{"id":9649,"date":"2026-06-19T12:47:07","date_gmt":"2026-06-19T10:47:07","guid":{"rendered":"https:\/\/takaful.co.za\/dev\/?page_id=9649"},"modified":"2026-06-19T12:57:03","modified_gmt":"2026-06-19T10:57:03","slug":"faqs","status":"publish","type":"page","link":"https:\/\/takaful.co.za\/dev\/faqs\/","title":{"rendered":"FAQ&#8217;s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9649\" class=\"elementor elementor-9649\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20d7628 e-flex e-con-boxed e-con e-parent\" data-id=\"20d7628\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-83cff77 e-con-full e-flex e-con e-child\" data-id=\"83cff77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17f17c3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"17f17c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58089d2 elementor-widget elementor-widget-text-editor\" data-id=\"58089d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div>Uncertain about anything, look through our FAQ section for answers.\u00a0<\/div><div><div>\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dfdc4da e-con-full e-flex e-con e-child\" data-id=\"dfdc4da\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f34336c elementor-widget elementor-widget-image\" data-id=\"f34336c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"167\" height=\"300\" src=\"https:\/\/takaful.co.za\/dev\/wp-content\/uploads\/2026\/05\/t-icon-167x300.png\" class=\"attachment-medium size-medium wp-image-9450\" alt=\"\" srcset=\"https:\/\/takaful.co.za\/dev\/wp-content\/uploads\/2026\/05\/t-icon-167x300.png 167w, https:\/\/takaful.co.za\/dev\/wp-content\/uploads\/2026\/05\/t-icon-450x806.png 450w, https:\/\/takaful.co.za\/dev\/wp-content\/uploads\/2026\/05\/t-icon.png 558w\" sizes=\"(max-width: 167px) 100vw, 167px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ee50ce e-flex e-con-boxed e-con e-parent\" data-id=\"1ee50ce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-081d8a1 e-con-full e-flex e-con e-child\" data-id=\"081d8a1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-664b67a elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"664b67a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-right&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your questions, answered<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-750ea7d e-con-full e-flex e-con e-child\" data-id=\"750ea7d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cd6e7b elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5cd6e7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-left&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIf you&#8217;re new or looking for answers to your questions, this guide will help you learn more about our services and their features.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21eaa03 e-flex e-con-boxed e-con e-parent\" data-id=\"21eaa03\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fa09ccb e-con-full e-flex e-con e-child\" data-id=\"fa09ccb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbd4c38 elementor-invisible elementor-widget elementor-widget-n-accordion\" data-id=\"fbd4c38\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2640\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2640\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a Takaful Operator? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2640\" class=\"elementor-element elementor-element-5e08eac e-con-full e-flex e-con e-child\" data-id=\"5e08eac\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c1e65 elementor-widget elementor-widget-text-editor\" data-id=\"20c1e65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A Takaful Operator is an organization which manages Takaful Fund and takes up the responsibility of determining contribution amounts, collection of contributions and payments of claims to eligible Participants. In this role the Takaful Operator charges \u2018Wakala\u2019 fee for its services.<br \/><br \/>The Takaful Operator also manages investments of the Takaful Fund in which it also shares in the profits, if any, according to agreed proportion based on \u2018Mudaraba\u2019 principles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2641\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2641\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if there is a surplus on the Takaful Fund? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2641\" class=\"elementor-element elementor-element-5ec32b7 e-con-full e-flex e-con e-child\" data-id=\"5ec32b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-134fc41 elementor-widget elementor-widget-text-editor\" data-id=\"134fc41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>One of the unique aspects of the Takaful concept is the sharing of any surplus of the Takaful Fund amongst its Participants. The surplus is calculated after deducting expenses such as claims, net re-Takaful costs, and changes in the technical reserves.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2642\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2642\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a Wakala Fee? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2642\" class=\"elementor-element elementor-element-f1c427b e-con-full e-flex e-con e-child\" data-id=\"f1c427b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebc55b6 elementor-widget elementor-widget-text-editor\" data-id=\"ebc55b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The term \u2018Wakala\u2019 (Agency) is derived by from the word \u2018Wakeel\u2019 (Agent). It is the fee incurred by a Takaful Operator from the Participants to manage Takaful Fund.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2643\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2643\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What do you mean by Conribution\/Tabarru? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2643\" class=\"elementor-element elementor-element-dcd76ac e-con-full e-flex e-con e-child\" data-id=\"dcd76ac\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3f5733 elementor-widget elementor-widget-text-editor\" data-id=\"b3f5733\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The contribution for participation is paid to the Takaful Fund as \u2018Tabarru\u2019 (voluntary donation.) The \u2018Tabarru\u2019 concept is fundamental to Takaful system eliminating from it the uncertainty and gambling elements which are inherent in insurance contracts. Each Participant contributes into the Takaful Fund with the intention of assisting other Participants, and not as premium payment to the company, as done in conventional insurance contracts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a Takaful Operator?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A Takaful Operator is an organization which manages Takaful Fund and takes up the responsibility of determining contribution amounts, collection of contributions and payments of claims to eligible Participants. In this role the Takaful Operator charges \\u2018Wakala\\u2019 fee for its services.The Takaful Operator also manages investments of the Takaful Fund in which it also shares in the profits, if any, according to agreed proportion based on \\u2018Mudaraba\\u2019 principles.\"}},{\"@type\":\"Question\",\"name\":\"What happens if there is a surplus on the Takaful Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"One of the unique aspects of the Takaful concept is the sharing of any surplus of the Takaful Fund amongst its Participants. The surplus is calculated after deducting expenses such as claims, net re-Takaful costs, and changes in the technical reserves.\"}},{\"@type\":\"Question\",\"name\":\"What is a Wakala Fee?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The term \\u2018Wakala\\u2019 (Agency) is derived by from the word \\u2018Wakeel\\u2019 (Agent). It is the fee incurred by a Takaful Operator from the Participants to manage Takaful Fund.\"}},{\"@type\":\"Question\",\"name\":\"What do you mean by Conribution\\\/Tabarru?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The contribution for participation is paid to the Takaful Fund as \\u2018Tabarru\\u2019 (voluntary donation.) The \\u2018Tabarru\\u2019 concept is fundamental to Takaful system eliminating from it the uncertainty and gambling elements which are inherent in insurance contracts. Each Participant contributes into the Takaful Fund with the intention of assisting other Participants, and not as premium payment to the company, as done in conventional insurance contracts.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-771f0c0 e-con-full e-flex e-con e-child\" data-id=\"771f0c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a11a93 elementor-invisible elementor-widget elementor-widget-n-accordion\" data-id=\"1a11a93\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;opal-move-up&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2730\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2730\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Takaful seems exactly the same as conventional insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2730\" class=\"elementor-element elementor-element-9d27487 e-con-full e-flex e-con e-child\" data-id=\"9d27487\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bf1d43 elementor-widget elementor-widget-text-editor\" data-id=\"2bf1d43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tMany people apply for a low-interest personal loan to consolidate high-interest credit card debt.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2731\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2731\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is all insurance Haram and prohibited in Islam because Risk Protection (insurance) is against Tawakkul (total dependence on upon Allah SWT) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2731\" class=\"elementor-element elementor-element-4a5b495 e-con-full e-flex e-con e-child\" data-id=\"4a5b495\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2736cbd elementor-widget elementor-widget-text-editor\" data-id=\"2736cbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No, because no human action changes the will of Allah (SWT) or our destiny. Whether a person participates in a Takaful Fund or not has no effect on future events. However, we are urged to take precautions \u2026 just as we make provisions prior to starting our journey. In Hadith narrated by Anas bin Malik when an Arab Bedouin asked Prophet Muhammed (PBUH), \u201cShall I leave my camel untied and seek Allah\u2019s protection on it, or should I tie it?\u201d The Holy Prophet replied, \u201d Tie your camel and then depend upon Allah (swt).\u201d [as quoted by Sunan at Tarmizi, 1981]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2732\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2732\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> My home is not safe to live in due to the damage. Will my agreement cover the cost for temporary living arrangement? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2732\" class=\"elementor-element elementor-element-80e670e e-con-full e-flex e-con e-child\" data-id=\"80e670e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d696e4 elementor-widget elementor-widget-text-editor\" data-id=\"6d696e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If your schedule has building cover and there is a direct physical loss that makes your home uninhabitable then your agreement will pay for your temporary accommodation. Keep your receipts for additional living expenses during this time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2733\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2733\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> My home was damaged during a burglary. Is the damage covered? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"finpoan-icon- finpoan-icon-angle-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2733\" class=\"elementor-element elementor-element-a2e9646 e-con-full e-flex e-con e-child\" data-id=\"a2e9646\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;finpoan_line_number&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5555f4b elementor-widget elementor-widget-text-editor\" data-id=\"5555f4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Generally, your building Takaful would cover this situation. Please read through your Statement of cover to see if you purchased this cover.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Takaful seems exactly the same as conventional insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Many people apply for a low-interest personal loan to consolidate high-interest credit card debt.\"}},{\"@type\":\"Question\",\"name\":\"Is all insurance Haram and prohibited in Islam because Risk Protection (insurance) is against Tawakkul (total dependence on upon Allah SWT)\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, because no human action changes the will of Allah (SWT) or our destiny. Whether a person participates in a Takaful Fund or not has no effect on future events. However, we are urged to take precautions \\u2026 just as we make provisions prior to starting our journey. In Hadith narrated by Anas bin Malik when an Arab Bedouin asked Prophet Muhammed (PBUH), \\u201cShall I leave my camel untied and seek Allah\\u2019s protection on it, or should I tie it?\\u201d The Holy Prophet replied, \\u201d Tie your camel and then depend upon Allah (swt).\\u201d [as quoted by Sunan at Tarmizi, 1981]\"}},{\"@type\":\"Question\",\"name\":\"My home is not safe to live in due to the damage. Will my agreement cover the cost for temporary living arrangement?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If your schedule has building cover and there is a direct physical loss that makes your home uninhabitable then your agreement will pay for your temporary accommodation. Keep your receipts for additional living expenses during this time.\"}},{\"@type\":\"Question\",\"name\":\"My home was damaged during a burglary. Is the damage covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally, your building Takaful would cover this situation. Please read through your Statement of cover to see if you purchased this cover.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FAQs Uncertain about anything, look through our FAQ section for answers.\u00a0\u00a0 Your questions, answered If you&#8217;re new or looking for answers to your questions, this guide will help you learn more about our services and their features. What is a Takaful Operator? A Takaful Operator is an organization which manages Takaful Fund and takes up [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-homepage.php","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"class_list":["post-9649","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/takaful.co.za\/dev\/wp-json\/wp\/v2\/pages\/9649","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/takaful.co.za\/dev\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/takaful.co.za\/dev\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/takaful.co.za\/dev\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/takaful.co.za\/dev\/wp-json\/wp\/v2\/comments?post=9649"}],"version-history":[{"count":8,"href":"https:\/\/takaful.co.za\/dev\/wp-json\/wp\/v2\/pages\/9649\/revisions"}],"predecessor-version":[{"id":9671,"href":"https:\/\/takaful.co.za\/dev\/wp-json\/wp\/v2\/pages\/9649\/revisions\/9671"}],"wp:attachment":[{"href":"https:\/\/takaful.co.za\/dev\/wp-json\/wp\/v2\/media?parent=9649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}