Pengenalan
When you’re unfortunate enough to end up in a vehicle accident, many tend to scramble on what to do next or settle things on the side due the complications of filing claims with insurers. In fact, filing a claim with Takaful Malaysia is very straightforward. With this complete guide, you are able to file accident claim with Takaful Malaysia.
Types of Takaful Malaysia Accident Claims
| Claim Type | Description | Example Situation |
| Own Damage (OD) | Repair your own car at panel workshops | Hit a divider, damage to your own car |
| Third Party (TP) | Claim against another driver | Another car hits you and is at fault |
| Windscreen Claim | Covers windscreen damage | Front glass cracked by flying stone |
| Theft / Total Loss | Car is stolen or beyond repair | Vehicle theft or severe accident |
| Bodily Injury | Compensation for third-party injury | Passenger or other driver injured |
Step-by-Step: How to Make a Takaful Malaysia Accident Claim
1. Report the Accident
- File a police report within 24 hours.
- Get a copy of the police report as supporting evidence.
2. Contact Takaful Malaysia
- Call the 24/7 hotline or use the Takaful myClick app.
- They will guide you to the nearest panel workshop.
3. Send Vehicle to Panel Workshop
- Claims can only be processed at authorized panel workshops.
- Use towing service (usually included in your coverage).
4. Prepare Required Documents
- Police report
- NRIC & driver’s license
- Vehicle grant / ownership copy
- Takaful certificate (cover note / policy)
- Claim form (provided by workshop or Takaful Malaysia)
5. Assessment & Approval
- An adjuster will evaluate vehicle damage.
- Repair cost is submitted to Takaful Malaysia for approval.
6. Repair & Claim Settlement
- Once approved, the workshop proceeds with repairs.
- You only pay excess (if applicable) or non-covered charges.
Tips to Speed Up Your Claim
- Report to police immediately – late reports may cause rejection.
- Always use panel workshops – avoids delays or rejection.
- Keep all receipts – towing, transport, or temporary repairs.
- Avoid side settlements without consulting your insurer.
FAQ
1. How long does a Takaful Malaysia accident claim take?
Usually 7–14 working days depending on damage and document completeness.
2. Can I choose my own workshop?
Once a claim is filed, only able to send to panel workshops approved by insurer.
3. What if the accident wasn’t my fault?
Able to claim against 3rd party, police report needed for proof.
4. Do I have to pay anything?
Only the “excess” (if applicable) or charges not covered by the policy.
Kesimpulan
By following the guide provided from this article, to process and file an accident claim with Takaful Malaysia becomes much simpler. Just keep your documents handy, know the expected wait time to process specific claims to put your mind at ease without fussing on when you will be compensated. All-in-all, you can always contact your insurer directly for the status of your claim.
Read More:
How Long Does a Car Insurance Claim Take?
