Does Takaful myClick Motorcycle cover private motorcycles only?

Yes, this plan only provides Comprehensive Cover for private motorcycles aged less than 16 years with a cubic capacity not exceeding 225cc.

Can I participate in Third Party cover under Takaful myClick Motorcycle?

No, only Comprehensive Cover is available under Takaful myClick Motorcycle.

Who is eligible to apply for this plan?

This plan is offered to motorcycle owners aged 16 years old and above.

Does Takaful myClick Motorcycle provide motorcycle coverage outside Malaysia?

No, this plan does not provide motorcycle coverage outside Malaysia except for The Republic of Singapore and Negara Brunei Darussalam. The extension of coverage for The Republic of Singapore and Negara Brunei Darussalam is automatic under Takaful myClick Motorcycle.

What is the coverage period for Takaful myClick Motorcycle?

Takaful myClick Motorcycle provides one-year coverage for your motorcycle. You need to renew your motorcycle certificate annually.

Can I extend Takaful myClick Motorcycle to cover strike / riot and others?

Yes, you can include the following additional cover (subject to an additional contribution) under Takaful myClick Motorcycle:

1. Bike PA Plus
2. Inclusion of Special Perils
3. Legal Liability to Pillion
4. Strike, Riot & Civil Commotion

How is my motorcycle sum covered determined under this plan?

Your motorcycle sum covered will be determined based on the current market value of the motorcycle at the time of renewal of your motorcycle takaful in reference to the Insurance Services Malaysia (ISM) Automotive Business Intelligence (ABI) vehicle valuation database.

We will reimburse you with the market value of your motorcycle at the time of total loss or theft, but subject to the sum covered as selected by you.

Does this plan cover a single rider or all riders?

This plan covers all authorised riders; you do not need to provide their details.

Is there any Roadside Assistance Program offered under this plan?

Yes, we offer the Tele Bantuan roadside assistance program for Takaful myClick Motorcycle. For details, please refer to the section below on Tele Bantuan services.

What is Bike PA Plus about?

Bike PA Plus provides personal accident coverage for you or your authorised rider riding or alighting from your motorcycle against death or permanent disablement due to a road accident.

For Muslim participants, the benefits include Badal Hajj and Qurban benefits.

There are 3 plans to choose from. You can choose to cover your pillion passenger under Plan 3. You can refer to the Product Disclosure Sheet here for more details.

When will the Badal Hajj and Qurban benefits under Bike PA Plus be payable?

If you sustain a bodily injury whilst riding your motorcycle and result in death or permanent disablement, we will pay the sum covered of the Bike PA Plus, which includes Badal Hajj and Qurban benefits to you (for permanent disablement claim) or your beneficiary (for death claim).

In the event of permanent disablement, you can use the compensation to perform Badal Hajj and Qurban.

For a death claim, your beneficiary can use the compensation to perform Badal Hajj and Qurban on your behalf.

Is there any age limit to claim the benefits under Bike PA Plus?

Yes, you and your authorised rider must be aged 17 years next birthday and above.

For Bike PA Plus Plan 3, there is no age limit for the pillion.

Is the benefit amount for Bike PA Plus the same for Muslim participants and Non-Muslim participants?

Yes, the total benefit payout for Bike PA Plus is the same for Muslim participants and Non-Muslim participants.

For Muslim participants, the benefits include Badal Hajj and Qurban benefits.

You can refer to the Product Disclosure Sheet here for more details.

Do I need to pay the excess in the event of a claim?

Yes, you will have to pay the excess as stated in your e-Schedule. The excess is the first amount of the claim you have to pay, and we will pay the amount beyond the excess.

How is the excess determined?

It varies according to the cubic capacity of your motorcycle.

How do I qualify for the cash back?

It’s simple; you will be entitled to the cash back so long as your certificate remains claims-free during the coverage period and you have provided your bank account details for us to make the payment via the e-Payment facility.

Is the cash back guaranteed?

No, it is not guaranteed. The historical cash back amount paid over the years is not an indication of future payouts, and it may vary in the future depending on the future claims and investment performance of our takaful risk fund.

When can I receive my cash back payment?

Your cash back payment will be processed 60 days after the expiry of your certificate. Your cash back payment will be credited to your bank account via the e-Payment facility.

Is Service Tax applicable for this plan?

Yes, this plan is subject to a 8% Service Tax.

Do I need to pay the stamp duty?

Yes, you will need to pay RM10 stamp duty under this plan.

What is the minimum contribution under this plan?

This plan is subject to a minimum contribution of RM20.

What are the payment methods allowed for this motorcycle takaful cover?

You can make the contribution payment via the following options:

1. Credit / debit card
2. Current / savings account via FPX
3. e-Wallet*
   • Boost
   • GrabPay
   • Maybank QRPay
   • TouchNGo

What is Motorcycle Tele Bantuan?

Motorcycle Tele Bantuan is our 24/7 emergency motorcycle assistance program provided to all our eligible participants with Comprehensive Private Motorcycle Takaful coverage.

What is covered under the Motorcycle Tele Bantuan?

Under the Motorcycle Tele Bantuan program, we provide the following services:

1. Breakdown assistance
1. 24/7 minor roadside repair
   If your motorcycle is immobilized due to a minor mechanical and/or electrical breakdown, our service provider will assist and repair the motorcycle on the roadside, such as changing tube, changing tires, changing battery, jump start, delivery of petrol, changing spark plugs, and/or minor wiring work, including other minor roadside repairs, which can be done on the spot.
   
   We shall only be liable to pay the labour cost up to a maximum of two (2) hours for the first time of breakdown assistance ONLY during the period of takaful. However, all other costs incurred, including replacement of tube, battery, tires, petrol, and/or other parts, will be borne by you.


2. 24/7 towing service
   If your motorcycle cannot be repaired on the spot, our service provider shall tow the immobilized motorcycle to the nearest workshop.
   
   We shall only be liable to pay the towing cost up to 30km (one-way trip) from the breakdown scene to the nearest workshop for the first time towing assistance ONLY during the period of takaful. If the distance between the breakdown scene and the workshop is more than 30km (one-way trip), you shall bear the additional cost of RM2.00 per km.

The breakdown assistance benefit is applicable on a one-time basis of utilization (i.e. either 24/7 minor roadside repair or 24/7 towing service) within the same period of takaful.


2. Accident assistance
If your motorcycle meets with an accident, our service provider will provide a free towing service to the nearest workshop up to a maximum of RM50.

What is covered under the minor roadside repair?

Our Tele Bantuan provider will assist and repair the motorcycle on the roadside for minor roadside assistance such as:

1. Changing tube;
2. Changing tires;
3. Changing battery;
4. Jump start;
5. Delivery of petrol;
6. Changing spark plugs; and/or
7. Minor wiring work, including other minor roadside repairs, which can be done on the spot.

If I need a minor roadside repair such as minor wiring work, how much do I have to pay?

We will cover the labour costs up to a maximum of 2 hours for minor roadside assistance. It will cost you nothing if the repair takes less than 2 hours. However, any spare parts cost other than the labour cost will be borne by you.

After the roadside repair, my motorcycle is still having a problem. What should I do next?

If your motorcycle cannot be repaired on the spot, our service provider will arrange towing to the nearest workshop. For distances of more than 30km (one-way trip), you will be charged at the rate of RM2.00 per km.

Can I request the breakdown assistance more than one time?

Yes, you can contact our service provider for any subsequent breakdown assistance, but all costs incurred will be borne by you. We will only cover the first time of breakdown assistance ONLY during the period of takaful.

What is covered under the breakdown towing service?

We will cover the towing fee up to a maximum distance of 30km (one-way trip) from the breakdown scene to the nearest workshop for the first time towing assistance ONLY during the period of takaful. If the distance between the breakdown scene and the workshop is more than 30km (one-way trip), you will need to pay the additional cost of RM2.00 per km.

My motorcycle broke down 40km from the nearest workshop. Can I still request the towing service?

Yes, you can, and we will cover your towing fee of up to 30km (one-way trip), but you will need to pay for the additional distance at the rate of RM2.00 per km. In this case, you will need to bear the cost for the remaining 10km, which is RM20.00 (10km x RM2.00).

If I am involved in an accident, can I request a towing service?

Yes, if your motorcycle meets with an accident, our service provider will provide a free towing service to the nearest workshop up to a maximum of RM50.

Who should I contact for the Tele Bantuan assistance services?

You may contact our 24 hours Tele Bantuan helpline at 1800-888-788 for Tele Bantuan assistance services.

How do I know if I need to pay an additional towing fee, and to whom should I pay?

We will advise you if there are any additional charges prior to the towing job. The towing will be arranged upon your consent to the charges. Our service provider will collect the additional charges from you (if any).

What is not covered under the Motorcycle Tele Bantuan?

We do not cover the following events under the Motorcycle Tele Bantuan:

1. Services which are not organized or pre-approved directly by our Tele Bantuan service provider;
2. Any costs or expenses not expressly covered under the program;
3. Cost of services which are claimable under the Comprehensive Private Motorcycle Takaful certificate;
4. If the covered motorcycle is or has been modified for participation in a rally and racing or modified against government regulations;
5. Any private motorcycle used for commercial or business purposes or registered other than a private motorcycle vehicle;
6. When the motorcycle keys are not available or damaged;
7. Towing a covered motorcycle for the purpose of disposing of the motorcycle
8. Towing a covered motorcycle for the purpose of transferring the motorcycle from one workshop to another;
9. No valid road tax is displayed on the covered motorcycle;
10. If the covered motorcycle suffers a breakdown and is immobilized on an unpaved road surface or on a non-gazetted road in Malaysia; or
11. If the customer requests the breakdown assistance for the 2nd time onwards.

How do I renew my motorcycle takaful cover?

You can renew your motorcycle takaful cover online via this website. If you have applied for this plan online before, we will send the Notice of Expiry (NOE) to you 30 days before your coverage expires, and you can renew by clicking the link provided in the NOE.

Can I increase / decrease the sum covered for my motorcycle anytime during the cover period? If yes, what is the procedure?

The adequacy of the sum covered is based on the ISM ABI market value at the time of renewal of your motorcycle takaful cover.

For any request for a revision in the sum covered, you are required to submit the endorsement form to any of our Takaful myCare Centres, subject to approval by Takaful Malaysia.

Can I include additional coverage after the commencement of the certificate? If yes, what is the procedure?

Inclusion of Legal Liability to Pillion and Strike, Riot & Civil Commotion after the commencement of the certificate is allowed except for Bike PA Plus and Inclusion of Special Perils. For this purpose, you are required to submit the endorsement form to any of our Takaful myCare Centres, subject to approval by Takaful Malaysia.

For Bike PA Plus and Inclusion of Special Perils, these can only be included at the inception or renewal of the certificate.

Where can I get the endorsement form?

Please download the endorsement form here.

Can I change my plan from Plan 1 to Plan 2 for Bike PA Plus cover or other add-on cover?

Change of plan for Bike PA Plus cover or other add-on cover is only allowed upon renewal. Cancellation of such add-on cover within the period of coverage is not allowed.

I have sold my motorcycle to another person. Can I transfer the motorcycle takaful cover to the new owner?

No, you are not allowed to transfer the motorcycle takaful cover to another person. You are advised to cancel your motorcycle takaful cover, and the new owner must apply for a new motorcycle cover.

I would like to transfer the NCD from Takaful myClick Motorcycle to another motorcycle policy / certificate. What is the procedure for the NCD withdrawal?

You can submit the NCD withdrawal request via myTakaful Customer portal, subject to approval by Takaful Malaysia.

Will I get a refund if I cancel my certificate?

Yes, you are entitled to a prorated refund provided no claim has been made under your certificate, including no claims made on additional coverage.

How do I submit my request for a cancellation or termination?

You can submit the cancellation or termination request via myTakaful Customer portal, subject to approval by Takaful Malaysia.

What should I do if there are changes to my contact details?

You can update your contact details via myTakaful Customer portal.

In the case of a total loss or theft, what is the total value of the compensation I am eligible for?

For own damage total loss or theft, the amount payable is the market value based on the ISM ABI value at the time of loss or the sum covered, whichever is lesser.

For example: If the ISM ABI value of your motorcycle is RM10,000, and the sum covered you have applied under this plan is RM12,000, then the total compensation value is RM10,000. However, in the event the market value is unavailable in the ISM system, our licenced adjuster’s recommendation will be used as a guide to determine the offer amount.

What should I do if I’m involved in an accident?

You can contact our 24 hours Tele Bantuan helpline at 1800-888-788 for assistance.

For details, please refer to the Claims Guide for Motorcycle Accidents here.

What are the claim options available in case of an accident?

There are three (3) options for you to claim:

• Option 1 (Own Damage): You claim against your own certificate. Impact: You will lose your NCD.
• Option 2 (Third Party Claim): You make a claim against the third party insurance company / takaful operator. Impact: Your NCD will not be affected. Eligibility: When it can be proven that the third party is at fault.
• Option 3 (Own Damage - Knock for Knock): You make a claim against your own insurer; we will communicate with the third party insurance company / takaful operator to notify them of the claim. Impact: Your NCD will not be affected. Own Damage – Knock for Knock is not applicable in the event the third party sustains injuries and the third party vehicle has no insurance coverage.

How do I get the list of preferred motorcycle workshops in my area?

You can click here for the list of preferred motorcycle workshops.

Can I choose my own workshop when I make a claim?

You should choose any of our preferred motorcycle workshops to facilitate faster claims processing and enjoy a 6-month warranty for workmanship repairs by our preferred motorcycle workshops.

Where can I refer to for the claims guide of this plan?

You may refer to our Claim Guide Handbook available via our corporate website at https://www.takaful-malaysia.com.my/others/Pages/ClaimDetails.aspx.

Alternatively, contact our Customer Service at 1-300 88 252 385.