Step 1: Call for Assistance

Contact our Tele Bantuan helpline number at 1800 888 788 for accident, towing or breakdown assistance. Alternatively, for Private Car, you can also download Click for Cover mobile app for fast and easy Tele Bantuan services.

Click for Cover avaliable on App Store or Google Play
For any claim or certificate related enquiries, contact our Customer Service at 1-300-88-252-385.​

Step 2: Gather Evidence

Note down the following details:-

1. Place and time of the accident
2. Personal particulars of the driver involved in the road accident (driving licence number, contact number and address)
3. Name of the takaful operator/ insurer of the other vehicle/s
4. The make/model and registration number of the other vehicle/s involved in the road accident
5. The registration number of tow truck (if any)
6. Snap photos and note down the extent of the damages to the vehicles/property involved
7. Draw a simple diagram of the accident scene. This will help you when making a police report later on as you will be required to do so.

Step 3: Lodge a Police Report

Make a Police Report of the accident within 24 hours. Late reporting can result in a fine.

Step 4: Notify Us

• Notify us within seven (7) days from the date of the accident. Submit your motor claim together with the supporting documents via Click for Cover mobile app.
• Submit all letters, claims, writs and summons which you have received from the third parties as a result of the accident to us immediately.

Step 5: Send your Car/Motorcycle to a Panel Workshop

1. Send your vehicle to our nearest Approved Panel Repairer / Motorcycle Preferred Repairer.
2. We will appoint an adjuster to assess the damage. Please co-operate with the investigators and appointed loss adjuster to undertake an independent assessment of the repairs recommended by the panel workshop.

1. A claim towards loss or damages sustained by your car in an accident on your own takaful certificate if the accident was your fault.
2. Your NCD (No Claims Discount) is forfeited when you make this claim.
3. Only valid for comprehensive motor takaful certificate.

Note down the following details:-

1. Your car is economical to repair.
2. Your car will be arranged for repair at our approved repairer.
3. Please refer to Takaful myMotor – Private Car Full Certificate (refer to Basis of Settlement section).

Documents Required:

1. Duly completed Motor Takaful Claim Form
2. Copy of Police Report
3. Copy of Police Summons (If any)
4. Copy of Participant’s NRIC & Valid Driving License
5. Copy of Driver’s NRIC & Valid Driving License
6. Copy of Updated Vehicle Registration Card (view sample) or Vehicle Ownership Certificate (VOC) (view sample)
7. Repairer Estimates
8. Copy of Company Form (Form 9, 24 and 49 – applicable if Participant is Company)

Note down the following details:-

1. If the damage to your car is major that it would not be safe or economical to repair, we will declare your car as “Beyond Economic Repair” (“BER”).
2. Please refer to Takaful myMotor – Private Car Full Certificate (refer to Basis of Settlement section).
3. The Certificate shall be automatically terminated upon payment of the said amount.

Document Required:

1. Duly completed Motor Takaful Claim Form
2. Copy of Police Report​
3. Copy of Police Summons (If any)
4. Copy of Participant’s NRIC & Valid Driving License
5. Copy of Driver’s NRIC & Valid Driving License
6. Copy of Company Form (Form 9, 24 and 49 – applicable if Participant is Company)​

Upon Claims Approval (offer letter issued):

1. Vehicle Keys
2. Undertaking letter from financy company
3. JPJ K3 Form in duplicate – duly filled and signed (and stamped, if company’s vehicle) Please complete Part A with signature and date (duly stamp if company’s vehicle).
4. JPJ K1C Form duly signed – duly filled and signed (and stamped, if company’s vehicle) Please complete Part A, B and E(1) with signature and date (duly stamp if company’s vehicle).
5. Resolution Letter duly signed by directors and certified by Company Secretary (if company’s vehicle)
6. Approved Permit & Custom Declaration Form (only for imported vehicle)
7. Original Vehicle Registration Card duly signed and stamped (if company’s vehicle only) (view sample) or Original Vehicle Ownership Certificate “Sijil Pemilikan Kenderaan” (VOC) (view sample) with JPJ Extract “Maklumat Terperinci Kenderaan dan Insurans”
8. Duly filled and signed direct credit transfer form together with a copy of the bank passbook or bank statement
9. Attached Discharge Voucher jointly signed & stamped by Hire Purchase owner

Definition
OD-KFK stands for Own Damage Knock for Knock (OD-KFK) claim. In the event of a motor accident and if it is not the participant’s fault, one may make an OD-KFK claim on his/her own comprehensive takaful/insurance without the NCD (No Claim Discount) being forfeited and a faster claim processing.

It’s an agreement between two takaful/insurance companies whereby, when both companies’ participants/policyholders incur losses in the same covered event (usually a motor accident); each takaful operator/insurer pays the losses sustained by its own participant/policyholder regardless of who was responsible.

Note: This is determined by the circumstances of the accident and through the Police Investigation Result. The third party is mandatory to have takaful/insurance coverage in order to treat the claim as OD-KFK. OD-KFK is not applicable for hire and reward vehicle such as taxi, bus or rented car.

Documents Required:

1. Duly completed Motor Takaful Claim Form
2. Copy of Police Report
3. Copy of Police Summons (If any)
4. Copy of Participant’s NRIC & Valid Driving License
5. Copy of Driver’s NRIC & Valid Driving License
6. Copy of Updated Vehicle Registration Card (view sample) or Vehicle Ownership Certificate (VOC) (view sample)​
7. Repairer Estimates
8. Copy of Company Form (Form 9, 24 and 49 – applicable if Participant is Company)

Additional Documents

1. Copy of Third Party’s Police Report
2. Police Sketch Plan
3. Police Investigation Results
4. JPJ Search of Third Party’s Takaful/Insurance​
5. Signed declaration letter by Participant

Definition
A claim made if the vehicle is stolen and it is only valid for the comprehensive motor takaful or third party fire and theft coverage.​

Documents Required:

1. Duly completed Motor Takaful Claim Form
2. Copy of Police Report
3. Copy of Participant’s NRIC & Valid Driving License
4. Copy of Driver’s NRIC & Valid Driving License

Upon Claims Approval(offer letter issued):

1. All keys
2. Undertaking letter from finance company
3. Duly filled and signed (& stamped, if company’s vehicle) JPJ K3 Form in duplicate Please complete Part A with signature and date (duly stamp if company’s vehicle).
4. Duly filled and signed (& stamped, if company’s vehicle) JPJ K1C Form Please complete Part A, B and E(1) with signature and date (duly stamp if company’s vehicle).
5. Resolution Letter duly signed by directors and certified by Company Secretary
6. Police Investigation Result
7. Duly filled and signed direct credit transfer form together with a copy of the bank passbook or bank statement
8. Original Vehicle Registration Card (view sample) duly signed and stamped (if company’s vehicle only) or Original Vehicle Ownership Certificate “Sijil Pemilikan Kenderaan” (VOC)(view sample) with JPJ extract “Maklumat Terperinci Kenderaan dan Insurans”

Definition
A claim made to replace or repair any glass in the windscreen, window or sunroof of your car that is accidentally damaged. You will not lose your No Claim Discount (NCD) entitlement if this claim is made under the additional benefit of windscreen. Please refer to Takaful myMotor – Private Car Full Certificate (refer to Endorsement C089) for more details.

There are two types of Windscreens Claims:

1. Replacement:

1. The additional benefit of windscreen will end as soon as the damaged glass is replaced.
2. If you want to continue to enjoy this protection, you need to re-authorize the car mirror protection and pay an additional contribution to us.

2. Repair:

1. If the damaged glass is repaired, the additional benefit of windscreen will continue but the limit of the amount payable will be reduced by the amount of the repair cost.
2. You can reinstate the amount by paying an additional contribution to us or maintain the balance after the claim.

Documents Required:

1. Duly completed Motor Takaful Claim Form
2. Copy of Participant’s NRIC and Valid Driving License
3. Copy of Updated Vehicle Registration Card (view sample) or Vehicle Ownership Certificate (VOC) (view sample)
4. Cash Bill
5. Photo Before Repair
6. Photo After Repair​
7. ​Payment Authorization Letter (if the participant has already replace the windscreen at the workshop)
8. Copy of Company Form (Form 9, 24 and 49 – applicable if Participant is Company)

Definition
A claim made by you against a Third Party Insurer for the cost of repairs in the event of an accident that happens in accordance with a KFK agreement

Documents Required:

1. and
2. Copy of Police Report
3. Police Sketch Plan and Keys
4. Police Investigation Result
5. Copy of Third Party’s Owner’s NRIC and Valid Driving License
6. Copy of Driver’s NRIC and Valid Driving License
7. Copy of Vehicle Registration Card (view sample) or Vehicle Ownership Certificate (VOC) (view sample)
8. Copy of Road Tax Disc
9. Original Adjuster’s Report, Bill, Receipt and Photographs
10. Breakdown/ quantification of Claims
11. Repairer’s Estimate (for minor claims where adjuster is not appointed)
12. Original Repairer’s Receipt for Excess and Underinsurance paid (for uninsured losses claims)​

Definition
Third party claims for bodily injuries or death as a result of a motor vehicle accident involving participant’s vehicle.

Documents Required:

1. Letter of appointment/ Warrant to act
2. Writ of Summons and Statement of Claim
3. Liability and quantum/ Quantification of claim
4. Police Report of Plaintiff and Defendant
5. Police Investigation Result
6. Medical Report and Specialist Report
7. JPJ Search of Third Party Insurance
8. Police Sketch Plan and Keys and Police Photographs
9. Copy of Plaintif’s NRIC and Valid Driving License
10. Copy of Plaintiff’s Motor Certificate/Policy

Definition
In the event your vehicle sustains water damage due to flooding, flash flood, overflowing of waterways, drains, rivers or mud slides which require towing and cleaning, you can submit to us the documents required for reimbursement of towing and cleaning expenses. Upon receipt of the complete documents, we will reimburse you up to the sum covered as selected by you in the Schedule. Please refer to Takaful myMotor – Comprehensive Private Motor Takaful Certificate (refer to Endorsement C203) for more details.

Documents Required:

1. Duly completed Motor Takaful Claim Form
2. Copy of Police Report
3. Original Invoice
4. Copy of Participant’s NRIC and Valid Driving License
5. Copy of Updated Vehicle Registration Card (view sample) or Vehicle Ownership Certificate (VOC) (view sample)
6. Photographs before and after the cleaning process

Definition
A claim made if the car key is stolen or lost during the period of takaful. Upon receipt of complete documents, we will reimburse you 80% of the cost to replace the key up to the sum covered as selected by you in the Schedule. Takaful myMotor – Comprehensive Private Motor Takaful Certificate (refer to Endorsement C202) for more details.

Documents Required:

1. Duly completed Motor Takaful Claim Form
2. Copy of Police Report
3. Original Invoice
4. Copy of Participant’s NRIC and Valid Driving License
5. Copy of Updated Vehicle Registration Card (view sample) or Vehicle Ownership Certificate (VOC) (view sample) ​​​​​​​​​​​​​​​​​​​