Motor Class

At present, Motor Takaful Scheme is the largest portfolio for the General Takaful Business of Takaful Brunei Am Sdn Bhd (TBA) .There are two products offered under the Motor Takaful Scheme and the inventory are as follows:

I. Motor Private which consists of individual social car and motorcycle; or

II. Motor Commercial covers those vehicles that are commercially used; with the purpose of profit-making.

Scope of Cover

Comprehensive Cover

Section 1

 Accidental collision or overturning of the participant’s own Motor Vehicle;
Fire, external explosion, self ignition, lightning, or burglary housebreaking or theft of the Motor Vehicle;
Malicious Act

Section 2

Indemnify the Participant if the participant shall become legally liable to pay in respect of:

death or bodily injury to any third party.
damage to property of the third party

Third Party Cover

Similar cover as in Section 2 of the Comprehensive Cover

Understanding ‘Excess’

Excess is the amount that you or your authorised driver has to bear in the event of a claim. Currently, there are five (5) types:

1) Certificate holder (or Named Driver) Excess
2) Authorised Driver Excess
3) Territorial Limit Excess
4) Fire and Theft Excess
5) Young and Inexperienced Driver Excess


Cost of Repair: BND$5,000.00
Excess Payable by Owner: BND$500.00

The customer has to pay the Excess of BND$500.00 to the workshop and the remaining balance bourne by TBA.