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Personal Accident Brief CoverageTheft Brief Coverage

Sum Insured

RM10,000 for PA cover and RM2000 for medical reimbursement
Coverage Sustain bodily injury caused solely and directly by accidental resulting to death or disablement.
Benefits Death - RM10,000
Permanent Disablement - RM10,000
Medical - RM 2,000
Age limit On the Life of Touch N Go card holders aged between 16 and 65 years
Territorial Limit
1.Within the Highways/Expressway starting from entry of the Highway/Expressway until exit of the Highway/Expressway marked by demarcation line of responsibility of the respective Highway/Expressway operators
2.Whilst traveling in Public Bus/LRT/Monorail/ERL
3.Upon entry of the ferry operators gantry whilst traveling inside the vehicles until exit of the gantry.
4.Exclude Cable Cars and Amusement Park
Coverage Against Loss of Smart Tag Device following entry or exit by forcible and violent means
Benefits Replacement of the lost Smart tag

Motor Takaful Policy  







In consideration of You having applied to Us to cover Your Vehicle by an application and declaration which shall be the basis of this contract and having paid to Us the contribution stated in the Certificate Schedule in accordance with the laws of Malaysia, We will cover You against loss, damage or liability as described in this Certificate occurring during the Period of Takaful subject to the terms, conditions and endorsements forming part of this Certificate.


1. We will cover You if Your Vehicle is damaged or lost in the following circumstances:-

a. by accidental collision or overturning,

b. by collision or overturning caused by mechanical breakdown,

c. by collision or overturning caused by wear and tear,

d. by impact damage caused by falling objects provided no flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake,

e. landslip or other convulsion of nature is involved,

f. by fire explosion or lightning,

g. by burglary, housebreaking or theft,

h. by malicious act,

i. when in transit (including its loading and unloading) by:

1. road rail inland waterway

2. direct sea route across the straits between the island of Penang and the mainland.

2. Basis of Settlement

a. We will at Our option

1. pay the cost of repairs to Your Vehicle, or

2. ay in cash the amount of the loss or damage to Your Vehicle, or

3. reinstate or replace Your Vehicle.

b. The maximum amount We will pay is the market value of Your Vehicle at the time of the loss or the sum covered in the certificate whichever is the lower figure.

c. If Your Vehicle shall at the of happening of any loss or damage (be it partial/ total) be covered for a sum less than its market value then, You shall bear the rateable proportion of the loss accordingly. Provided always that this shall not apply unless the market value at the time of the loss exceeds the sum covered by 10%.

d. The market value of Your Vehicle would be determined in the event of a dispute by the Head office of the Franchise-holder and this value would be equal to the cost purchasing a replacement Vehicle of the same make, model and age of Your Vehicle at the time of loss.

e. In the event no Franchise-holder is available for the make of Your Vehicle, the market value of the vehicle would be determined by a Loss Adjuster licensed under the Insurance Act, 1963 and its subsequent legislation agreed to by both You and Us.

f. The valuation done by the relevant Head Office of the Franchise-holder or Loss Adjuster licensed under the Insurance Act 1963, and its subsequent legislation will be conclusive evidence in respect of the market value of Your Vehicle in any legal proceedings against Us.

3. Transportation of Damaged Vehicle

We will pay You to a maximum RM200.00 as Towing Charges for taking Your Vehicle to either the nearest Repairer or towing the Vehicle by returning it to Your address as shown in the Schedule or towing it to a secure place for it to be garaged, provided Your Vehicle has been damaged by circumstances described in this section.

4. Exceptions to Section A

We will NOT pay for

a. consequential losses of any nature.

b. the loss of use of Your Vehicle.

c. depreciation, wear and tear, rust and corrosion, mechanical or electrical or electronic breakdown, equipment or computer malfunction, failures or breakages to Your Vehicle except breakages of windscreen or windows.

d. damage to Your Vehicle’s tyres unless Your Motor Vehicle is damaged at the same time.

e. any loss or damage caused by or attributed to the act of cheating/criminal breach of trust by any person within the meaning of the definition of the offence of cheating/criminal breach of trust set out in the Penal Code.

f. the Excess stated in the Schedule.

g. the failure or inability of any equipment or any computer program to recognize or correctly to interpret or process any date as the time or correct date or to continue to function correctly beyond date.


1. We will pay the amount which You or Your authorized driver are legally liable to pay (including claimants’ costs and expenses) for:-

a. death or bodily injury to any person except those specifically excluded under Exceptions to Section II

b. damage to property as a result of an accident arising out of the use of Your Vehicle.

Provided Your authorized driver also follows all the terms and conditions of the Certificate that You are subject to.

2. Limits of Our Liability

Our total liability under this Section II 1 (a) is unlimited

Our total liability Section II 1 (b) is limited to RM 3 million

in respect of any claim or series of claims arising out of one event

3. Cover for Legal Representatives

Following the death of any person covered under this Section We will indemnify that person’s legal representatives for liability covered under this Section, provided such legal representative’s follow all terms and condition of the Certificate.

4. Legal Costs

We will pay legal costs incurred up to a maximum of RM 2,000.00 for defense of any charge including the charge of causing death by driving the Motor Vehicle (other than murder) if Our prior written agreement had been secured.

5. Exceptions to Section II

We will NOT pay for :

a. death or bodily injury to any passenger being carried for hire or reward.

b. death or bodily injury to any person where such death or injury arises out of and in the course of the employment of such person by You or by Your authorized driver.

c. damage to property belonging to or in the custody of or control of or held in trust by You or your authorized driver or any member of Your household under this Section.

d. liability to any person who is a member of Your household or Your authorized driver who is a passenger in Your Vehicle unless he/she is being carried by reason of or in pursuance of a contract of employment.

e. any claims brought against any person in any country in courts outside Malaysia, the Republic of Singapore or Negara Brunei Darussalam.

f. all legal costs and expenses which are not incurred in or recoverable in Malaysia, the Republic of Singapore and Negara Brunei Darussalam.


If no claim is made or arises from Your Certificate and provided Your Vehicle is covered with Us for a continuous period of 12 months in each of the following instances, You are entitled to a No Claim Discount on renewal of Your Certificate as follows:-

Period of Takaful


After the first year of Takaful


After the second year of Takaful


After the third year of Takaful

38 1/3%

After the fourth year of Takaful


After five or more years of Takaful


If more than one Motor Vehicle is described in the Schedule the No Claims Discount shall be applied as if a separate Certificate had been issued in respect of each Motor Vehicle. NCD is not transferable to another owner.


1. Your rights or that of any other person to recover indemnity by virtue of the Legislation or Agreement executed between the Minister of Transport for the Government of Malaysia and the Motor Insurer’ Bureau on March 30,1992 or the Agreement executed between the Government of Singapore and the Motor Insurer’ Bureau of Singapore on February 22,1975 shall not be affected in any way.

2. However, in the event that We are liable to pay any monies as a result of the said Legislation or Agreement which We would not otherwise have been liable to pay, You shall repay to Us such monies paid by Us.


We will NOT pay for any liability under the following circumstances:-

1. If You or any person with Your consent are not licensed to drive the Vehicle except if You or any person with Your consent has held and is not disqualified from holding or obtaining such a license to drive Your Vehicle under any required laws, by-laws and regulations.

2. If You or Your authorized driver drives Your Vehicle whilst under the influence of drink or drug to such an extent as to be incapable of having control of Your Vehicle.

3. Any loss damage or liability caused by Your Vehicle being used for an unlawful purpose by You or by some other person with Your consent.

4. If any loss or damage or liability is caused by invasion, war (whether war be declared or not), warlike operation, acts of foreign enemies, hostilities, civil war, acts of terrorism, strike, riot, civil commotion, mutiny, rebellion, revolution, insurrection, military or usurped power or by any direct or indirect consequences of any of the said occurrences.

5. If the damage is caused by or arising from flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip or other convulsion of nature is involved.

6. If Your Vehicle is used for or is being tested in preparation for any Motor sport or competition (other than treasure hunts). This includes (but is not limited to) reliability trials, hill-climbing tests and rallies.

7. If in the event of any accident or breakdown, Your Vehicle is left unattended without proper precaution being taken to prevent further loss or damage and if Your Vehicle is driven in an un-roadworthy condition before the necessary repairs are effected, any extension of the damage or any further damage to Your Vehicle shall be excluded from the cover granted by this Certificate.

8. For any accident loss damage or liability caused sustained or incurred outside of Malaysia, the Republic of Singapore and Negara Brunei Darussalam.

9. If any liability attaches by virtue of an agreement but for which We would not have been liable in the absence of such agreement.

10. Any accident loss or damage to any property whatsoever or any loss or expense resulting or arising there from or any consequential loss

Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission.

11. Any accident loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.

If a law or laws are named in a section of the policy entitled “Avoidance of certain terms and the rights of recovery” or in Certificate Schedule under the heading of “Legislation” all references to specific Sections of such laws are deemed to be deleted so that the references to such law or laws are left to apply to each law in its entirety.



If You fail to disclose to Us fully and faithfully, all the facts which You know or ought to know, or if You misrepresented any facts to Us before the Certificate was entered into, We may avoid this Certificate

You must observe and fulfill the Terms, Conditions, Endorsements, Clauses or Warranties of the Certificate.


a. We must be notified in writing with full details as soon as possible after an event which may become the subject of a claim under this Certificate.

b. All accidents must be reported to the Police as required by Law.

c. Every communication writ summons and process from other parties must be sent to Us immediately. You must also tell Us if You know of any impending prosecution inquest or fatal inquiry without delay. In case of theft or other act which may give rise to a claim under this Certificate, You must without undue delay make a report to the Police and co-operate with Us in securing the convictions of the offender.

d. No negotiation, admission or repudiation of any claim may be entered into without Our prior written consent.

e. We shall have full discretion in the conduct, defense and settlement of any claim.

f. No repairs may be authorized to Your Vehicle without Our prior written consent.

g. In the event Your Vehicle is involved in an accident and gives rise to a claim, Your Vehicle must be removed to PIAM Approved Repairer for repairs. Failure to remove Your Vehicle to PIAM Approved Repairer would be a breach of this condition and We shall have the right to decline liability under Section I of the Certificate.

h. In any event giving rise to a claim or series of claims under Section II 1 (b) of this Certificate, We may pay to You the full amount of Our liability under Section II 1 (b) and relinquish the conduct of any defense, settlement or proceeding and We shall not be responsible for any damage alleged to have been caused to You in consequence of any alleged action or omission by Us in connection with such defense settlement or proceeding or by Us relinquishing such conduct nor shall We be liable for any cost or expenses how whatsoever incurred by You or any claimant or any person after We have relinquished such conduct.


a. You may cancel this Certificate any time by notifying Us in writing and We shall be entitled to deduct a service fee of RM 10.00 from refund of Takaful Contribution.

b. We may also cancel this Certificate by giving You 14 days written notice by registered post to Your last known address.

c. In case of cancellation requested by You (provided no claim has arisen during the then current Period of Takaful), You shall be entitled to a refund Contribution based on Our customary pro-rata rates.

d. In case of cancellation by Us, You shall be entitled to a pro-rata refund of the unexpired Contribution.

e. In the event of cancellation the Original Certificate must be returned to Us before You are entitled to a refund Takaful Contribution.


You must give Us written notice if You have any other Takaful/Insurance covering Your Vehicle. If at the time any claim arises under this Certificate there is any other existing Certificate/Policy covering the same loss damage or liability, We shall only pay Our rateable proportion of any loss damage compensation costs or expenses. However, nothing in this condition shall impose on Us any liability from which We would not have been subject to.


We shall be entitled if We so desire to take over conduct at Our own expense in Your name the defense or settlement of any claim or to prosecute in Your name for Our benefit any claim for indemnity or damages or otherwise and We shall have absolute discretion in the conduct of any proceedings and in the settlement of any claim and You shall give all such information and assistance as We may require.


All differences arising out of this Certificate shall be referred to an Arbitrator who shall be appointed in writing by You and Us. In the event that You and We are unable to agree on who is to be the Arbitrator within one month of being required in writing to do so then You and We shall be entitled to appoint an Arbitrator each who shall proceed to hear the differences together with an Umpire to be appointed by both Arbitrators. However, this is provided that any disclaimer of liability by Us for any claim hereunder must be referred to an Arbitrator within twelve calendar months from date of Our disclaimer to You.


This Certificate will only be-operative if: -

a. Any person claiming protection has complied with all its Terms, Conditions, Endorsements, Clauses or Warranties.

b. You have taken all reasonable precautions to maintain Your Vehicle in an, efficient roadworthy condition.

c. You have taken all reasonable precautions to safeguard Your Vehicle from loss or damage.

d. You must grant Us free access at all reasonable times to examine Your Vehicle.


For the benefit of the Account and the Participant the Company will invest the whole contribution made to this account according to the Syariah principles and any profit derived from the said investment shall be distributed in accordance with the following percentage:-

a. Fifty percent (50%) of the profit to the Account and to be reinvested for the benefit of the account

b. Fifty percent (50%) of the profit to the Company


All expenses incurred pertaining to the operations and investment of this account shall be borne by this Account.


If at the end of the Period of Takaful stated in the Schedule there is the net surplus of the Motor Takaful Account of the Company’s General Takaful Fund the Participant is entitled to their share of the net surplus as provided for in the Application and Declaration provided always that the Participant has not incurred any claim and/or not received any benefits under this Certificate and/or the total amount claim made did not exceed the Contribution made whilst it is in force.


1. We/Us/Our refer to Etiqa Takaful Berhad

2. You/Your/Yourself refers to the Certificate holder and/or Participant.

3. Your Vehicle refers to the Vehicle and its accessories, including those described in the Certificate Schedule.

4. Accessories refer to the standard tools of a Motor vehicle including air-conditioners and spare tyres and may include radio/tape recorder/ compact disc player and the like if specified in the Schedule.

5. Repairer refers to a Motor repair workshop under PIAM Approved Repairers Scheme.

6. Your household refers to all members of Your immediate family (i.e. Spouse, Children including legally adopted Children, Parents, Brother and Sister).

7. Cheating as defined in the Penal Code is as follows:-

Whoever, by deceiving any person, fraudulently or dishonestly induces the person so deceived to deliver any property to any person or to consent that any person shall retain any property, or intentionally induces the person so deceived to do or omit to do anything which he would not do or omit if he were not so deceived, and which act or omission causes or is likely to cause damage or harm to that person in body, mind, reputation or property, is said to ‘cheat’.

8. Criminal breach of trust as defined in the Penal Code is as follows:-

Whoever, being in any manner entrusted with property, or with any dominion over property, dishonestly misappropriates or converts to his own use that property, or dishonestly uses or disposes of that property in violation of any direction of law prescribing the mode in which such trust is to be discharged, or of any legal contract, express or implied, which he has made touching the discharge of such trust, or willfully suffers any other person so to do, commits “criminal breach of trust”.

9. Act of terrorism means

An act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public, in fear.


· You are hereby advised to read through the Certificate carefully and if it has not been issued in accordance with your intention, kindly return same to the Company for alteration immediately.

· Please keep this Certificate in a safe place as reference will be made to this document in endorsements and renewals

· Any Contribution paid to Your Takaful agent/broker is not deemed to be payment to the Company for the purpose of the CBC Regulation.

· Please note that if this Takaful is transacted through your Takaful agent/broker, the agent/broker is acting on your behalf for the purpose of formation of this contract of Takaful. It is important that you ensure your Takaful agent/broker remits your contribution to the Company in strict compliance with the provisions of the CBC Regulation.

· Kindly observe the CBC Regulation.