at a copy, so you are always reading the current version.
Is Takaful Malaysia cheaper than other insurers?
There is no insurer that is cheapest for every driver. Since de-tariffication in July 2017 each one prices on its own view of risk, so the cheapest for your car this year may not be the cheapest next year. Comparing quotes across the whole panel is the only way to answer it for your car.
How do I buy or renew Takaful Malaysia car insurance?
Start a quote on BJAK with your vehicle registration number, compare Takaful Malaysia's price against the rest of the panel, choose your add-ons and pay online. Roadtax can be renewed in the same flow once the policy is active.
- Last reviewed:
- Sources:
- Takaful Malaysia
Important policy documents
Product Disclosure Sheets, policy wordings and forms published by Takaful Malaysia.
View all on the insurer's site