JUE3987 POLICY Tahun 2022

PROTON INSURANCE PROGRAM (PIP)
Kereta Persendirian

THE SCHEDULE : T48045J-000 Date (Tarikh) : JADUAL
PANTAI BHARU CORPORATION SDN B :
ORIGINAL COPY Receipt No. SALINAN ASAL
: TR21-19321 (No. Resit)
Agent Code (Kod Ejen) 09 OCT 2021

Replacing Cover Note No.
(Menggantikan Nota Lindung No.)

Certificate No. (No. Sijil) : ACT (ACT) : 161.18

The Participant (Peserta) : ABU BAKAR BIN AHMAD Contribution (Caruman) 2387.79
Address (Alamat) : LOT 3484 BATU 10,JALAN KAPAR, 1313.28
NCD:55.00%(09 OCT 2021)
KAPAR REBATE:0.00% 0.00
42200 Selangor SERVICE TAX 91.47
EXT COVER 450.00
Business Reg No.(No. Sykt.) :
10.00
I/C No. New(No. K/P Baru) : 650515-04-5369 Old I/C No.(No. K/P Lama) : 1625.98

Business / Profession(Perniagaan / Pekerjaan) : Private Employee

Hire Purchase Owners /(Pemilik Sewa Beli /) :-

Employer / Lessors(Majikan / Pemajak) :

Period of Coverage (a) From (Dari) : 22 OCT 2021 To (Hingga) : 21 OCT 2022 Termasuk kedua-dua STAMP DUTY : RM
(Tempoh Perlindungan) Time (Masa) : 12:01 AM To (Hingga) : 11:59:59PM tarikh dan masa (DUTI SETEM) : RM

(b) Any subsequent period for which you shall pay and we shall TOTAL
agree to accept a renewal contribution (JUMLAH)
Sebarang tempoh selanjutnya untuk mana anda membayar dan kami bersetuju
menerima caruman pembaharuan

The Motor Vehicle Any of the following (Mana - mana daripada yang berikut) : Kenderaan Motor
Registration No. YInoculur dEisntgimAactceeosfsVoarileuse
Make Type of Body Cubic Capacity MaYneuafarcotfure SInecaltuindginCgaDpraivceitry
No. Pendaftaran Nilai Anggaran Anda termasuk
Buatan Jenis Badan Keupayaan Enjin Tahun Diperbuat Muatan Tempat Duduk Aksesori
termasuk Pemandu
JUE3987 PROTON X70 1.8 SALOON 1799 2020 5 90000.00
TGDI EXECUTIVE CC

2WD

Date of Signature of Proposal and Declaration EXCESS : 0.00 Engine (Enjin) : 4G18TDCL8CC1019825
Tarikh Cadangan dan Perakuan Ditandatangan (LEBIHAN) Theft Excess : RM0.00 CHASIS (Chasis) : PL1NL3EVRMG015307

Subject to the terms and conditions of the Certificate and endorsement as numbered below :
Tertakluk kepada peraturan - peraturan dan syarat - syarat Sijil dan pengendorsan seperti disenaraikan di bawah :

Named Driver : THE PARTICIPANT

Include Endorsement No :100, 106, 2(f), 217, 218, 219, 220, 87,

Additional Extra Coverage/Endorsements :-

Code Description Value Contribution

89A BREAKAGE OF GLASS IN WINDSCREEN, WINDOW OR SUNROOF 3000.00 450.00
217 ALL DRIVERS - PROTON (NON-TARIFF) 0.00 0.00
218 FLOOD RELIEF ALLOWANCE - PROTON (NON-TARIFF) 0.00
219 KEY CARE COVER - PROTON (NON-TARIFF) 1000.00 0.00
220 INSURED/POLICYHOLDER PERSONAL ACCIDENT-PROTON (NON 1000.00 0.00
15000.00

LEGISLATION:-
Road Transport Act, 1987 (Malaysia) Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore Motor Vehicles (Third Party Risks and Compensation) Rules (Republic of Singapore) Motor Vehicles Takaful (Third
Party Risks) Act (Cap 90) Negara Brunei Darussalam (the reference to legislation under the heading "Avoidance of Certain Terms and Right of Recovery" is limited to Section 94, 95 and 96 of the Road Transport Act 1987 (Malaysia) Section 7, 8
and 9 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore and Section 7 of the Motor Vehicles Takaful (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam.

UNDANG - UNDANG:-
Akta Pengangkutan Jalan Raya, 1987 Malaysia, Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapore, Peraturan Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) 1960 Republik Singapura, Akta
Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara Brunei Darussalam (rujukan kepada undang - undang di bawah tajuk "Pengelakan Peraturan - Peraturan Dan Hak Tuntutan Tertentu" adalah terhad kepada Seksyen 94, 95 dan 96
Akta Pengangkutan Jalan Raya, 1987 Malaysia. Seksyen 7, 8 dan 9 Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapura, dan Seksyen 7 Akta Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90)
Negara Brunei Darussalam).

Limits of Liability: - For and on behalf of / Untuk dan bagi pihak
Had Tanggungan: ZURICH GENERAL TAKAFUL MALAYSIA BERHAD

Limit of the amount of the Takaful Operator's Liability under Section B-1(a) .......... Unlimited Nazrul Hisham Abdul Hamid
Had jumlah tanggungan Pengendali Takaful di bawah Seksyen B-1(a) ..........

Limit of the amount of the Takaful Operator's Liability under Section B-1(b) .......... RM3,000,000.00
Had jumlah tanggungan Pengendali Takaful di bawah Seksyen B-1(b) ..........

Limitation as to Use : As shown in the Certificate of Takaful
Had Penggunaan : Seperti ditunjukkan dalam Sijil Takaful

Geographical Area : Malaysia, Republic of Singapore and Negara Brunei Darussalam
Had Wilayah : Malaysia, Republik Singapura dan Negara Brunei Darussalam

Authorised Driver : As shown in the Certificate of Takaful
Pemandu Yang Dibenarkan : Seperti ditunjukkan dalam Sijil Takaful

PROTON INSURANCE PROGRAM (PIP)
Kereta Persendirian

THE SCHEDULE : T48045J-000 Date (Tarikh) : JADUAL
PANTAI BHARU CORPORATION SDN B :
FINANCIAL COPY Receipt No. SALINAN KEWANGAN
: TR21-19321 (No. Resit)
Agent Code (Kod Ejen) 09 OCT 2021

Replacing Cover Note No.
(Menggantikan Nota Lindung No.)

Certificate No. (No. Sijil) : ACT (ACT) : 161.18

The Participant (Peserta) : ABU BAKAR BIN AHMAD Contribution (Caruman) 2387.79
Address (Alamat) : LOT 3484 BATU 10,JALAN KAPAR, 1313.28
NCD:55.00%(09 OCT 2021)
KAPAR REBATE:0.00% 0.00
42200 Selangor SERVICE TAX 91.47
EXT COVER 450.00
Business Reg No.(No. Sykt.) :
10.00
I/C No. New(No. K/P Baru) : 650515-04-5369 Old I/C No.(No. K/P Lama) : 1625.98

Business / Profession(Perniagaan / Pekerjaan) : Private Employee

Hire Purchase Owners /(Pemilik Sewa Beli /) :-

Employer / Lessors(Majikan / Pemajak) :

Period of Coverage (a) From (Dari) : 22 OCT 2021 To (Hingga) : 21 OCT 2022 Termasuk kedua-dua STAMP DUTY : RM
(Tempoh Perlindungan) Time (Masa) : 12:01 AM To (Hingga) : 11:59:59PM tarikh dan masa (DUTI SETEM) : RM

(b) Any subsequent period for which you shall pay and we shall TOTAL
agree to accept a renewal contribution (JUMLAH)
Sebarang tempoh selanjutnya untuk mana anda membayar dan kami bersetuju
menerima caruman pembaharuan

The Motor Vehicle Any of the following (Mana - mana daripada yang berikut) : Kenderaan Motor
Registration No. YInoculur dEisntgimAactceeosfsVoarileuse
Make Type of Body Cubic Capacity MaYneuafarcotfure SInecaltuindginCgaDpraivceitry
No. Pendaftaran Nilai Anggaran Anda termasuk
Buatan Jenis Badan Keupayaan Enjin Tahun Diperbuat Muatan Tempat Duduk Aksesori
termasuk Pemandu
JUE3987 PROTON X70 1.8 SALOON 1799 2020 5 90000.00
TGDI EXECUTIVE CC

2WD

Date of Signature of Proposal and Declaration EXCESS : 0.00 Engine (Enjin) : 4G18TDCL8CC1019825
Tarikh Cadangan dan Perakuan Ditandatangan (LEBIHAN) Theft Excess : RM0.00 CHASIS (Chasis) : PL1NL3EVRMG015307

Subject to the terms and conditions of the Certificate and endorsement as numbered below :
Tertakluk kepada peraturan - peraturan dan syarat - syarat Sijil dan pengendorsan seperti disenaraikan di bawah :

Named Driver : THE PARTICIPANT

Include Endorsement No :100, 106, 2(f), 217, 218, 219, 220, 87,

Additional Extra Coverage/Endorsements :-

Code Description Value Contribution

89A BREAKAGE OF GLASS IN WINDSCREEN, WINDOW OR SUNROOF 3000.00 450.00
217 ALL DRIVERS - PROTON (NON-TARIFF) 0.00 0.00
218 FLOOD RELIEF ALLOWANCE - PROTON (NON-TARIFF) 0.00
219 KEY CARE COVER - PROTON (NON-TARIFF) 1000.00 0.00
220 INSURED/POLICYHOLDER PERSONAL ACCIDENT-PROTON (NON 1000.00 0.00
15000.00

LEGISLATION:-
Road Transport Act, 1987 (Malaysia) Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore Motor Vehicles (Third Party Risks and Compensation) Rules (Republic of Singapore) Motor Vehicles Takaful (Third
Party Risks) Act (Cap 90) Negara Brunei Darussalam (the reference to legislation under the heading "Avoidance of Certain Terms and Right of Recovery" is limited to Section 94, 95 and 96 of the Road Transport Act 1987 (Malaysia) Section 7, 8
and 9 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore and Section 7 of the Motor Vehicles Takaful (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam.

UNDANG - UNDANG:-
Akta Pengangkutan Jalan Raya, 1987 Malaysia, Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapore, Peraturan Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) 1960 Republik Singapura, Akta
Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara Brunei Darussalam (rujukan kepada undang - undang di bawah tajuk "Pengelakan Peraturan - Peraturan Dan Hak Tuntutan Tertentu" adalah terhad kepada Seksyen 94, 95 dan 96
Akta Pengangkutan Jalan Raya, 1987 Malaysia. Seksyen 7, 8 dan 9 Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapura, dan Seksyen 7 Akta Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90)
Negara Brunei Darussalam).

Limits of Liability: - For and on behalf of / Untuk dan bagi pihak
Had Tanggungan: ZURICH GENERAL TAKAFUL MALAYSIA BERHAD

Limit of the amount of the Takaful Operator's Liability under Section B-1(a) .......... Unlimited Nazrul Hisham Abdul Hamid
Had jumlah tanggungan Pengendali Takaful di bawah Seksyen B-1(a) ..........

Limit of the amount of the Takaful Operator's Liability under Section B-1(b) .......... RM3,000,000.00
Had jumlah tanggungan Pengendali Takaful di bawah Seksyen B-1(b) ..........

Limitation as to Use : As shown in the Certificate of Takaful
Had Penggunaan : Seperti ditunjukkan dalam Sijil Takaful

Geographical Area : Malaysia, Republic of Singapore and Negara Brunei Darussalam
Had Wilayah : Malaysia, Republik Singapura dan Negara Brunei Darussalam

Authorised Driver : As shown in the Certificate of Takaful
Pemandu Yang Dibenarkan : Seperti ditunjukkan dalam Sijil Takaful

Code / Kod MX1

CERTIFICATE OF TAKAFUL SIJIL TAKAFUL

ROAD TRANSPORT ACT, 1987 (MALAYSIA) AKTA PENGANGKUTAN JALAN RAYA, 1987 (MALAYSIA)
THE MOTOR VEHICLES (THIRD PARTY RISKS, RULES 1959 (MALAYSIA) PERATURAN KENDERAAN MOTOR (RISIKO PIHAK KETIGA) 1959 (MALAYSIA)
THE MOTOR VEHICLES (THIRD PARTY RISKS AND COMPENSATION) ACT AKTA KENDERAAN MOTOR (RISIKO DAN PAMPASAN PIHAK KETIGA) (CAP 189) (REPUBLIK SINGAPURA)
(CAP 189) (REPUBLIC OF SINGAPORE) PERATURAN KENDERAAN MOTOR (RISIKO DAN PAMPASAN PIHAK KETIGA) 1960 (REPUBLIK SINGAPURA)
THE MOTOR VEHICLES (THIRD PARTY RISKS AND COMPENSATION) RULES 1960 (REPUBLIC OF SINGAPORE) AKTA INSURANS KENDERAAN MOTOR (RISIKO PIHAK KETIGA) (CAP 90) NEGARA BRUNEI DARUSSALAM
THE MOTOR VEHICLES TAKAFUL (THIRD PARTY RISKS) ACT (CAP 90) NEGARA BRUNEI DARUSSALAM
T48045J-000
Certificate No. (No. Sijil) :

1. Index Mark and Registration Number of Vehicle : JUE3987 NCD:55.00%
(Tanda Indeks dan Nombor Pendaftaran Kenderaan) PROTON X70 1.8 TGDI EXECUTIVE 2WD 22 OCT 2021

2. Name of Certificate Holder (Nama Pemegang Sijil) : ABU BAKAR BIN AHMAD

3. Effective date of the Commencement of Covered for the purposes of the Regulations, Ordinance of Enactment :
(Tarikh Perlindungan Mula Berkuatkuasa bagi tujuan Peraturan - Peraturan, Ordinan atau Enakmen)

4. Date of Expiry of the Takaful (Tarikh Tamat Perlindungan) : 21 OCT 2022

5. Persons or Classes of Persons entitled to drive* (Orang atau Kelas Orang yang berhak memandu*) :

a) Participant
b) Any other person who is driving on the Participant's order or with his permission.
Provided that the person driving is permitted in accordancewith the licensing or other laws or
regulations to drive the Motor Vehicle or has been so permitted and is not disqualified by
order of a Court of Law or by reason of any enactment or regulation in that behalf from driving the Motor Vehicle.

Limitation on Usage
Use only for social, domestic and pleasure purposes and for the participant's business or profession.
The certificate does not cover:- Use for hire or reward, racing, pace-making, reliability trial,
speed-testing, or the carriage of goods (other than samples) in connection with any trade or
business or use for any purpose in connection with Motor Trade.

* Limitations rendered inoperative by Section 95 of the Road Transport Act 1987 (Malaysia) or Section 8 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore or Section 7 of the Motor Vehicles
Takaful (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam are not to be included under these heading.

* Had - had yang tidak lagi berkuatkuasa kerana Seksyen 95 Akta Pengangkutan Jalan Raya, 1987 (Malaysia) atau Sekyen 8 Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapura atau Seksyen 7
Akta Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara Brunei Darussalam tidak boleh dimasukkan di bawah tajuk ini.

Issued in pursuance to cover Note No : TR21-19321
Dikeluarkan mengikut Nota Lindung No :

I / We hereby certify that the Certificate of Takaful to which the Certificate is issued in accordance with the For and on behalf of / Untuk dan bagi pihak
provisions of Part IV of the Road Transport Act, 1987 (Malaysia), Motor Vehicles (Third Party Risks & ZURICH GENERAL TAKAFUL MALAYSIA
Compensation) Act (Cap 189) Republic of Singapore and the Motor Vehicles Takaful (Third Party Risks)
Act (Cap 90) Negara Brunei Darussalam. BERHAD

Saya / Kami dengan ini mengesahkan bahawa Sijil Takaful yang berkaitan dengan Sijil ini dikeluarkan Nazrul Hisham Abdul Hamid
selaras dengan peruntukan - peruntukan Bahagian IV Akta Pengangkutan Jalan Raya, 1987 (Malaysia),
Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapura dan Akta
Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara Brunei Darussalam

CERTIFICATE OF TAKAFUL
This Certificate is not transferable to a new owner of the Vehicle .
If for any reason the Coverage is terminated during its currency this Certificate must be returned to the Takaful Operator or if this Certificate has
been lost or destroyed a Statutory Declaration to that Effect must be made . Failure to comply with this obligation is an offence under the
compulsory Takaful Legislation.
This Certificate must be returned if the Coverage is suspended during its currency.
SIJIL TAKAFUL
Sijil ini tidak boleh dipindahkan kepada pemilik baru Kenderaan.
Jika atas sebarang sebab Perlindungan Takaful ini ditamatkan semasa ia masih berkuatkuasa Sijil ini mesti dipulangkan kepada Pengendali
Takaful atau jika Sijil ini telah hilang atau dimusnahkan , satu Pengakuan Berkanun menyatakan demikian mesti dibuat. Kegagalan untuk
mematuhi kewajipan ini adalah satu kesalahan di bawah Undang - Undang Takaful wajib.
Sijil ini mesti dipulangkan jika Perlindungan digantung semasa ia masih berkuatkuasa.

IMPORTANT NOTICE
If you are involved in an accident causing injury to any person or damage to any property or other vehicle you must :
(a) Try to obtain names and address of any witness to the accident.
(b) Report to the Takaful Operator immediately.
(c) Refer to the Takaful Operator immediately all communications received from the Police Authorities.
(d) Send to the Takaful Operator immediately all letters from Third Parties unanswered.
(e) Not to pay money to any Party involved in the accident without the Takaful Operator's written permission.

NOTIS PENTING
Sekiranya anda terlibat di dalam sebarang kemalangan yang menyebabkan kecacatan kepada sesiapa atau kerosakan
kepada sebarang harta benda atau sebarang kereta anda mesti :
(a) Cuba mendapatkan saksi-saksi kepada kemalangan itu.
(b) Melaporkan kepada Pengendali Takaful dengan segera.
(c) Merujuk kepada Pengendali Takaful dengan segera segala perhubungan yang diterima daripada pihak berkuasa Polis.
(d) Mengirimkan kepada Pengendali Takaful dengan segera semua surat - surat yang diterima dari pihak - pihak lain tanpa
berjawab.
(e) Jangan membayar wang kepada sebarang pihak yang terlibat di dalam kemalangan itu tanpa mendapat kebenaran

I / We hereby certify that the Certificate of Takaful to which the Certificate is issued For and on behalf of / Untuk dan bagi pihak
in accordance with the provisions of Part IV of the Road Transport Act, 1987 ZURICH GENERAL TAKAFUL MALAYSIA
(Malaysia), Motor Vehicles (Third Party Risks & Compensation) Act (Cap 189)
Republic of Singapore and the Motor Vehicles Takaful (Third Party Risks) Act (Cap BERHAD
90) Negara Brunei Darussalam.
Authorised Signatory
Saya / Kami dengan ini mengesahkan bahawa Sijil Takaful yang berkaitan
dengan Sijil ini dikeluarkan selaras dengan peruntukan - peruntukan Bahagian IV
Akta Pengankutan Jalan Raya, 1987 (Malaysia), Akta Kenderaan Motor (Risiko
Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapura dan Akta Takaful
Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara Brunei Darussalam

Motor Takaful Policy

Private Car

Coverage for each type of cover What you should know when buying motor
Takaful cover
TYPES Third Third party, Comprehensive Coverable Interest
party fire & theft cover
cover Make sure that you buy cover as soon as you purchase a
COVER cover vehicle. If you buy a used car, you should protect your
interest by purchasing a motor takaful cover as the cover of
Liabilities to third P P P the previous owner is no longer valid even if legal ownership
party for: P P transfer has not been effected with Jabatan Pengangkutan
- injury O P Jalan (JPJ).
- death O O
- property loss/ O O O Covered Value/Sum Covered
damage
Ensure your vehicle is adequately covered.
Loss/ damage to New vehicle: sum covered = purchase price.
own vehicle due to Others: sum covered = market value of vehicle when
accidental fire/ theft certificate is bought.
Takaful Cover: if sum covered is less than the market
Loss/ damage to value, you are deemed as self-insuring the difference. In the
own vehicle due to event of a loss, you will only be partially compensated.
accident Excessive Takaful Cover: if sum covered is higher than
market value, maximum compensation is the market value
Liabilities to driver & of the vehicle. You cannot profit from a claim (principal of
passengers of own indemnity).
vehicle (property, Determination of market value of your vehicle is important
bodily injury, death) to avoid insufficient or excessive Takaful Cover.

Exclusions Average Clause

Your standard motor Takaful Certificate DOES It is applied when you suffer damage to your vehicle which
NOT cover: is insufficient covered. Your claim will be reduced
proportionately by the uncovered portion, e.g. if you have
- Your own death or bodily injury; covered your vehicle up to 70% of the market value, the
- Your liability against claims from your passengers; Takaful Operator will only pay 70% of the total repair cost.
- Theft of non-factory fitted vehicle accessories (car stereos,
leather seats, sports rim, etc.) unless otherwise declared. Disclosure
- Consequential loss, depreciation, wear and tear,
mechanical or electrical breakdown failures or breakages ; Disclose all material facts, e.g. any previous accidents and
and modification to engines. If you fail to do so, your Takaful
- Loss/damage arising from an act of nature e.g. flood, Operator may refuse your claim or any claim made by a
landslide. third party against you. In such cases, you are personally
liable for those claims.
However, you may pay additional contribution to cover some
of the above exclusions e.g. flood or your liability against No-Claim-Discount
claims from your passengers. Windscreen and vehicle
accessories covers are also useful extensions to consider for The contribution payable may be reduced by your NCD
preserving your No-Claim-Discount (NCD) in the event of a entitlement. NCD is 'awarded' if no claim was made against
loss/damage. Please check for other exclusions and your certificate during the preceding 12 months of
extension covers available with your takaful Operator/ agent. certificate. Your NCD entitlement will depend on the class
of your vehicle and number of years of continuous driving
experience without any claim made against your Takaful
Certificate. You will lose your entire NCD entitlement once
an own damage or a third party claim is made against your
certificate.

Facts

Excess - For own damage claims, call your Takaful Operator
immediately for advise. If your Takaful Operator
It is the amount of loss you have to bear while your Takaful recommends or requires that repairs be done at a
Operator will pay for the balance of your vehicle damage panel/ authorised workshop, then take your vehicle
claim. If you have an 'excess' on your certificate, you must there as advised. Your Takaful Operator will reject
pay the amount of the 'excess' direct to the repairer . your claim if your vehicle is sent to a workshop that is
not authorized by your Takaful Operator. Your Takaful
Payment of Contribution Operator will send a Takaful loss adjuster to access
the damage to your vehicle before authorising the
- Contribution must be made to the agent representing your repairs.
Takaful Operator or to your Takaful Operator directly
before cover can be granted. Betterment

- Payment can be made by cash, credit card or cheques It is applied when in the course of repairing an
(cheques should be made payable only in the name of the accident-damaged vehicle (age of vehicle is five years and
Takaful Operator). above), an old part is replaced with a new franchise part.
You will have to bear the difference in cost (depending on
- Insist on a receipt for the contribution paid to your Takaful the age of your vehicle) as your repaired vehicle is in a
agent or Takaful Operator. better condition than it was before the accident.

- With the full implementation of the JPJ eTAKAFUL system, Compensation for Assessed Repair Time (CART)
physical cover notes are no longer issued. However, a
statement containing details of your motor cover will be - CART means a reasonable amount payable by third
issued to you as confirmation of purchase of Takaful . party Takaful companies as compensation for loss of
use of vehicle.
- Through the JPJ eTAKAFUL, all information on Takaful
coverage will be channelled electronically by your agent / - You can only claim for CART if you are not the part at
Takaful Operator to JPJ. fault in the accident.

What you should know when making a claim - The number of days allowed for CART is based on
Takaful loss adjuster's recommendation on the
If your car is involved in an accident: number of working days estimated to repair the
accident-damaged vehicle and not the number of
- Take note of the names and addresses of all drivers days the accident-damaged vehicle is at the
involved, make/model and registration numbers of each workshop.
vehicle, the drivers' licence numbers, the Takaful
particulars and names and addresses of witnesses. - Where receipts are produced for vehicle rentals (only
from a licensed car rental company), Takaful
- Make a police report within 24 hours and immediately Operators shall pay the amount shown on the receipt
notify your Takaful Operator in writing with full details . and original car rental agreement, subject to the
condition that the vehicle rented is of an equivalent
- If your vehicle is damaged, you may either make an own model to that of the damaged vehicle. The number of
damage claim or a third party claim: days allowed is based on the takaful loss adjuster 's
Own damage claim - making a claim against your recommendation on the number of working days
own comprehensive certificate. However you will lose estimated to repair the accident-damaged vehicle.
your NCD entitlement.
Third party claim if you are not at fault in the How to lodge a complaint and redress
accident, you can submit the claim either directly to avenues available
the Takaful Operator of the party at fault, or if you have
a comprehensive certificate, to your Takaful Operator ,
without losing your NCD entitlement. You are
encouraged to submit your claim to your own Takaful
Operator for speedier claims processing.

For more information, log on to

www.insuranceinfo.com.my

or visit the kiosks at most branches of insurance
companies or contact your agent