How does BJAK support Shariah-conscious customers?

BJAK displays quotes from participating licensed takaful operators alongside conventional insurers in a single comparison, so you can see the takaful options available for your specific vehicle without approaching each operator separately.

Takaful operators on BJAK's panel:

• Syarikat Takaful Malaysia Am Berhad, trading as Takaful Malaysia.
• Takaful Ikhlas General Berhad, part of MNRB Holdings.
• Zurich General Takaful Malaysia Berhad.

All three are licensed general takaful operators, verifiable on BNM's list of licensed takaful operators.

Which options appear depends on your vehicle, the operator's underwriting rules, and provider participation at the time of your quote.

The comparison screen distinguishes takaful plans from conventional insurance options. Operator brand logos and explicit product tags mean you can identify Shariah-compliant choices upfront, rather than working it out from the policy terms after the fact.

Before you pay, BJAK shows the details that determine what a plan actually covers:

• The provider - which insurer or takaful operator is behind the quote
• Sum insured basis - agreed value or market value, which changes what you receive on a total loss
• Excess - the amount you pay per claim
• Optional add-ons - such as windscreen cover or special perils and flood cover
• The Product Disclosure Sheet - the operator's own document, setting out coverage, exclusions and fees

BJAK's comparison contains both takaful and conventional products. Appearing on the platform does not make a product Shariah-compliant.

If Shariah compliance matters to you, select the takaful product deliberately. Do not assume that a comparison site returns only compliant results, and do not infer the product type from the operator's name - several groups offer both conventional and takaful products under related brands.

Confirm the product type on the quote, and confirm the issued document is a Takaful Certificate.

What BJAK provides:

• Side-by-side pricing across participating providers
• An itemised view of what each plan covers
• Access to the Product Disclosure Sheet before payment
• The product type, so you know which category you are choosing from

What BJAK does not do:

• Certify that any product is Shariah-compliant
• Appoint or sit on any Shariah Committee
• Make binding recommendations on which product to buy
• Change the terms of the underlying product

• Car insurance learning hub
• Insurers and takaful operators on BJAK
• Claim process: Takaful vs conventional
• Types of car insurance in Malaysia
• Sum insured
• Market value versus agreed value
• Special perils and flood cover
• NCD checker
• Bank Negara list of licensed insurers and takaful operators