Medical cover for your family and your workforce
Motor Takaful helps you meet the cost of a road accident, fire or theft, and of claims made against you by other road users. Comprehensive cover protects your own vehicle as well as your liability to others. Third-party cover protects you against claims for injury and damage to other people, and third-party, fire and theft adds protection if your vehicle is stolen or burnt. Motor Traders Takaful is designed for dealers and repairers.
Your contribution goes into a participants' risk fund as Tabarru', and covered claims are paid from that fund. Kalkaal manages it 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
- A choice of cover, from third-party only to comprehensive
- Cover for a single private car, commercial vehicles or a whole fleet
- Protection against claims from other road users for injury and damage
- Dedicated cover for motor dealers and repairers
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
Comprehensive Motor Takaful
Covers loss of or damage to your own vehicle from accident, fire or theft, plus your liability to others for injury and property damage.
Third-Party Motor Takaful
Covers your legal liability for injury to other people and damage to their property caused by your vehicle. It does not cover damage to your own vehicle.
Third-Party, Fire and Theft Takaful
Third-party cover, plus protection if your vehicle is stolen or damaged by fire.
Motor Traders Takaful
For motor dealers and repairers. Covers vehicles in your care for sale, repair or demonstration, and your liability while they are driven, as stated in your schedule.
What’s covered
- Your liability for death or bodily injury to other people caused by your vehicle
- Your liability for damage to other people's property, such as vehicles and buildings
- Loss of or damage to your vehicle by fire (comprehensive, and third-party, fire and theft)
- Theft of your vehicle, or damage caused during a theft or attempted theft
- Accidental damage to your vehicle from collision, overturning or malicious acts (comprehensive)
- Vehicles a motor trader holds for sale, repair or demonstration, as stated in the schedule
Not covered and conditions
- Driving by anyone not allowed by your schedule, or without a valid driving licence
- Driving under the influence of alcohol or drugs
- Use for purposes not stated in your schedule, such as hire, racing or carrying fare-paying passengers
- Wear and tear, mechanical or electrical breakdown, and depreciation
- Damage to your own vehicle under third-party-only cover
- Loss of use of the vehicle and other consequential loss
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- Make sure everyone is safe and get medical help for anyone injured.
- Report any theft, and any accident involving injury or another party, to the police.
- Take photographs and note the other party's details. Do not admit liability or agree to pay anyone.
- Do not start repairs until Kalkaal agrees, apart from work needed to make the vehicle safe.
- Notify Kalkaal within the period stated in your schedule, and send on any letters or court papers you receive.
Documents you will usually need
- Completed claim form
- Police report for any theft, and for accidents involving injury or another party
- Driving licence of the person driving at the time
- Vehicle registration certificate (logbook)
- Photographs of the damage and of the accident scene
- Repair estimate or invoice, when requested
- Details of any other party involved, and any claim letters you receive
What you’ll need for a quote
- Vehicle registration certificate (logbook) for each vehicle
- Driving licence for each regular driver
- Your identity document, or business registration for company-owned vehicles
- The vehicle's make, model, year, chassis number and the value you want to cover
- How the vehicle is used: private, commercial, carrying goods or carrying passengers
- A fleet list showing every vehicle, for fleet operators
- Your trade licence and the kind of vehicles you handle, for motor traders
FAQs
What is the difference between comprehensive and third-party cover?
Third-party cover protects you against claims from other people for injury or damage caused by your vehicle, but it does not pay for damage to your own vehicle. Third-party, fire and theft adds cover if your vehicle is stolen or burnt. Comprehensive cover also adds accidental damage to your own vehicle. Your schedule shows which level of cover you have.
Can someone else drive my vehicle?
Only the drivers your schedule allows are covered. Some schedules name specific drivers, while others cover any driver who holds a valid licence and has your permission. If an unauthorised or unlicensed person is driving when there is an accident, the claim may not be covered, so tell a Kalkaal advisor who will drive the vehicle before you decide.
I sell or repair vehicles. Which cover do I need?
Motor Traders Takaful is designed for dealers and repairers. It can cover vehicles in your care for sale, repair or demonstration, and your liability while you or your staff drive them, as stated in your schedule. Vehicles your business owns and uses every day may need separate Motor Takaful. A Kalkaal advisor can explain how the two fit together.
You may also need
Protection for your home, your premises and what is inside
Cover for medical emergencies and disruption while you travel
Request a call back
Prefer to talk it through?
Leave your number and a Kalkaal advisor will call you back at a time that suits you, in your language.