Motor Takaful. Trust and Entrust
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- Elmer Watson
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1 Motor Takaful Trust and Entrust
2 Motor Takaful Because no vehicle is safe and sound from exposure to any traffic accident at any moment, God forbid, we at Al Rajhi Takaful offer Motor Takaful based on the principle of taking precautions which is encouraged by Islam. This program is designed to give you the necessary insurance flexibility for your vehicle, including covering your Civil Liability risk in the event of traffic accidents against others, or a third party. Benefits of MotorTakaful Motor Takaful gives you greater personal benefits through the following advantages: It is the right choice for insuring vehicles Provides highest limit to cover liability towards third parties in Saudi Arabia reaching up to 5 million riyals Provides traffic-certified guarantee to ensure the driver causing the accident is not arrested Insurance coverage is available for all types of vehicles and is not limited to a specific type Wide insurance coverage which includes accidents involving insured vehicle even if the driver is not aboard at the time of the accident. Reduces the burden on low-income families, where one insurance document for the vehicle is enough to allow all licensed family members to drive. Possible expansion of the program to cover personal accidents for driver and passengers
3 Rest assured One of the key features of Motor Takaful is that it relies on the latest information management systems to track the status of your vehicle, so as to ensure you get the best level of insurance service that you look forward to. In the event that your vehicle requires any other repair alternatives, we are able to provide these alternatives, whether through the agent, or via the network of workshops that we deal with. How much will the coverage cost you? With Motor Takaful you will get a comprehensive set of benefits granted to you at a reasonable cost, which makes the program an ideal choice due to the Takaful coverage it provides to you via selected agencies and repair centers that we deal with. Exceptions Comprehensive: Deductibles Outside boarder of geographical terriotory Breaching usual use limitations Use by an unuthorised person, or person without valid driving license Driving on sand or desert roads or unpaved roads Vehicle used by a person under drugs or intoxication Vehicle used by a person les than 21 years of age Third Party: Deductibles Death or bodily injury to participant, drivers and family members Death, bodily injury or damage which is due to loading or unloading of the vehicle and / or cargo Loss and / or damage to covered vehicle Any legal libility or expenses arising or relating to increase of carriage and / or excess of stress and / or the carriage is not fixed well on the vehicle in a way breaching the low and / or its passengers at time accident exceeds the legal number permitted by law Please refer to plan terms and conditions for more details.
4 About Takaful Takaful is an Islamic insurance system based on the principle of co-operation aimed at voluntary and collective risk-sharing by all members of society. Takaful is among contribution contracts that are intended to help fragment risks and share responsibility in the event a disaster occurs. Takaful is free of usury, and the Islamically forbidden ambiguity. The person involved in Takaful program does not sustain any harm if he/she determines the benefit he/she accrues, because at the end of the day, he/she is just a person who donated, like everyone else Takaful claims are paid without interest or loans, while insurance claims are paid from the company s insurance fund. In terms of investment, Takaful is permissible according to Sharee ah, while ordinary insurance is obliged to compensate only if damage/harm occurs.
5 Vehicle Takaful Al Rajhi Takaful offers comprehensive range of vehicle takaful benefits and coverages to suit different needs and budget. We offer three levels of coverage to choose from as shown in the below table: Plan & Coverage Third Party Comprehensive Agency Repair Comprehensive Non-Agency Repair Loss or Damage by fire or theft x Loss or Damage by other insured causes x Repair at Agency Workshop x x Repair at Quality Workshop (Non Agency) x Personal Accident Benefits (up to SR100,000)* x Death or Injury to Third Party* Damage to Third Party Property Cancellation Refund * * - On prorata basis - No refund in case of claim Option to include one additional driver* x Option to add more countries (GCC, Jordan, Syria, Lebanon.)* x Claim Recovery Service In any claim involving a liable third party, we will undertake to pursue a recovery from that liable third party on your behalf. x * Subject to payment of additional participation * * Subject to Terms and Conditions
6 Contact Us Call Center: , Fax: (+966 1) PO. Box: 67791, Riyadh 11517, Kingdom of Saudi Arabia - info@alrajhitakaful.com
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