Frequently asked questionss

This product cover Accidental Death and Permanent Disablement up to the limit of RM3,000.

Anyone who are:

Malaysian or foreigner with a valid work permit, student permit, entry permit, permanent resident status, or Malaysia My Second Home (MM2H) visa status;
Register with Moby Islamic BNPL program; and
At least 18 years old and above (all ages refer to the age of Your next birthday).

The duration of cover is varies based on your selection of Moby Islamic Buy Now Pay Later (BNPL) Plan, which range from 2 months, 3 months and 6 months, from the date you have successfully take up the BNPL program.

No cancellation is allowed once your Certificate of Takaful has been issued.

Once your BNPL application had been approved by Moby, your takaful coverage will be effective immediately. You will be notified via email notification from Moby Islamic.

Yes, you will received an e-Takaful certificate via email from Moby Islamic, once your BNPL application had been approved by Moby Islamic.

Small Amount shall mean any amount below Ringgit Malaysia Ten (RM10) arises from contribution excess, cancellation, surplus distribution or claims that are to be made other than by way of electronic payment. The Small Amount shall be channeled to charity. However, if You decide otherwise, You are required to submit a formal request to Us. We may review the applicability of the above stated small amount and any change to the amount will be subjected to Our Shariah Committee approval.

If you have inquiries regarding to the Credit Shield Protection product, you may email to Moby Insure Support team at cs@mobyinsure.com

• Duly Completed Claim Form
• Certified True Copy of Death Certificate (for death claim)
• Certified True Copy of Post-Mortem Report (for death claim)
• Medical specialist report and assessment of the disability done within 12 months after the date of accident (for permanent disablement claim)
• Photos for total loss by physical severance / amputated (for permanent disablement claim)
• Medical report and any other documents to support the claim
• Copy of police report on the alleged accident (if any)

Zurich General Takaful Malaysia Berhad will revert within seven (7) working days from the last document received.

A comprehensive motor insurance policy covers damage to your vehicle from a wide range of incidents, including accidents, theft, fire, vandalism, natural disasters, and damage caused to third parties. It offers the highest level of protection for your vehicle.

Comprehensive motor insurance typically does not cover:

• Wear and Tear: Damage from regular use or aging of the vehicle.
• Driving Under Influence: Accidents caused while driving under the influence of alcohol or drugs.
• Unlicensed Drivers: Accidents involving drivers without a valid license.
• Illegal Activities: Damage caused while using the vehicle for illegal activities.
• War and Terrorism: Damage due to war, civil unrest, or acts of terrorism.
• Mechanical or Electrical Breakdown: Failures not caused by an accident.
• Unauthorized Use: Damage while the vehicle is being used by someone not covered under the policy.

(Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.)

Market Value coverage refers to a type of motor insurance where the compensation you receive for a claim is based on the current market value of your vehicle at the time of the loss or damage. This value is determined by the insurance company considering factors like the car’s age, make, model, and condition. It may be lower than the original purchase price or the insured value due to depreciation over time.

Agreed Value coverage is a type of motor insurance where the compensation amount is predetermined and agreed upon by both you and the insurer at the start of the policy. This agreed value does not change over time, regardless of the vehicle’s market depreciation. In the event of a total loss, such as theft or severe damage, you will be paid the agreed amount rather than the current market value.

A No-Claim Discount (NCD) is a discount on your premium for not making any claims during a policy period. The discount increases with each claim-free year, helping to reduce your insurance cost.