Which Takaful Operators Does BJAK Compare?
Looking for motor takaful in Malaysia? BJAK lets you compare available takaful options alongside conventional car insurance, so you can review the price, coverage and extra benefits before choosing a plan.
BJAK's motor takaful panel includes Takaful Malaysia, Takaful IKHLAS and Zurich Takaful. The options available to you depend on your vehicle details and each operator's eligibility requirements.
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- Compliance
Which takaful operators are available on BJAK?
BJAK currently lists three general takaful operators for motor protection. Each offers its own benefits and optional add-ons, so it's worth comparing the details rather than choosing based on price alone.
| Takaful operator | What to compare |
|---|---|
| Takaful Malaysia | All Drivers coverage, roadside assistance, towing and additional benefits such as flood-related protection. |
| Takaful IKHLAS | Additional driver coverage, roadside assistance, towing and available optional benefits. |
| Zurich Takaful | All Drivers coverage, roadside assistance, towing and optional protection for different needs. |
Benefits, limits and eligibility vary by product. Check the latest Product Disclosure Sheet (PDS) and your quotation before purchasing.
Takaful Malaysia
Takaful Malaysia offers motor takaful for drivers looking for Shariah-compliant vehicle protection.
Its motor product includes comprehensive coverage options, with additional benefits that may include roadside assistance, towing and protection for authorised drivers.
You can review the available benefits on the Takaful Malaysia page on BJAK.
What to compare:
- Coverage for damage to your own car and third-party liability.
- Towing distance and roadside assistance benefits.
- Available flood-related protection and other add-ons.
- Contribution, excess and exclusions.
Takaful IKHLAS
Takaful IKHLAS provides motor takaful options with benefits designed for Malaysian drivers. Depending on the selected product, these may include additional driver coverage, towing and roadside assistance.
The available benefits and limits depend on the specific plan and certificate terms.
Visit the Takaful IKHLAS page on BJAK to explore its motor coverage and available benefits.
What to compare:
- Coverage type and sum covered.
- Additional driver benefits and any applicable excess.
- Towing and roadside assistance limits.
- Optional protection and total contribution.
Zurich Takaful
Zurich Takaful offers motor protection through its Z-Driver Takaful product. Drivers can compare its available coverage and additional benefits against other options on BJAK.
Depending on the product and selected benefits, options may include additional driver coverage, roadside assistance and extra protection for specific risks.
Learn more on the Zurich Takaful page on BJAK.
What to compare:
- Comprehensive coverage and third-party liability.
- Towing and roadside assistance benefits.
- Optional add-ons, including applicable Special Perils protection.
- Contribution, excess and exclusions.
Can you compare takaful and conventional insurance on BJAK?
Yes. BJAK displays available takaful and conventional car insurance options in the same comparison process.
The main difference is how the protection is structured. Motor takaful follows Shariah principles, while conventional motor insurance operates under an insurance contract.
Both can provide protection against covered vehicle damage and third-party liability, depending on the selected plan.
| What to compare | Why it matters |
|---|---|
| Total price | Helps you understand the amount payable for the selected coverage. |
| Coverage type | Determines whether your own car is protected against covered accidental damage. |
| Sum covered | Affects the financial protection available for your vehicle. |
| Add-ons | Provides extra protection for specific risks, subject to the terms. |
| Excess | Determines the amount you may need to pay towards an eligible claim. |
| Exclusions | Explains situations or losses that are not covered. |
Choosing takaful does not automatically mean paying less. The contribution depends on your vehicle, coverage, risk assessment and selected benefits.
Can you choose only takaful on BJAK?
Yes. You can compare the available takaful quotes and choose a takaful product if it suits your needs. Conventional insurance quotes may also appear in the comparison, but you can select the takaful option you prefer.
The available quotes may vary based on:
Your car's make, model and age
Your vehicle's insured value
Your No Claim Discount (NCD)
Each operator's underwriting requirements
The coverage and add-ons available for your vehicle
The operator you select issues the takaful certificate. BJAK provides the comparison and purchase platform.
How do you compare motor takaful on BJAK?
You can start by preparing your vehicle details and reviewing the options available for your car.
Step 1: Enter your vehicle details
Visit BJAK's car insurance platform and follow the instructions to enter your vehicle registration number and requested information.
Step 2: Review the available quotes
Check which takaful operators appear for your vehicle. Not every operator or plan will necessarily be available for every car.
Step 3: Compare coverage and benefits
Review the contribution, sum covered, driver benefits, towing limits, optional add-ons and exclusions.
Step 4: Check the policy documents
Read the relevant PDS and certificate wording to understand the actual coverage, conditions and limitations.
Step 5: Select the option that suits you
Choose the available plan that fits your budget and protection needs, then follow the instructions to complete your purchase.
You can also use the BJAK NCD Checker to check your current NCD entitlement before comparing quotes.
Frequently asked questions
BJAK's motor takaful panel includes Takaful Malaysia, Takaful IKHLAS and Zurich Takaful. The quotes available to you depend on your vehicle and each operator's eligibility requirements.
Not necessarily. Vehicle age, model, insured value, NCD and underwriting requirements can affect which options are offered. Check the quotes generated for your vehicle.
No. Takaful products are available to customers of any faith, subject to the operator's eligibility requirements.
Not always. Contributions vary by vehicle, coverage, operator and selected add-ons. Compare actual quotes to see which option offers suitable protection at a price you can afford.
You can compare available options and follow BJAK's online purchase process. The selected takaful operator issues the certificate, and the coverage is governed by that operator's terms.
Flood damage may be covered if the selected plan includes applicable Special Perils or other relevant protection. Check the certificate wording and exclusions before purchasing.
Compare motor takaful on BJAK
Takaful Malaysia, Takaful IKHLAS and Zurich Takaful offer different motor protection options. Comparing their contributions, coverage, add-ons and exclusions can help you understand which available plan suits your vehicle. Compare car insurance on BJAK to review available motor takaful and conventional insurance quotes before renewing your coverage.