Benefits 

All our motor policies include cover for:

• Accidental damage to your car and any other car, passengers, or third party involved in an accident you cause.
• Damage caused by fire or theft of your vehicle.

Additional Benefits:

• Attractive rates for comprehensive and third-party cover, with flexible payment options
• Up to three years of agency repairs with additional fees
• Free UAE coverage
• Optional car replacement cover in the event of an accident
• Free personal accident cover for private vehicles with up to five passengers
• Free medical expenses cover for accidents involving the insured vehicle.
• Instant Issuance of Takaful policy - your cover starts immediately.
• Smooth and seamless claims process for added peace of mind.

Comprehensive Takaful Coverage:

Comprehensive coverage through Takaful Motor Insurance from Muzn safeguards you against loss or damage to your insured vehicle (Own Damage), as well as providing third-party coverage. You can also protect your car against road accidents, theft, fires, and natural disasters such as floods and lightning strikes.

Optional extras:

For just 30 baizas per day, you can enjoy:

• Car replacement benefit for up to 15 days*
• Pick-up and delivery of your car for routine maintenance once a year*
• Annual worldwide travel cover (unlimited trips of up to 92 days per trip)*

For a small additional contribution, dealer repairs can be extended to three years from the vehicle's first registration.

*T&Cs apply

Eligibility
Takaful Motor Plan is available on cars registered to Omani citizens and expatriate residents who are:
Muzn Islamic Banking customers

• Standard cover is available for sedans and four-wheel drives for private use. The policy excess is as per UMIP-CMA guidelines.
• Commercial vehicles, taxis, rent-a-cars, trucks, and driving school vehicles will be subject to a separate tariff. Policyholders under 25 years old may also be subject to a separate tariff.
• Takaful Coverage is also available for company-registered vehicles for social, commercial, and domestic use. A separate tariff will be applied.

How to apply

Please complete the Application Form and submit to our staff at the nearest branch for further guidance.

Fees and Charges

Private Vehicles - Comprehensive Premium Structure and Key Benefits:

*A special price of RO 105 to be paid as additional premium annually to avail this benefit in the Second Year

**Flat rate of 3% from second year to third year.

• Import vehicles are excluded from Comprehensive Cover
• Govt Tax @ 1.85% of total premium

Scheme for Existing Renewal Customers with No Claim Cases

• Govt Tax @ 1.85% of total contribution
  

Private Vehicles - Third-Party Premium Structure and Key Benefits:

FAQ'S

1.     I have an old car. Can you provide comprehensive cover for all vehicles irrespective of vehicle age?

No, comprehensive cover is available only for vehicles up to the age of 7 years. If you require comprehensive cover for any vehicles over 7 years, your application will need to be referred to the takaful company who will review each case and be as supportive as possible in helping you with your requirements.

2.     I have a comprehensive car takaful policy. What will it cover?

Damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft, or a malicious act unless specifically excluded Expenses against third-party bodily injury/property damage arising out of the use of the participant vehicle.

3.     I only have a third-party liability policy. What will it cover?

Death or bodily injury to any third party/person. Damages to third-party property arising out of the use of your motor vehicle.

4.     What is the excess (deductible) if I claim?

The fixed amount specified in the policy schedule to be borne by the participant for each accident. Our standard excess is RO 50.

5.     I have just had an accident. What do I need to do to apply for a claim?

In the unfortunate event of a claim, you will need to submit the following documents along with your claim form:

• Claim Form
• MRTA (Minor Road Traffic Accident Form) in case of minor accidents
• Copy of driving license
• Copy of registration card (Mulkiya)
• Royal Oman Police report

6.     Am I eligible for agency repair cover?

We offer agency repair cover up to 3 years for retail customers at an additional contribution.

7.     Do you provide motor takaful for high-value cars and sports cars?

Takaful for high-value cars above RO 50k or sports cars can be arranged on a referral basis to the takaful company.

8.     8. Can I cancel my policy at any time?

Policy cancellations may be considered in the following circumstances:

• Cancellation of the vehicle registration and validated by the ROP
• Transfer of ownership of the vehicle to another person
• The vehicle is covered by another insurer
• Policy will be canceled only after producing valid proof for all the above

9.     If the policy is canceled, do you return the contribution for the unexpired period?

The contribution for the unexpired period is returned as long as no claims were made during the Takaful period. The refund is calculated on a short-period basis as per the CMA.

10.  Why can't the takaful and registration be in two different names?

This is an Oman Traffic law requirement.

11. What is an orange card? When is it required? How do I get one?

An Orange card is a document developed by GAIF (General Arab Insurance Federation) for facilitating easier Motor claim settlement within its member countries. The Orange Card covers damages caused to/by the participant to/by a third party in a foreign GAIF member country.

An Orange Card is required when you are visiting the UAE or any one of the GAIF member countries.

11.  Can you extend the replacement car service beyond 15 days?

No, the car replacement option is maximum only for 15 days, also this option can be availed on the condition that at the time of the claim, the vehicle is in the garage for repair for a minimum of 48 hours.

12.  How can the customer get a Travel Takaful certificate under the Mapfre cover?

If the customer has availed Mapfre (Roadside Assistance) option, travel cover is provided free, and if the customer needs the certificate, then he/she will have to submit the 1st page of the Passport scan copy with the policy number to Takaful Oman who will provide the certificate for the same. Also, in case of a claim, the customer can call the toll-free number 24785486 , which is mentioned in the Mapfre card.