Takaful South Africa

Motor Cover That Works For You

Motor Takaful offers Shariah-compliant protection for your vehicle through the principles of mutual assistance and shared responsibility. It helps safeguard you against unexpected events, giving you confidence and peace of mind every time you take to the road.

Motor Cover That Works For You

Motor Takaful offers Shariah-compliant protection for your vehicle through the principles of mutual assistance and shared responsibility. It helps safeguard you against unexpected events, giving you confidence and peace of mind every time you take to the road.

Motor Cover That Works For You

Motor Takaful offers Shariah-compliant protection for your vehicle through the principles of mutual assistance and shared responsibility. It helps safeguard you against unexpected events, giving you confidence and peace of mind every time you take to the road.

Motor Cover That Works For You

Motor Takaful offers Shariah-compliant protection for your vehicle through the principles of mutual assistance and shared responsibility. It helps safeguard you against unexpected events, giving you confidence and peace of mind every time you take to the road.

Shariah Compliant Cover For Your Car

Whether you’re commuting to work, taking the children to school, travelling for business, or embarking on your next adventure, your vehicle is an essential part of your everyday life. When the unexpected happens, the financial impact of an accident, theft, hijacking, or damage can be significant.

Our Motor Takaful solutions provide access to Shariah-compliant protection designed to help safeguard you against life’s unexpected events. Through our carefully selected partners, we offer solutions that combine comprehensive protection with trusted advice, giving you confidence every time you get behind the wheel.

Depending on the solution you choose, Motor Takaful may provide protection for:

  • Accidental damage to your vehicle.
  • Theft or hijacking.
  • Fire, storm, flood, hail, and other natural events.
  • Malicious damage and vandalism.
  • Third-party liability.
  • Emergency roadside assistance.
  • Towing and recovery services.
  • Optional benefits such as car hire and windscreen protection.

Our advisers will help you understand the options available and recommend a solution that best suits your individual needs.

Choose The Takaful Protection That Fits Your Journey

Comprehensive
Complete protection for your vehicle and your liability to others — the broadest cover available.
  • Accidental damage to your vehicle
  • Theft and attempted theft
  • Fire and explosion
  • Third-party property damage
  • Third-party bodily injury liability
  • Towing and emergency assistance
3rd Party, Fire & Theft
Protection against fire, theft, and your liability to others — without cover for your own accidental damage.
  • Theft and attempted theft
  • Fire and explosion
  • Third-party property damage
  • Third-party bodily injury liability
3rd Party Only
Complete protection for your vehicle and your liability to others — the broadest cover available.
  • Third-party property damage
  • Third-party bodily injury liability
  • Legal defence costs

Protecting More Than Just Your Vehicle

Your vehicle keeps your life moving. It gets you to work, helps you support your family, allows you to travel, and creates memories with those who matter most.

The right protection helps minimise financial disruption when the unexpected happens, allowing you to get back on the road with confidence.

Independent Shariah supervision

Scholars certify every product and investment decision. Compliance is continuous, not a once-off endorsement.

Open to all South Africans

You don't need to be Muslim to benefit from an ethical, community-first model. Takaful is for everyone.

Responsive claims support

A dedicated team committed to fast, transparent resolution — because your cover needs to work when it matters most.

Motor, answered

Is Motor Takaful Halal?
Yes. Motor Takaful is structured to eliminate riba (interest), gharar (excessive uncertainty), and maysir (speculative gain) — the three elements that make conventional insurance impermissible under Shariah. Takaful South Africa’s products operate under the ongoing oversight of an independent Shariah supervisory board.

In conventional insurance, the insurer owns your premium and profits if no claim is made. In Motor Takaful, your contribution enters a shared community fund. Takaful South Africa manages this fund for a transparent fee but does not own it. Any year-end surplus is returned to participants — not retained as profit. Risk is shared across the community, not transferred to a shareholder-owned company.

Absolutely. Motor Takaful is open to all South Africans regardless of faith. Many non-Muslim consumers choose Takaful for its ethical, transparent, community-based structure — a model that prioritises member benefit over shareholder returns.

Yes. Third-party liability cover is included in both Comprehensive and Third-Party Fire & Theft options, protecting you against legal claims for property damage or bodily injury caused to others. Third-Party Only cover focuses exclusively on this liability protection.
 
Motor Takaful covers private passenger vehicles, bakkies, and light commercial vehicles used for personal purposes — whether financed through a bank or owned outright. Speak to an adviser to confirm cover for your specific vehicle type.
 
Claims are handled by Takaful South Africa’s dedicated claims team. Once a valid claim is submitted with supporting documentation, the community fund pays out the agreed amount. Our team is committed to fast, transparent resolution — so you get back on the road without unnecessary delay.
 

Protect What Matters Most

Get a personalised Takaful quote and discover Shariah-compliant cover designed to safeguard your family, business, or assets.