Do I need to get my car inspected before purchasing auto insurance?+
In most cases, a basic vehicle inspection may be required depending on the policy type. Comprehensive plans often require an inspection, while third-party liability plans may not. Check with your Takaful provider for exact requirements.
Does auto insurance cover my car if it gets stolen?+
Yes, theft coverage is typically included in comprehensive auto Takaful plans. Third-party only plans generally do not cover theft. Make sure to select a comprehensive plan for full protection.
Can I get coverage for natural disasters like floods?+
Natural disaster coverage (including floods, storms, and earthquakes) is available under select comprehensive Takaful plans. It may be offered as an add-on rider depending on the provider.
Will I be offered financial protection if an accident involves damage to someone's house or car?+
Yes, third-party liability coverage protects you financially if you cause damage to another person's property or vehicle during an accident.
Are bodily injuries covered in case of accidents?+
Bodily injury coverage is included in most comprehensive plans and can also be part of third-party plans. It covers medical expenses and compensation for injuries caused to others.
Is there any coverage for damages if someone hits my car?+
Yes, under a comprehensive plan, damages caused by another driver to your vehicle are covered. You can file a claim regardless of who was at fault.
What do I do if I get into an accident?+
Immediately ensure everyone's safety, document the scene with photos, collect the other party's details, and file a claim through the Insijam app or contact your Takaful provider's helpline as soon as possible.
Can I use any workshop for repairs?+
Most Takaful providers have a network of approved workshops. Using an approved workshop ensures cashless repairs. You may use an outside workshop but may need to pay upfront and claim reimbursement later.
Will I need to pay anything upfront for repairs?+
At approved network workshops, repairs are typically cashless. Outside the network, you may need to pay upfront and submit a reimbursement claim afterward.
Can I get auto insurance for an older car?+
Yes, older vehicles can be insured. However, comprehensive coverage for older cars may have a depreciation cap. Third-party liability is usually available regardless of vehicle age.
Can I get insurance for multiple cars?+
Yes, fleet or multi-vehicle policies are available. You can manage all your vehicles under a single plan, often at a discounted rate compared to individual policies.
What is the difference between a nil depreciation policy and a standard policy?+
A nil depreciation (zero dep) policy covers the full cost of replacing parts without deducting for wear and tear. A standard policy calculates depreciation on parts, meaning you pay the difference out of pocket during a claim.
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