Takaful IKHLAS Motor: Cover and Pricing
Looking for motor takaful from Takaful IKHLAS in Malaysia? The right plan can help protect your car against covered accidents, fire, theft and third-party claims.
Your takaful contribution depends on your vehicle, No Claim Discount (NCD), coverage type and optional add-ons. Compare the available options before deciding which protection suits your needs.
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What is Takaful IKHLAS Motor takaful?
IKHLAS Private Car Takaful is a Shariah-compliant vehicle protection plan offered by Takaful IKHLAS General Berhad. Coverage depends on the selected plan, which may include comprehensive, Third-Party, Fire and Theft, or third-party-only protection.
Read the IKHLAS Private Car Takaful Product Disclosure Sheet to understand the benefits, contribution, exclusions and coverage terms.
What does Takaful IKHLAS Motor cover?
The main motor coverage options differ in the protection they provide.
| Coverage type | What it covers |
|---|---|
| Comprehensive | Eligible damage to your own car, fire, theft and third-party liability. |
| Third-Party, Fire and Theft (TPFT) | Third-party liability, plus covered fire and theft involving your car. |
| Third-party only | Third-party bodily injury, death and property damage for which you are legally liable. |
Comprehensive cover generally offers broader protection for your car, but exclusions and excess may apply. Refer to the IKHLAS Private Car Takaful Product Disclosure Sheet for details of the benefits and coverage terms.
How much does Takaful IKHLAS Motor takaful cost?
There is no fixed price for every car. Your contribution depends on several factors.
| Pricing factor | How it affects your price |
|---|---|
| Car make, model and age | Helps determine your vehicle's risk profile and value. |
| Sum covered | Affects the amount of protection provided. |
| NCD | Eligible discounts can reduce your contribution. |
| Coverage type | Different plans offer different levels of protection. |
| Optional add-ons | Additional benefits may increase the price. |
To check your estimated cost, use the BJAK insurance calculator. Review the total contribution, benefits and exclusions rather than choosing based on price alone.
What add-ons can you get?
Depending on the product and eligibility, additional protection may be available for specific risks.
| Optional cover | What it protects against |
|---|---|
| Special Perils | Specified natural disasters, such as floods, subject to the cover selected. |
| Windscreen protection | Eligible windscreen damage within the applicable limit. |
| Strike, Riot and Civil Commotion (SRCC) | Specified losses caused by covered events. |
| Legal Liability to Passengers | Certain legal liabilities involving passengers. |
| Personal Accident (PA) | Specified accidental injury or death benefits. |
Availability and limits vary by plan. For example, if you drive in a flood-prone area, check whether Special Perils cover is available and what exclusions apply.
How does NCD affect your contribution?
Your No Claim Discount (NCD) can reduce your motor takaful contribution if you qualify. The standard private car NCD scale in Malaysia generally reaches 55% after five claim-free years.
| Claim-free period | Private car NCD |
|---|---|
| 1 year | 25% |
| 2 years | 30% |
| 3 years | 38.33% |
| 4 years | 45% |
| 5 years | 55% |
Your actual entitlement may vary, and the discount may not apply to every add-on, fee or tax. Use the BJAK NCD Checker to check your entitlement.
How to get a Takaful IKHLAS Motor takaful quote
Follow these steps to compare your options:
Step 1: Prepare your details
Have your vehicle registration number and other requested information ready.
Step 2: Choose your coverage
Decide whether comprehensive, TPFT or third-party-only protection suits your needs.
Step 3: Check your NCD
Confirm your eligible discount.
Step 4: Compare benefits and prices
Review the contribution, limits, excess and exclusions.
Step 5: Complete your purchase
Follow the provider's or platform's instructions and check when your cover begins.
You can compare car insurance on BJAK to review the available options for your vehicle.
Frequently asked questions
Yes. Takaful IKHLAS offers motor takaful based on Shariah-compliant principles. Refer to the relevant product documents for details.
Comprehensive cover generally protects against more risks, including eligible damage to your own car. Third-party-only cover provides more limited protection. Choose based on your needs and budget.
Special Perils cover may be available, depending on the product. Check its terms, limits and exclusions before purchasing.
Eligible customers can receive NCD according to the applicable Malaysian motor discount scale. Your entitlement affects the quoted contribution.
Request a quotation using your vehicle details and selected coverage. The final contribution depends on your vehicle, NCD, add-ons and applicable charges.
Yes. Visit BJAK's car insurance platform to review available options and compare their benefits and prices.
Compare car insurance on BJAK
Choosing motor takaful involves more than finding the lowest contribution. Check the coverage, NCD, optional benefits, excess and exclusions before deciding. Compare car insurance on BJAK to explore available options for your vehicle and budget.