In short
- Takaful Ikhlas 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 Ikhlas 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 Ikhlas's own site.
- Premiums are set by the insurer, not by BJAK. The only way to know what Takaful Ikhlas charges for your car is to run a quote and compare it with the rest of the panel.
Key Benefits
Important Notes
CART claims are not applicable if
Claim
The claim is only for broken windscreens, windows, or sunroof.
Repairs
Repairs are delayed due to workshop or external factors.
Stolen
Your vehicle is stolen or declared a total loss.
Under a BER
The claim is under a BER (Beyond Economic Repair) process.
Why Choose Takaful Ikhlas?
Comprehensive coverage with generous free add-ons
Shariah-compliant and trusted nationwide
24/7 roadside support you can depend on
Added protection for both driver and passengers
Takaful Ikhlas car insurance add-ons
Which optional benefits Takaful Ikhlas 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.- 0
- Included at no extra cost
- 8
- Available as a paid add-on
| Add-on | How to read this table |
|---|---|
| Bantuan Ikhlas Supreme - Silver PackageTakaful Ikhlas roadside assistance package for eligible vehicles. | 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 |
| 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 |
| All Drivers CoverageExtends cover to any driver using your car, with no named-driver limit. | —Not offered on comprehensive cover |
| Break-In ProtectionReimburses personal belongings stolen from your vehicle. | —Not offered on comprehensive cover |
| Car Key ReplacementCovers replacing lost, stolen or damaged keys, including reprogramming. | —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 |
| Flood Towing & CleaningCovers towing and professional cleaning after flood 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 Ikhlas 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 Ikhlas 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 Ikhlas car insurance FAQ
Is Takaful Ikhlas takaful or conventional insurance?
Takaful Ikhlas 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 Ikhlas?
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 Ikhlas'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 Ikhlas's own site rather than at a copy, so you are always reading the current version.
Is Takaful Ikhlas 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 Ikhlas car insurance?
Start a quote on BJAK with your vehicle registration number, compare Takaful Ikhlas'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 Ikhlas
Important policy documents
Product Disclosure Sheets, policy wordings and forms published by Takaful Ikhlas.
View all on the insurer's site