Simple everyday protection for families and community groups
For many families and businesses, animals are the main store of wealth. Livestock Mortality Takaful helps you recover the value of covered animals that die from accident, disease or natural perils such as fire, lightning and flood. Cover can be arranged for a herd, for trading stock held for sale or export, or for a farm, and the animals covered are named in your schedule.
Participants share risk through a common fund built on Tabarru' contributions, and the fund pays covered losses. Kalkaal manages the fund as Takaful operator for a disclosed Wakala fee.
To get started, send an enquiry. A Kalkaal advisor explains the cover, exclusions and contribution before you decide.
Why this cover
- Protects the value of the animals that hold your family's or business's wealth
- Cover for herds, trading stock awaiting sale or export, and farm animals
- Recognises veterinary advice, including humane slaughter on a vet's instruction
- Risk shared among participants through a Shariah-compliant fund
Your contribution What you pay for your cover. Part of it is Tabarru’ to the shared fund.Glossary goes into a shared fund that pays eligible claims; Kalkaal manages the fund for a disclosed Wakala Agency: participants appoint Kalkaal to manage the fund for an agreed fee, disclosed in your quotation and schedule.Glossary fee.
Cover options
Livestock Mortality Takaful
Covers the death of the animals named in your schedule from accident, disease and natural perils, including humane slaughter on a vet's instruction.
What’s covered
- Death of a covered animal from accident, such as a fall, road accident or injury
- Death from disease or illness that begins after cover starts
- Death from fire, lightning, flood or storm
- Death from snakebite or attack by wild animals
- Humane slaughter on the written instruction of a veterinary surgeon, to end suffering
- Animals in your herd, holding pen or farm, as described in your schedule
Not covered and conditions
- Disease present before cover starts, or appearing during the waiting period in your schedule
- Death from neglect, starvation, overwork or poor husbandry
- Slaughter for food or sale, or any killing not instructed by a vet
- Theft or straying, unless your schedule adds it
- Animals that cannot be identified as the covered animals
- Confiscation or destruction ordered by any authority
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- Call a veterinary surgeon as soon as an animal falls sick or is injured, and follow their advice.
- Do not slaughter a covered animal unless a vet instructs it.
- If an animal dies, keep the carcass for inspection where it is safe and lawful to do so, and photograph its identification.
- Arrange a post-mortem where possible.
- Notify Kalkaal within the period stated in your schedule.
Documents you will usually need
- Completed claim form
- Veterinary post-mortem report or death certificate
- Photographs of the carcass showing its identification mark
- The ear tag or other identification removed from the animal
- Vaccination and treatment records
- Proof of ownership, such as purchase receipts or a herd register
What you’ll need for a quote
- The number and type of animals, with their ages and approximate values
- How the animals are identified, such as ear tags, brands or other marks
- A veterinary health certificate, where requested
- Where the animals are kept, and how they are grazed, housed and watered
- Vaccination and treatment records
- Your identity document or business registration
- Details of animal deaths in your herd over recent seasons
FAQs
Which animals can be covered?
The animals covered are agreed with you and named in your schedule, along with how each animal is identified. Tell a Kalkaal advisor which animals you keep or trade, how many, where they graze or are held, and their purpose, such as breeding, milk or export. The advisor will explain whether they can be covered and on what terms.
Why do my animals need to be identified?
Each covered animal must be identifiable, so that a claim can be matched to an animal named in your schedule. This is usually done with ear tags, brands or other marks agreed with Kalkaal. Keep identification in place and up to date. If an animal dies, photograph its identification and keep the tag for your claim.
Are animals covered while they are transported for export?
Livestock Mortality Takaful covers animals at the locations and during the activities stated in your schedule. Cover while animals are moved by road or shipped is not automatic. Tell a Kalkaal advisor how, when and where your animals travel, so you can discuss whether transport can be added or whether a shipment belongs under Marine Takaful.
You may also need
Cover for crops, poultry flocks and fish farms
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