Motor Takaful Add-Ons: Optional Benefits Explained
Motor takaful add-ons provide extra protection against risks that may not be covered by your basic certificate. You can choose benefits such as windscreen, flood and personal accident cover, but availability, coverage limits and additional contributions differ between operators.
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- Compliance
- Extra protection: Add-ons cover specific risks that may not be included in your basic certificate.
- Not everything costs extra: Some plans include complimentary benefits, while others require an additional contribution.
- Operators differ: Compare the benefits, coverage limits and conditions before choosing a plan.
How motor takaful add-ons work
An add-on is an additional benefit attached to your motor takaful certificate. Depending on the operator, you may need to pay an extra contribution to include it.
Some benefits may already be included in your plan at no extra contribution. For example, Takaful Malaysia and Takaful IKHLAS provide certain personal accident benefits in their respective plans.
Takaful also differs from conventional insurance in how contributions are managed. Participants contribute to a shared risk fund through the concept of tabarru', while the operator manages the arrangement under a wakalah contract.
New to takaful? Read our guide on how motor takaful works.
Common motor takaful add-ons compared
We reviewed the private car product disclosure sheets (PDS) from Takaful Malaysia (myMotor), Takaful IKHLAS and Zurich Takaful (Z-Driver).
| Benefit | Takaful Malaysia | Takaful IKHLAS | Zurich Takaful |
|---|---|---|---|
| Windscreen | ✓ | ✓ | ✓ |
| Special perils | ✓ | ✓ | ✓ |
| Flood towing and cleaning | ✓ | - | ✓ |
| Strike, riot and civil commotion (SRCC) | ✓ | ✓ | ✓ |
| Legal liability to passengers | ✓ | ✓ | ✓ |
| Legal liability of passengers for negligence | ✓ | ✓ | ✓ |
| Personal accident (PA) | Included / optional enhancement | Complimentary participant PA | Optional |
| Compensation for Assessed Repair Time (CART) | ✓ | ✓ | ✓ |
| Key replacement | ✓ | - | ✓ |
| NCD relief | - | ✓ | ✓ |
Note: ✓ means the benefit is listed in the PDS reviewed, while - means it was not listed in the document reviewed. This does not mean the benefit is unavailable under other plans or endorsements. Actual coverage is subject to the certificate terms.
Protect your car
Windscreen cover
Windscreen cover helps pay for eligible windscreen or window glass repairs and replacement. Check the sum covered, as it may affect your additional contribution.
Special perils cover
Special perils cover protects your car against specified natural disasters, such as floods, storms and landslides. Check which events are covered and the amount payable, as coverage levels may differ.
Flood towing and cleaning
Flood towing and cleaning helps with towing and cleaning after your car is affected by floodwater. This benefit is listed in the Takaful Malaysia and Zurich Takaful documents reviewed.
Strike, riot and civil commotion (SRCC)
SRCC cover protects against eligible damage caused by strikes, riots or civil commotion. Check your certificate conditions to understand which events qualify.
Key replacement
Key replacement cover helps pay for replacing eligible lost or damaged car keys. It can be useful if your vehicle uses an expensive smart key.
Protect drivers and passengers
Legal liability to passengers
Legal liability to passengers protects you against legal claims if a passenger is injured or killed and holds you responsible. This is different from personal accident cover, which pays eligible benefits to covered individuals. Check whether you need an extension before driving into Singapore.
Legal liability of passengers for negligence
Legal liability of passengers for negligence covers certain legal liabilities arising from negligent acts by passengers. It is separate from cover for injuries to passengers themselves.
Personal accident (PA)
Personal accident cover provides benefits for eligible accidental death or permanent disability. The people covered and benefit amounts differ by operator. For example, Takaful Malaysia provides basic PA benefits for drivers and passengers, while Takaful IKHLAS provides complimentary PA for the participant. Check whether PA is already included before paying for additional protection.
All Drivers cover
If family members or friends also drive your car, check whether your certificate includes All Drivers cover. Depending on the operator, this may cover additional authorised drivers or waive the compulsory excess for an unnamed driver. Other excess conditions may still apply.
Benefits after an accident
Compensation for Assessed Repair Time (CART)
CART provides a daily allowance based on the assessed repair time after an eligible claim. The daily amount and number of days depend on the benefit selected and certificate terms. For example, Takaful Malaysia's February 2026 PDS shows a benefit of RM50 per day for seven days.
NCD relief
NCD relief provides a specified benefit to help offset the financial impact of losing your No Claim Discount (NCD) after an eligible claim. However, it does not necessarily prevent your NCD record from changing. Check the benefit amount and conditions before adding this protection.
Frequently asked questions
The types of protection are often similar, such as windscreen, flood and passenger liability cover. The main difference is how takaful contributions are managed through a shared tabarru' fund under the operator's wakalah arrangement.
No. Takaful Malaysia, Takaful IKHLAS and Zurich Takaful offer different benefits, coverage limits and conditions. Some benefits may also be available only under selected plans.
Choose based on your needs and the risks you face. For example, special perils may be worth considering if you live in a flood-prone area, while All Drivers cover may be useful if other people regularly drive your car.
Check what is already included in your certificate before selecting additional benefits. This helps you avoid paying twice for similar protection.
Choose protection that suits your needs
You do not need every add-on available. Compare the benefits, additional contributions and coverage limits before making your decision.