Z-Driver Takaful
Comprehensive Car Takaful with 24/7 Roadside Assistance - Z-Driver
Motor Takaful plan with super value add-ons to protect you and your loved ones.
At Zurich Malaysia, we understand that protecting your car is also about protecting your precious family and you. This is why we have designed Z-Driver Takaful - a comprehensive motor takaful plan. This car takaful plan is comparable to conventional car insurance plans but is Shariah compliant and comes with SUPER VALUE add-ons to protect your loved ones and your vehicle.
Z-Driver Takaful Product Features and Benefits
4 reasons why Z-Driver Takaful is the plan for you and your family!
PAY LESS IF YOU ARE IN THE LOW RISK SEGMENTS
Enjoy discounts up to 10% on your motor contribution if you are a safe driver. For example, if you are a cautious driver, lady driver and/or driving an SUV.
DISCOUNT UP TO 20% WITH VOLUNTARY EXCESS
Choose the offered limit that you wish to self-pay in the event of claims to get discount off your motor contribution.
WATER DAMAGE COVER FOR AS LOW AS RM10/YEAR
With this cover, you get reimbursed up to RM5,000 on towing and cleaning of your vehicle due to flood.
PA COVER UP TO RM175K/CAR, FOR AS LOW AS RM15/YEAR
Protects not just you, but your whole family or any other passengers in the car.
Terms & Conditions Apply.
60% discount of the tariff rate for Special Perlis coverage
Enjoy huge savings on your contribution and get peace of mind knowing that your vehicles are protected against damages due to natural disasters such as earthquakes, sinkholes, landslides and floods.
Complimentary cover extension to unlimited named drivers for private use
No more limit to the number of complimentary named drivers under your motor certificate. You can now extend your coverage to an unlimited number of additional named drivers free of charge.Waiver of Betterment - A safeguard from rising spare parts cost
In the event of accident, you may end up bearing a portion of damaged part's cost. Worry no more with our Waiver of Betterment; you can now replace the damaged part with a new, original part with no extra cost.Enhanced Windscreen Cover
Your windscreen cover will not be terminated after a replacement claim. Instead your windscreen sum covered will be reduced by deducting the windscreen claims amount. In, addition you also have the option to reinstate the claims amount portion of your windscreen cover at a pro-rated contribution rate.
Home Wall Charger
Personal Liability Whilst Using EV Chargers
Up to RM50,000 Coverage for legal liability if an authorised driver causes an accident with the electric charging cable while in use.
Portable Charging Cable
Up to RM2,000 Reimbursement for repair or replacement of portable charging cable due to accident or overturning, theft or fire.
Compassionate Cover
Up to RM20,000 Reimbursement for repair costs if your EV gets damaged and/or driver suffers injury while using public EV charging station.
Towing service to Nearest Charging Station
24 Hours Towing to the nearest charging station, within your existing certificate towing limit.
EV Special Peril Cover (Optional Add-on)
Your Special Perils Cover has been enhanced to include damage or loss to EV battery or its parts from water ingression caused by covered perils.
If you are an E-Hailing driver, you might already be aware of the challenges arising from situations such as heavy traffic, pothole-riddled roads, difficult passengers, or even damages to your vehicle caused due to various unforeseen reasons.
Such difficulties can affect your income negatively. Zurich E-hailing endorsement provides takaful cover to protect you, your vehicle, and your passengers from such challenges to a large extent. It offers the following coverages and benefits:
- Loss or damage to your car
- Liability to third parties
- Legal liability to fare-paying passengers
- Legal liability of fare-paying passengers for negligent acts
- Personal Accident Cover of RM50,000 for authorised E-Hailing driver
Accidental benefits in the event of
- Death
- Permanent Total Disablement. The benefits can be claimed for injuries resulting in being permanently bedridden, loss of sight in one or both eye(s), loss of one or both hand(s), loss of one foot or both feet.
- Weekly Benefit for up to 26 weeks for Permanent Total Disablement.
Meet with a Zurich Takaful Agent
Find a Zurich Branch Near You
Contact our Zurich Call Centre
We're Here to Help: Common Questions
Motor takaful is a Shariah compliant car takaful plan that provides coverage for your vehicle if it gets damaged, stolen, etc. Also, unlike in conventional motor insurance, in motor takaful the beneficiary will receive his/her money back even if no claim is made. Check out the Zurich comprehensive motor takaful that offers takaful plans for your vehicle with various add-ons to provide you maximum benefits.
When you book a car, taxi, motorbike, or any other form of transportation from an electronic device (smartphone, laptop, etc.) to pick you up from one location and drop you off at another, then that process is known as e-hailing. You can check out Zurich's E-hailing takaful plan to get maximum coverage.
For general inquiries, please call in to our Call Centre at 1-300-888-622 (within Malaysia) or +603-2109-7999 (outside Malaysia) (Mondays – Fridays: 8:30AM - 5:15PM excluding public holidays) or email us at callcentre@zurich.com.my.
For roadside assistance, contact our Zurich Roadside Assistance 24-hour hotline at 1-300-88-5566 or WhatsApp +603-7989 0345.
Notify Zurich as soon as practically possible to avoid delays. Generally, we request that you notify us of a claim within seven (7) days of the date of accident/loss.
Head to the nearest authorised or panel workshop, where you will be guided through the claim submission process. Please prepare the necessary documents for submission: Claims Process
You can find the list of our authorised panel workshops here: Workshops for Motor Insurance and Takaful
Own Damage/Road Accident/Flood Claims:
Step 1:
Call our 24-hour Roadside Assistance at 1-300-88-5566 for help towing your vehicle to any authorised or panel workshop
Take photos of your vehicle with car plate number visible the flood scene.
Make police report within 24 hours.
Step 2:
Submit all required documents to the authorised or panel workshop within 7 days from the date of incident.
Police Report
Copy of Person Covered's and / or Driver’s Driving License
Copy of Person Covered’s Identity Card or Business Registration Card
Copy of Driver’s Identity Card
Copy of Vehicle Registration Card or Vehicle Ownership Certificate
Copy of Certificate of Takaful or Cover Note (for workshop’s verification)
Sign on the Zurich claim form provided to you by our panel workshop.
Step 3:
Upon receipt of full documents, the authorised or panel workshop will submit your claim to Zurich for processing within 3 working days*
You may check your claim status here (for Private Cars and Commercial Vehicles only).
Step 4:
Look forward to receiving an SMS at the point of successful registration and approval.
The authorised or panel workshop will contact you as soon as your vehicle is ready for collection.
Note: Duly completed and signed Motor Accident Claim Form is required for submission if your vehicle is sent to a non-panel workshop. We may also request for additional documents or information if further investigation is required.
*Excluding claims under further investigation and claims with severe vehicle damage.
Windscreen Repair Claims:
Step 1:
Prepare all required documents before proceeding to our recommended authorised or panel workshop / windscreen specialist.
Copy of Person Covered's and / or Driver’s Driving License
Copy of Person Covered’s Identity Card or Business Registration Card
Copy of Driver’s Identity Card
Copy of Vehicle Registration Card or Vehicle Ownership Certificate
Copy of Certificate of Takaful or Cover Note (for workshop’s verification)
Step 2:
Bring your vehicle to any of our authorised or panel workshop / windscreen specialist for a 24-hour windscreen repair or replacement*
Sign the Zurich claim form provided to you by our panel workshop / windscreen specialist.
Step 3:
Got it fixed at our authorised or panel workshop / windscreen specialist?
Great! You can check-out your vehicle without paying a single cent**
Note: Duly completed and signed Windscreen Claim Form is required for submission if your vehicle is sent to the non-panel workshop.
*Subject to the availability of the parts.
**Provided your windscreen is adequately insured.
| Own Damage / Road Accident / Flood | Windscreen | Theft |
Note: Duly completed and signed Motor Accident Claim Form is required if your vehicle is sent to a non‑panel workshop. Additional documents or information may be requested if further investigation is required. * Excluding claims under further investigation and claims with severe vehicle damage. |
Note: Duly completed and signed Windscreen Claim Form is required if your vehicle is sent to a non‑panel workshop. * Subject to availability of parts. |
Note: Additional documents or information may be requested if further investigation is required. |
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You can send your vehicle for repair at least 7 working days after the accident. Please take your vehicle to our nearest authorised or panel workshop as soon as possible.
Find the list of our authorised panel workshops here: Panel Workshops
Workshops for Motor Insurance & Takaful: Workshops for Motor Insurance and Takaful
Windscreen Specialist for Motor Insurance & Takaful: Windscreen Specialists for Motor Insurance and Takaful
Preferred Windscreen Specialist for Motor Insurance & Takaful: Preferred Windscreen Specialists
Generally, processing takes up to 14 working days, subject to the severity of the damages. You will receive WhatsApp updates when your vehicle is ready for collection.
You can obtain a police report by lodging the accident at the nearest police station.
Yes, 24-hour roadside assistance is available. Please contact our 24-hour Roadside Assistance at 1-300-88-5566 or WhatsApp us at +603-7989 0345.
Please refer to your agent for clarification. For compulsory excess, please refer to your policy/certificate wording.
Zurich may deduct an additional RM400 as Compulsory Excess if at the time of the incident:
The driver is under 21 years old
The driver holds a Provisional (P) or Learner (L) license
The driver is not named in the Schedule as Named Driver.
You may submit a request for our review. Please note that the outcome depends on our assessment.
Step 1:
Make a police report within 24 hours.
Step 2:
Submit all required documents to any Zurich General Takaful branch within 7 days from the date of incident.
Duly completed and signed Theft Claim Form
Police Report
Copy of Person Covered's and / or Driver’s Driving License
Copy of Person Covered’s Identity Card or Business Registration Card
Copy of Driver’s Identity Card
Copy of Vehicle Registration Card or Vehicle Ownership Certificate
Step 3:
Upon receipt of full documents, Zurich will be in touch with you as part of the processing procedures.
For Agreed Value certificate, we shall get back to you on the claim decision within 21 working days*.
For Non Agreed Value certificate, this shall be within 48 working days*.
Note: We may request for additional documents or information if further investigation is required.
*Subject to the outcome of the investigation.
*All due care has been taken in preparing these FAQs. However, in the event of any inconsistences between the information provided in these FAQs and the terms of the Policy/Certificate, the provisions set out in the Policy/Certificate will prevail.
The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Takaful Malaysia's website or PIDM's website.
Zurich Roadside Assistance
(24-Hour Hotline)
+603-7989 0345
(for WhatsApp chat and local landline calls only)
*Applicable to Zurich General Insurance and Zurich General Takaful customers.
Zurich Courtesy Car Programme
Mondays – Fridays:
9:00AM - 6:00PM
Saturdays:
9:00AM - 1:00PM
(excluding Sundays and Public Holidays)