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No. Description Insurans Islam TAIB General Takaful Sdn Bhd MBA Insurance Company Sdn Bhd National Insurance Company Bhd Standard Insurance Sdn. Bhd. Takaful Brunei Am Sdn Bhd Tokio Marine Insurance Singapore Ltd
Motor Third Party Policy
1 What is Third Party cover?
Provide cover to policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
Provide cover to policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
Provide cover to policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
Provide cover to policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
Provide cover to policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
Provide cover to policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
2 Is theft of vehicle cover? No No No. No No. No.
3 Is there any excess applicable for third party claim on bodily injury or property damage?
Yes, excess is applicable to third party property damage claim only. No excess applicable for bodily injury claim. Excess amount - refer to takaful certificate.
Yes, excess is applicable to third party property damage claim only. No excess applicable for bodily injury claim. Excess amount - B$750.00
Yes, excess is applicable to third party property damage claim only. No excess applicable for bodily injury claim. Excess amount - B$750.00
Yes, excess is applicable to third party property damage claim only. No excess applicable for bodily injury claim. Excess amount - B$750.00
Yes, excess is applicable to third party property damage claim only. No excess applicable for bodily injury claim. Excess amount - policy holder B$500.00, authorised driver B$700.00
Yes, excess is applicable to third party property damage claim only, unless additional coverage of Excess Buy Back purchased. No excess applicable for bodily injury claim. Excess amount - B$750.00
4 What are the main policy exclusion?
Motor Comprehensive Policy
1 What is comprehensive cover?
2 Is theft of vehicle cover? When will payment be made?
Yes. Claim settlement will be made after 180 days from date of report or after police investigation is completed, whichever is earlier.
Yes. Claim settlement will be made after 180 days from date of report or after police investigation is completed, whichever is earlier.
Yes. Claim settlement will be made after 180 days from date of report or after police investigation is completed, whichever is earlier.
Yes. Claim settlement will be made after 180 days from date of report or after police investigation is completed, whichever is earlier.
Yes. Claim settlement will be made after 180 days from date of report or after police investigation is completed, whichever is earlier.
Yes. Claim settlement will be made after 180 days from date of report or after police investigation is completed, whichever is earlier.
3 Is damage due to fire cover? Yes. Yes Yes Yes. Yes. Yes.
4 Is damage due to malicious act cover? Yes, malicious act by third party only. Yes, malicious act by third party only. Yes, malicious act by third party only. Yes, malicious act by third party only. Yes, malicious act by third party only. Yes, malicious act by third party only.
5 Does the policy cover flood or natural disaster? No. But subject to underwriting consideration, can be extended with additional Contribution.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional Contribution.
No. But subject to underwriting consideration, can be extended with additional premium.
6 Does the policy cover while the vehilce is on transit i.e. Inland and Sea route?
Yes, whilst inland transit (including loading and unloading) within territorial limit. But No for sea route.
Yes, whilst inland transit (including loading and unloading) within territorial limit. But No for sea route.
Yes, whilst inland transit (including loading and unloading) within territorial limit. But No for sea route.
Yes, whilst inland transit (including loading and unloading) within territorial limit. But No for sea route.
Yes, whilst inland transit (including loading and unloading) within territorial limit. But No for sea route.
Yes, whilst inland transit (including loading and unloading) within territorial limit. But No for sea route.
7 Does the policy cover Strike, Riot and Civil Commotion?
No. But subject to underwriting consideration, can be extended with additional Contribution.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional Contribution. Yes.
8 Does the policy cover Legal liability to Passenger?
No. But subject to underwriting consideration, can be extended with additional Contribution.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional Contribution.
No. But subject to underwriting consideration, can be extended with additional premium.
9 Does the policy provide Personal Accident cover? How much? Yes. Limit up to $5,000 for policy holder only. No. But subject to underwriting consideration, can be extended
with additional premium.No. But subject to underwriting consideration, can be extended with additional premium.
No. But subject to underwriting consideration, can be extended with additional premium.
Yes. Limit up to $10,000 for policy holder only (age between 18 to 65 years old).
No. But subject to underwriting consideration, can be extended with additional premium, $10 for every $10,000.00 coverage.
10 Is windscreen automatically cover? Is there any excess for windscreen claim?
Not automatically covered. However damaged due to road accident will be covered. Windscreen cover can be extended with additional Contribution at 10% of windscreen sum insured. Excess for windscreen claim is $50.00
Not automatically covered. However damaged due to road accident will be covered. Windscreen cover can be extended with additional premium at 10% of windscreen sum insured. No excess applicable.
Not automatically covered. However damaged due to road accident will be covered. Windscreen cover can be extended with additional premium at 10% of windscreen sum insured. No excess applicable.
Not automatically covered. However damaged due to road accident will be covered. Windscreen cover can be extended with additional premium at 10% of windscreen sum insured. No excess applicable.
Not automatically covered. However damaged due to road accident will be covered. Windscreen cover can be extended with additional Contribution at 10% of windscreen sum insured. No excess applicable.
Yes and excess applicable. No excess if additional cover purchased
11 What is Excess? When does it applicable? What are the type of Excess?
Excess is the amount that must be borne by the policy holder or authorised driver in the event of a claim. Type of excess are vehicle excess, named driver excess, unnamed driver excess, territorial limit excess, fire and theft excess, Young and inexperiance driver excess, foreign license excess, windscreen excess, submerged in river excess and third party property damage excess.
Excess is the amount that must be borne by the policy holder or authorised driver in the event of a claim. Type of excess are vehicle excess, named driver excess, unnamed driver excess, geographical area excess, underage driver excess and third party propery damage excess.
Excess is the amount that must be borne by the policy holder or authorised driver in the event of a claim. Type of excess are vehicle excess, named driver excess, unnamed driver excess, geographical area excess, underage driver excess and third party propery damage excess. Vehicle excess can be waived with vehicle excess protection extension upon additional premium.
Excess is the amount that must be borne by the policy holder or authorised driver in the event of a claim. Type of excess are vehicle excess, named driver excess, unnamed driver excess, geographical area excess, underage driver excess and third party propery damage excess.
Excess is the amount that must be borne by the policy holder or authorised driver in the event of a claim. Type of excess are vehicle excess, named driver excess, unnamed driver excess, territorial limit excess, fire and theft excess, Young and inexperiance driver excess and third party property damage excess.
Excess is the amount that must be borne by the policy holder or authorised driver in the event of a claim. Type of excess are vehicle excess, named driver excess, unnamed driver excess, geographical area excess, underage driver excess and third party propery damage excess.
12 Does the policy cover accident outside Brunei? What is the territorial limit?
Yes, if accident occurred within the territorial limit. The territorial limit are Brunei Darussalam, Sabah and Sarawak.
Yes, if accident occurred within the territorial limit. The territorial limit are Brunei Darussalam, Sabah, Sarawak and Wilayah Persekutuan Labuan.
Yes, if accident occurred within the territorial limit. The territorial limit are Brunei Darussalam, Sabah, Sarawak and Wilayah Persekutuan Labuan.
Yes, if accident occurred within the territorial limit. The territorial limit are Brunei Darussalam, Sabah, Sarawak and Wilayah Persekutuan Labuan.
Yes, if accident occurred within the territorial limit. The territorial limit are Brunei Darussalam, Sabah, Sarawak and Wilayah Persekutuan Labuan. Extension to Kalimantan, Indonesia is subject to approval and additional Contribution.
Yes, if accident occurred within the territorial limit. The territorial limit are Brunei Darussalam, Sabah, Sarawak and Wilayah Persekutuan Labuan.
13Is there additional excess if accident occurred outside Brunei and repair at place of accident? How much?
Yes, additional excess is B$1,000.00 on top of the normal excess. Yes, Additional Excess is B$1,000.00. Minimum B$1,000.00 or 10% of sum Insured whichever is higher .
Yes, additional excess of B$1,000.00. When the vehicle was used outside Brunei for more than 45 days consecutively - 10% of sum insured minimum B$2,000.00.
Yes, additional excess is B$1,000.00 on top of the normal excess. Yes, additional excess is B$1,000.00 on top of the normal excess. Yes, additional excess is B$1,000.00 on top of the normal excess.
14What is No Claim Discount (NCD)/No Claim Bonus (NCB)? Will NCD/NCB affected in the event of a claim?
NCB is a discount earned for not having a claim during the policy period. In the event of a claim, the NCB will drop to zero (0%) on renewal.
NCD is a discount earned for not having a claim during the policy period. In the event of a claim, the NCD will drop to zero (0%) on renewal.
NCD is a discount earned for not having a claim during the policy period. In the event of a claim, the NCD will revert to zero (0%) on renewal except policyholder who are not at fault during the accident. Extension to include NCD protection upon additional premium will reduce the NCD by two levels only if at fault.
NCD is a discount earned for not having a claim during the policy period. In the event of a claim, the NCD will drop to zero (0%) on renewal.
NCB is a discount earned for not having a claim during the policy period. In the event of a claim, the NCB will drop to zero (0%) on renewal unless NCB Protection is purchased.
NCD is a discount earned for not having a claim during the policy period. In the event of a claim, the NCD will drop to zero (0%) on renewal unless NCD cover is purchased.
15 What is the grace period to report a motor accident claim?
Lodged to the police within 24 hours and lodged to our Claim Department within fourteen (14) days.
Lodged to the police within 24 hours and lodged to our Claim Department within seven (7) working days.
Lodged to the police within 24 hours and lodged to our Claim Department within seven (7) working days.
Lodged to the police within 24 hours and lodged to our Claim Department within seven (7) working days.
Lodged to the police within 24 hours and lodged to our Claim Department within seven (7) working days.
Lodged to the police within 24 hours and lodged to our Claim Department within seven (7) working days.
16 How is the claim settlement made if the vehicle is under insured and over insured?
For under insured vehicle, Average Clause will applied (policy holder shall bear the difference between Sum Insured and Market Value). For over insured vehicle, claim settlement will be based on market value at the time of accident.
For under insured vehicle, Average Clause will applied (policy holder shall bear the difference between Sum Insured and Market Value). For over insured vehicle, claim settlement will be based on market value at the time of accident.
For under insured vehicle, Average Clause will applied (policy holder shall bear the difference between Sum Insured and Market Value). For over insured vehicle, claim settlement will be based on market value at the time of accident.
For under insured vehicle, Average Clause will applied (policy holder shall bear the difference between Sum Insured and Market Value). For over insured vehicle, claim settlement will be based on market value at the time of accident.
For under insured vehicle, Average Clause will applied (policy holder shall bear the difference between Sum Insured and Market Value). For over insured vehicle, claim settlement will be based on market value at the time of accident.
For under insured vehicle, written off. For over insured vehicle, claim settlement will be based on market value at the time of accident.
17 What are the main policy exclusion?
The main exclusion in addition to the Third Party policy exclusion and beside the general exclusion are: 1. Wear, tear and depreciation. 2. Loss of Value, Loss of Use. 3. Mechanical, electrical, computer failures or breakdown or breakages. 4. Loss or damage to accessories which are not standard and original accessories. 5. Damage to tyres or punctures unless is/are damaged in an accident. 6. Loss or damage if covered vehicle is left unlocked or the keys are left in the vehicle and easily be stolen. 7. Loss or damage arising from being filled with wrong fuel. 8. Any other conseqential loss. 9. Any loss or damage caused by or attributed to the act of criminal breach of trust by any person.
The main exclusion in addition to the Third Party policy exclusion and beside the general exceptions, are 1. Loss of use or any consequential loss resulting from the loss of or damage to the Motor Vehicle and its accessories and spare parts.2. Depreciation, wear and tear, mechanical or electrical breakdown failures or breakages.3. Damage to tyres, unless the Motor Vehicle is also damaged at the same time.4. Loss of value of the Motor Vehicle after repairs,5. Loss of or damage to the Motor Vehicle resulting from the confiscation, forfeitures, impoundment, or otherwise of the Motor Vehicle resulting from any unlawful act or omission of any person, 6. The cost of making good any damage and/or the cost of replacement of any parts of the Motor Vehicle which, in the Company's sole opinion, are either not damaged or are not directly damaged as a result of the accident.7. Any loss or damage caused by or attributed to the act of cheating by any person,8. Any loss or damage caused by or attributed to the act of criminal breach of trust.
The main exclusion in addition to the Third Party policy exclusion and beside the general exceptions, are 1. Loss of use or any consequential loss resulting from the loss of or damage to the Motor Vehicle and its accessories and spare parts.2. Depreciation, wear and tear, mechanical or electrical breakdown failures or breakages.3. Damage to tyres, unless the Motor Vehicle is also damaged at the same time.4. Loss of value of the Motor Vehicle after repairs,5. Loss of or damage to the Motor Vehicle resulting from the confiscation, forfeitures, impoundment, or otherwise of the Motor Vehicle resulting from any unlawful act or omission of any person, 6. The cost of making good any damage and/or the cost of replacement of any parts of the Motor Vehicle which, in the Company's sole opinion, are either not damaged or are not directly damaged as a result of the accident.7. Any loss or damage caused by or attributed to the act of cheating by any person,8. Any loss or damage caused by or attributed to the act of criminal breach of trust.
The main exclusion in addition to the Third Party policy exclusion and beside the general exceptions, are 1. Loss of use or any consequential loss resulting from the loss of or damage to the Motor Vehicle and its accessories and spare parts.2. Depreciation, wear and tear, mechanical or electrical breakdown failures or breakages.3. Damage to tyres, unless the Motor Vehicle is also damaged at the same time.4. Loss of value of the Motor Vehicle after repairs,5. Loss of or damage to the Motor Vehicle resulting from the confiscation, forfeitures, impoundment, or otherwise of the Motor Vehicle resulting from any unlawful act or omission of any person, 6. The cost of making good any damage and/or the cost of replacement of any parts of the Motor Vehicle which, in the Company's sole opinion, are either not damaged or are not directly damaged as a result of the accident.7. Any loss or damage caused by or attributed to the act of cheating by any person,8. Any loss or damage caused by or attributed to the act of criminal breach of trust.
The main exclusion in addition to the Third Party policy exclusion and beside the general exclusion are: 1. Wear, tear and depreciation. 2. Loss of Value, Loss of Use. 3. Mechanical, electrical, computer failures or breakdown or breakages. 4. Loss or damage to accessories which are not standard and original accessories. 5. Damage to tyres or punctures unless is/are damaged in an accident. 6. Loss or damage if covered vehicle is left unlocked or the keys are left in the vehicle and easily be stolen. 7.Loss or damage arising from being filled with wrong fuel. 8. Any other conseqential loss. 9. Any loss or damage caused by or attributed to the act of criminal breach of trust by any person.
The main exclusion in addition to the Third Party policy exclusion and beside the general exceptions, are 1. Loss of use or any consequential loss resulting from the loss of or damage to the Motor Vehicle and its accessories and spare parts.2. Depreciation, wear and tear, mechanical or electrical breakdown failures or breakages.3. Damage to tyres, unless the Motor Vehicle is also damaged at the same time.4. Loss of value of the Motor Vehicle after repairs,5. Loss of or damage to the Motor Vehicle resulting from the confiscation, forfeitures, impoundment, or otherwise of the Motor Vehicle resulting from any unlawful act or omission of any person, 6. The cost of making good any damage and/or the cost of replacement of any parts of the Motor Vehicle which, in the Company's sole opinion, are either not damaged or are not directly damaged as a result of the accident.7. Any loss or damage caused by or attributed to the act of cheating by any person,8. Any loss or damage caused by or attributed to the act of criminal breach of trust.
1) Provide coverage on loss or damage to covered vehicle; and 2) Indemnify policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
1) Provide coverage on loss or damage to covered vehicle; and 2) Indemnify policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
1) Provide coverage on loss or damage to covered vehicle; and 2) Indemnify policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
1) Provide coverage on loss or damage to covered vehicle; and 2) Indemnify policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
1) Provide coverage on loss or damage to covered vehicle; and 2) Indemnify policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
1) Provide coverage on loss or damage to covered vehicle; and 2) Indemnify policy holder or authorised driver for their legal liability (including any legal cost and expenses) for death or bodily injury or property damaged to a Third Party resulting from motor road accident.
The main exclusions beside the general exceptions are: 1. Driving under the influence of alcohol or drugs. 2. Any unlawful acts or activities prohibited by Shariah. 3. Driven by unauthorsied driver. 4. Does not hold valid license or license disqualified by court order. 5. Accident outside permitted territorial limits. 6. Any consequence of war, invasion or rebellion, Nuclear related material or processes. 7. Liability to any passenger being carried for hire and reward. 8. Liability to any person arising out of and in the course of employment. 9. Liability to any of your family members or immediate family or household who is passenger(s) in your motor vehicle. 10. Loss or damage to property held in trust or in your control and custody. 11. Any Contractual liability. 12. Fines, penalties, punitive or examplary damages.
The main exclusions beside the general exceptions are:1. Liability to any person in the employment of the insured arising out of and in the course of such employment.2.Liability to any person (other than a passenger being carried by reason of, or in pursuance of a contract of employment) being carried in or upon the Motor Vehicle at the time of the occurrence of the event out of which any claims arises,3. Damage to the property of the Insured or Authorised Driver, property held in trust or in the custody or control of the Insured or the Authorised Driver, property of any of the Insured's household,4. Driving under the influence of alcohol or drugs. 5. Any unlawful acts or activities prohibited by Law. 6. Driven by unauthorsied driver. 7. Does not hold valid driving license or license disqualified by Court order. 8. Accident outside permitted territorial limits. 9. Any consequence of war, invasion or rebellion, Nuclear related material or processes. 10. Any Contractual liability. 11. Fines, penalties, punitive or examplary damages.
The main exclusions beside the general exceptions are:1. Liability to any person in the employment of the insured arising out of and in the course of such employment.2.Liability to any person (other than a passenger being carried by reason of, or in pursuance of a contract of employment) being carried in or upon the Motor Vehicle at the time of the occurrence of the event out of which any claims arises,3.Damage to the property of the Insured or Authorised Driver, property held in trust or in the custody or control of the Insured or the Authorised Driver, property of any of the Insured's household,4. Driving under the influence of alcohol or drugs. 5. Any unlawful acts or activities prohibited by Law. 6. Driven by unauthorsied driver. 7. Does not hold valid driving license or license disqualified by Court order. 8. Accident outside permitted territorial limits. 9. Any consequence of war, invasion or rebellion, Nuclear related material or processes. 10. Any Contractual liability. 11. Fines, penalties, punitive or examplary damages.
The main exclusions beside the general exceptions are:1. Liability to any person in the employment of the insured arising out of and in the course of such employment.2. Liability to any person (other than a passenger being carried by reason of, or in pursuance of a contract of employment) being carried in or upon the Motor Vehicle at the time of the occurrence of the event out of which any claims arises,3. Damage to the property of the Insured or Authorised Driver, property held in trust or in the custody or control of the Insured or the Authorised Driver, property of any of the Insured's household,4. Driving under the influence of alcohol or drugs. 5. Any unlawful acts or activities prohibited by Law. 6. Driven by unauthorsied driver. 7. Does not hold valid driving license or license disqualified by Court order. 8. Accident outside permitted territorial limits. 9. Any consequence of war, invasion or rebellion, Nuclear related material or processes. 10. Any Contractual liability. 11. Fines, penalties, punitive or examplary damages.
The main exclusions beside the general exclusions are: 1. Driving under the influence of alcohol or drugs. 2. Any unlawful acts or activities prohibited by Shariah. 3. Driven by unauthorsied driver. 4. Does not hold valid driving license or license disqualified by Court order. 5. Accident outside permitted territorial limits. 6. Any consequence of war, invasion or rebellion, Nuclear related material or processes. 7. Liability to any passenger being carried for hire and reward. 8. Liability to any person arising out of and in the course of employment. 9. Liability to any of your family members or immediate family or household who is passenger(s) in your motor vehicle. 10. Loss or damage to property held in trust or in your control and custody. 11. Any Contractual liability. 12. Fines, penalties, punitive or examplary damages.
The main exclusions beside the general exceptions are:1. Liability to any person in the employment of the insured arising out of and in the course of such employment.2. Liability to any person (other than a passenger being carried by reason of, or in pursuance of a contract of employment) being carried in or upon the Motor Vehicle at the time of the occurrence of the event out of which any claims arises,3. Damage to the property of the Insured or Authorised Driver, property held in trust or in the custody or control of the Insured or the Authorised Driver, property of any of the Insured's household,4. Driving under the influence of alcohol or drugs. 5. Any unlawful acts or activities prohibited by Law. 6. Driven by unauthorsied driver. 7. Does not hold valid driving license or license disqualified by Court order. 8. Accident outside permitted territorial limits. 9. Any consequence of war, invasion or rebellion, Nuclear related material or processes. 10. Any Contractual liability. 11. Fines, penalties, punitive or examplary damages.
SUMMARY OF MOTOR INSURANCE/TAKAFUL COVERAGE BY COMPANY Note: Please read your Motor Policy Wording and refer to your Motor insurer or Motor Takaful provider for more details on the coverage, terms, conditions and exclusions.
BRUNEI INSURANCE AND TAKAFUL ASSOCIATION (BITA)