knowin your general - ambd€¦ · 4 getting to know your takaful plan why do i need takaful?...

1

KNOWING YOUR

GENERAL TAKAFUL

A financial education programme by

2

Contents

Getting to know your Takaful plan 4

Getting to know your Takaful

concepts 7

The basics of Motor Takaful 13

The basics of Fire Takaful 28

The basics of Workmenrsquos

Compensation Takaful 33

The basics of Travel Takaful 42

Other types of general Takaful 50

This booklet is intended to provide readers with basic understanding of general concepts in Takaful It is advised that you check with your Takaful operator on the terms and conditions of your Takaful plan

3

PARTICIPATING IN TAKAFUL In Brunei Darussalam Takaful is provided by Takaful operators

registered by Autoriti Monetari Brunei Darussalam (AMBD)

You can obtain Takaful from the following ways

1 Directly from the Takaful operator

2 From Takaful agents that have been authorized to represent

Takaful operators

3 From banks that have a bancaTakaful agreement with Takaful

operator(s)

4 From brokers that have been registered with AMBD

Refer to AMBDrsquos website (wwwambdgovbn) for the list of

registered Takaful operators

For general Takaful if you participate in more than one plan to protect

a particular risk you can only make one claim in the event of loss or

damage The amount payable will be paid by the Takaful operators

involved This means you cannot profit from your Takaful plan If you

suffer a loss you will be provided a financial assistance accordingly and

no more than that You will be paid or lsquoprotectedrsquo to the position you

were in before the loss

However if you wish to cover your life you can participate in more than

one plan Family Takaful provides you with both protection and long-

term savings for your peace of mind You or your beneficiary will be

provided with financial benefits if you suffer a tragedy and at the same

time you will enjoy an investment return because part of your

contribution will be deposited in an account for the purpose of savings

4

Getting to Know Your Takaful Plan

WHY DO I NEED TAKAFUL

Takaful provides you protection

for when things go wrong such

as car accidents lost luggage

while travelling abroad serious

illness or robbery

In life there is always a risk that

things can go wrong If they do

you will need money to meet

your costs and avoid chaos in

your finances

Takaful is about managing these

risks By taking out the Takaful

plan you are sharing the risk

with your fellow participants for

a Takaful contribution

Without Takaful youre taking

the risk of meeting those costs

yourself

If you own a car have

travelled outside the

country or have taken a

loan it is very likely that you

have Takaful plan

It is very important for you

to take the time to read the

fine print ask questions

and find the plan that fits

your needs

This booklet will help you

find out more about the

common Takaful plans

available in Brunei

Darussalam

Always remember to make

sure you understand your

Takaful plan BEFORE you

sign

I have Takaful

coverage at work

I donrsquot think I need general Takaful

coverage

I wonrsquot die in an accident

It wonrsquot happen to me

I wonrsquot get cancer

5

TYPES OF TAKAFUL There are two types of Takaful

1 General Takaful

Covers property such as your car house business employees

money etc

2 Family Takaful

Covers you your loved ones employees colleagues etc

TIPS WHEN PARTICIPATING IN TAKAFUL

Shop around - Get quotes from different Takaful operators and

compare what they offer Dont be afraid to ask lots of questions

Choose carefully - List the things you need (ie what you want

covered) to help you in picking the right plan

Renew your Takaful - Do this when your old Takaful plan expires or

as your circumstances change

Work out how much you need - Do this when you start or renew

your Takaful plan so that you dont find yourself significantly under

insured

Check exclusions - Always ask what is and isnt covered by your

Takaful plan

Check the costs - you will contribute or pay a fixed price known as

Takaful contribution for your cover and when you make a claim your

payout may be reduced by an amount known as the excess Dont

sign on the dotted line until you know all the costs

Be honest with your Takaful operator - Provide complete and true

details because your duty of disclosure means you must tell the

truth when you fill in the proposal form If you leave details out any

future claim may be denied

6

UNDERSTANDING BASIC TAKAFUL TERMS

Takaful Definition

Certificate The contract between the participant (person participating) and the Takaful operator

Participant The person who has participated in the Takaful plan

Contribution The amount of money you pay for your Takaful plan

Sum covered

The maximum amount of coverage that you can receive from your Takaful operator if there is a claim This amount usually reflects the market value of the property you wish to cover

Exclusion The circumstances where your certificate does not apply or cover

Extension The coverage that you can add-on to your certificate to suit your needs This is provided at an additional contribution

Excess The portion of a claim that a participant is required to pay in the event of a claim and anything above the excess will be paid by the Takaful operator Eg if the excess in a plan is BND 1000 and the claim costs BND 3000 then the participant will pay the first BND 1000 and the remaining BND 2000 will be paid by the Takaful operator

7

Getting to know your Takaful concepts

What is Takaful

Takaful provides protection based on

Syariah principles This means that

Takaful is free from Ribarsquo (interest or

usury) Gharar (unknown or uncertain

factors) and Maysir (gambling)

How does Takaful work

Takaful works on the basis of mutual

help (Tarsquoawun) When you enter into

a contract (Aqad) with a Takaful

operator you become a participant of

a fund (Tabarrursquo) and agree to help

other participants when they face a

loss and make a claim

Takaful has been in

existence in Brunei

Darussalam since 1993

and has been widely

adopted by both Muslims

and non-Muslims ever

since However some

Takaful concepts may still

be unfamiliar including

the difference between

Takaful and conventional

insurance

This section intends to

provide a brief

understanding of Takaful

8

What are the main Takaful concepts

bullRefers to the concept of mutual protection and sharedresponsibility

1) Takaful

bullArabic term for donation or gift

bullWhen you agree to participate in a Takaful planschemeyou also agree that part of your contributions will bedonated to help other participants when they face afinancial loss

2) Tabarru

bullRefers to a profit sharing partnership between you as aparticipant (Sahib al Mal) and the Takaful operator(Mudharib)

bullThis means that when the Takaful operator investsportions of your contribution then the profit gained fromthe investments will be shared between you and theTakaful operator at a pre-agreed ratio

3) Mudharabah

bullArabic term for agency

bullThis is when the Takaful operator agrees to become anagent who manages the Takaful funds and receives awakalah fee from the participants

4) Wakalah

9

What are the types of Takaful models used in Brunei Darussalam

The operation of a Takaful operator can be based on several models

depending on the class of business These include

bull The Takaful operator acts as theMudarib who invests part of theparticipants contributions andshares the profit of theinvestments at a pre-agreed ratio

(1) Mudharabah Model

bull The Takaful operator acts as anagent (wakil) of the participant tomanage the Takaful fund

(2) Wakalah Model

bull The Takaful operator applies theMudharabah on the investmentactivity only and charges theWakalah fee for managing theprotection activities

(3) Mudharabah amp Wakalah Model

(Hybrid)

10

MUDHARABAH MODEL

Note

[1] Fund Related Expenses

Death injury liability and property damage claims

Technical Reserves (as required by regulations)

ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit

Participants Takaful Operator

Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds

In Brunei Darussalam who ensures that the Takaful plan offered is

Syariah compliance

Under the Takaful Order 2008 Takaful operators are required to

establish a Syariah Advisory Board to advise them on Syariah matters

including approving or endorsing Takaful plans to be launched by the

Takaful operator

Once the Syariah Advisory Board approves their Takaful plan it must be

submitted to the Syariah Financial Supervisory Board for approval The

Syariah Financial Supervisory Board acts as the national Syariah board

and gives the final approval for an Islamic financial product to be

introduced in Brunei Darussalam

Participants

Contribution

Syariah

Compliance

Investment

Fund related

expenses [1] Surplus

Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12

Comparison between Takaful amp Insurance TAKAFUL INSURANCE

Contract A combination of donation

and agency or profit sharing

contract

An exchange contract (sale

and purchase) between

insurance company and

policyholder

Guarantee Takaful operator is only the

fund manager The participant

mutually guarantees each

other

The insurance company

provides the guarantee

Fund The fund belongs to the

participant and managed by

the Takaful operator This

fund is separated from

shareholderrsquos fund

The fund belongs to the

insurance company but

separates assets of

insurance fund with


Indemnity Provided by the Takaful fund Provided by the insurance

company using the

insurance fund

Risks treatment Risk is shared among the

participants

Risk is transferred from

the policyholder to the

insurance company

Responsibility

of Participants

Policyholders

Participants make

contributions to the scheme

Participants mutually

guarantee each other under

the scheme

Policyholders pay

premium to the insurance

company

Liability of the

Takaful

Operator

Insurance

Company

Takaful operator acts as the

administrator of the Takaful

plan and pays the Takaful

benefits from the Takaful

funds

Insurance company is

liable to pay the insurance

benefits as promised from

its assets (insurance funds

and shareholderrsquos fund)

Investment

of Fund

Assets of the Takaful funds

are invested in Syariah

compliant instruments

There is no restriction

apart from those imposed

for prudential reasons

13

The Basics of Motor Takaful

What is motor Takaful and why do I need it

Motor Takaful provides cover for damage to your vehicle as a result of a

road traffic accident and covers death and injury to third party andor

damages to third party property if you are involved in an accident

Coverage depends on the type of Takaful plan you will participate in

Examples of risk that you may ask

If I crash into a luxury sports car will I be able to afford the repairs

What happens if I hit a lamp post road barrier

How will I get around if my car is stolen or written off

So by having the right motor Takaful it will help you with the costs

Why is motor Takaful compulsory in Brunei Darussalam

In Brunei Darussalam it is against the law for a motor vehicle to be on

the road without the appropriate insurance coverage according to

Motor Vehicles Insurance (Third Party Risks) Act Chapter 90

What are the types of motor vehicles that can be covered

All types of motor vehicles that are approved to be on the road This

includes motorcycles cars trucks taxis and buses

Can I participate in motor Takaful plan from Takaful operators outside

Brunei Darussalam

No Motor Takaful can only be participated from Takaful operators that

are registered with AMBD

14

What are the types of motor Takaful plan available in Brunei

Darussalam

There are 2 types of coverage

(1) Third Party Cover (2) Comprehensive Cover

Standard

Coverage

Note take

note of the

limit

provided

Covers against

a) third party bodily

injury and death

b) third party

property damage

Covers against

a) third party bodily injury

and death

b) third party property

damage

c) Loss damage to your

own vehicle due to fire

theft or accidental

collision or overturning

or whilst in transit

excluding any sea route

What is excluded under these plans

Exclusions are items or conditions that are not covered in the Takaful

contract for certain acts property types of damage or locations The

typical exclusions are

depreciation (wear and tear)

loss or damage of

accessories and spare parts

damage to tyres only

loss of value after repairs

electrical breakdown failures

or breakage

damage due to unlawful act

or omission of any person

cost of replacement on

parts not directly

damaged as a result of

accident and

loss or damage caused

by criminal breach of

trust and damage cause

by act of cheating

15

What additional coverage (extension) can I get for my motor Takaful

plan

Additional coverage for your motor Takaful plan can be purchased by

paying additional contribution These include

windscreen damages

flood storm

excess protector

passengersrsquo risks in your own vehicle

personal accident

How do I set the sum covered for my motor Takaful plan

For new vehicles the sum covered will be the purchase price (excluding

vehicle license Takaful contributions and registration fees) For other

vehicles the sum covered is the market value of the vehicle at the date

you apply for the Takaful plan

Market value means an amount equal to the current accepted price of

the car It takes into account the age make model kilometers travelled

and condition of your car

What information do I need to disclose to my Takaful operator

You must disclose relevant information that is true and accurate

Personal details

Vehicle blue card

Existing Takaful certificate insurance policy

Proof of No Claims Discount (NCD) earned

Details of previous claims if any and

Modification made to the motor vehicle if any

Providing false information or documents may void the Takaful

plan

16

Case study

Ahmad bought a new car and participated in a comprehensive Takaful

plan He decided to add a spoiler and lower the car a few inches to give

it a more distinctive look without the approval from Land Transport

Department However when the car was damaged his claim was

rejected because the car was not roadworthy and he had not informed

his Takaful operator of the changes

Is the contribution pricing for motor Takaful fixed in Brunei

Darussalam

Yes to some extent There is a motor tariff rate used by Brunei

Insurance and Takaful Association (BITA) members whereby members

cannot charge lower than the tariff

What is a ldquoNo Claims Discountrdquo (NCD)

NCD stands for No-Claim Discount Some operators use the term No

Claims Bonus (NCB) This is a discount offered by Takaful operators for

those car owners who have not made any claims within a year or more

The longer the car owners do not make any claims the better the

discount they may be eligible for

How are NCDs applied to my motor Takaful plan

Different NCD rates are applicable to different classes of motor Takaful

In general the NCD is applied as follows

17

Private Car (NCD) Commercial Car (NCD)

Policy Period Comprehensive Third

Party Comprehensive

Third

Party

1 year before 20 20 10 10

2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)

Case study How to calculate NCD

Driver A participates in a comprehensive plan for his one-year-old car and

his Takaful contribution amounts to BND 1000 If he did not make any

claims in the year before then he is entitled to a no-claims discount of

20

This means his discount is BND 1000 X 20 = BND 200

The contribution he has to pay is BND 1000 ndash BND 200 = BND 800

What is ldquoexcessrdquo

Excess is also known as ldquodeductiblerdquo It is the amount you have to pay

for each incident when you make a claim The types of excess applicable

are

1 Vehicle Excess

2 Driver Excess

a) Not named in certificate

b) Age of driver

c) Holder of provisional driving license or holder of full valid

driving license of less than 24 monthsrsquo duration

18

3 Geographical Area Excess

Case study How is excess applied

If the covered person has an excess of BND 500 and the total repair

costs BND 3000 then the covered person has to pay BND 500 while

the Takaful operator pays the remaining BND 2500

What is ldquoloadingrdquo

Loading is the additional contribution you have to pay on top of the basic

contribution This is to take into account of higher risk factors involved

such as age make and model of vehicle and claims experience

There are two different loadings -

(1) Model Loading

bullBased on the vehicle makeand model

bullThe basic tariff was meantfor ordinary vehicles

bullContinental vehicles such asMercedes Benz and BMWwill apply a different modelloading because of the highcost of repairs and spareparts

(2) Year Loading

bullBased on the vehiclersquos yearof manufacture

bullThe loading starts at year 6because of the new for oldprinciple

19

WHAT TO DO IN AN EVENT OF AN ACCIDENTLOSS

What should I do if my vehicle is involved

in an accident in Brunei Darussalam

Note Please do not claim any liabilities without your Takaful operatorrsquos acknowledgement

Details of Accident a) Names and addresses of all

drivers and passengers involved

b) Vehicle registration numbers c) Make and model of vehicle

involved d) Takaful details of the other

driver(s) e) The names and addresses of

as many witnesses as possible

Supporting Documents a) Copy of the vehicle blue card

(to show latest vehicle license)

b) Copy of the police report made by the driver of your vehicle

c) Identity card of the owner and driver of your vehicle

d) Driving license of the owner and driver of the vehicle

Take note of the

accident

bullDo not panic and do not move your car until the Police hasarrived

bullTake note of the details of the accident

Make a police report

bullYou are required under Section 33 of Road Traffic Act Chapter 68to make a police report within 24 hours of a road accident

Notify your

Takaful Operator

bullYou must notify your Takaful operator immediately

bullIf you failed to report the accident to your Takaful operatorthey may decline your claim for breach of policy condition

Approved workshop

bullTow your damaged vehicle to a workshop approved by yourTakaful operator

Submit your

claim

bullComplete a claim form and return it to your Takaful operatorwith the relevant supporting documents

20

What should I do if my vehicle is involved in an accident outside Brunei

Darussalam

Same as above except you may need to decide whether to tow your

vehicle back to Brunei Darussalam or to be repaired at the place of

accident

What should I do if my car is stolen in Brunei Darussalam

What should I do if my car is stolen outside Brunei Darussalam

Same as above

Notify the police

bullGive immediate notice to the police

Report to your

Takaful operator

bullReport to Takaful operator as soon as possible after theincident

bullComplete a claim form and provide the relevantsupporting documents

Cooperate

bullCooperate with the Takaful operator in recovering the vehicle and in securing the conviction of the offender

Supporting Documents a) Copy of the vehicle blue card (to

show latest vehicle license) b) Copy of the police report made

by the driver of your vehicle c) Identity card of the owner and

driver of your vehicle d) Driving license of the owner and

driver of the vehicle

21

MAKING A MOTOR CLAIM

If my car is damaged by a third party who is responsible for the repairs

to my car

You may either make an lsquoown damage claimrsquo or a lsquothird party claimrsquo

1 Own Damage Claim ndash This refer to making a claim on your own

Takaful provided you have a comprehensive plan However you will

lose your NCD entitlement upon renewal of the plan

2 Third Party Claim ndash You may make a third party claim if you are not

the party at fault in the accident and you can retain your NCD

entitlement

How do I make a claim for own damages (damages to my car)

Notify your Takaful operator



bullYou are required to make a police report within 24-hours of a road accident

Approved workshop

bullYou must send your damaged car to a workshop approved by your Takaful operator

Documentation

bull Complete a claim form provided by your Takaful operator and send it back to them with the relevant supporting documents

Supporting Documents a) Copy of the vehicle blue card (to show

latest vehicle license) b) Copy of the police report made by the

driver of your vehicle c) Identity card of the owner and driver

of your vehicle d) Driving license of the owner and driver

of the vehicle

22

Note DO NOT proceed to repair your vehicle without the consent from

your Takaful operator OR the loss adjuster

How do I make a third party claim (claim against the other driver)

Third party owner driver to report the accident

bullRequest the third party to report the accident to his Takaful operator immediately

Notify the third partys Takaful operator

bullNotify the Takaful operator of the third party car immediately and provide them with the relevant documents



Workshop repair

bullSend your car to a workshop of your choice or as advice by Takaful operator


show latest vehicle license) b) Copy of the police report made by

the driver of your vehicle c) Identity card of the owner and



23

How do I make a claim for theft

Note Claim payable will be provided after 6 months from the date of

theft with a police report confirmation




bullYou are required to make a police report of the loss immediately

Documentation

Complete a claim form provided by yourTakaful operator and send it back to themwith the relevant supporting documents


(to show latest vehicle license) b) Copy of the police report made


driver of your vehicle d) Driving license of the owner

and driver of the vehicle

24

What is a ldquowrite-offrdquo

ldquoWrite-offrdquo is a term used when a vehicle is beyond economic repairs

When a Takaful operator decides to ldquowrite-offrdquo it means that you will be

offered a settlement amount instead of having to repair your vehicle

Why is my car being written off

There are 2 types of ldquowrite-offrdquo

Can I choose which workshop repairs my car

Some Takaful operators do not have a restriction on workshop and you

are free to choose your choice of workshop You will need to check your

certificate as to whether your plan restricts your vehicle to be repaired

at an authorised workshop

If I make a claim what happens to my NCD

If a driver is involved in a self-accident or his vehicle caught on fire or he

loses his vehicle in a theft claim then he would lose all of his NCD

If however in a claim situation where the participant is not at fault and

the Takaful operator is about to recover some or all of the cost of repairs

the participant will get back all of his NCD

(1) Total write-off

bullThis is where there is nopossibility of repairs to thesaid vehicle

bullAn example would be thecrash has totally affected thestructure of the vehicle orthe vehicle was involved in afire

(2) Constructive total loss

bullThis is where the cost ofrepairs exceeds the suminsured of the vehicle

bullAn example would be wherethe cost of spare parts andlabour is say about BND10000 but the sum insuredis only BND 8000

25

GOOD TO KNOWhellip

If I sell my car what happens to my motor Takaful plan and the NCD

You can either transfer the motor Takaful plan to the new owner or

cancel the plan and get a refund if there is any You can get a letter of

NCD for your othernew car

Can I transfer my NCD to a different car

Yes you can as long as that other car is also under your name subject to

additional contribution to your previous car

If my car does not have a valid vehicle license is my motor Takaful plan

still valid

No If your car does not have a valid vehicle license at the time of an

accident your Takaful plan is not valid and the Takaful operator shall not

be liable for any claims arising from an accident

What happens if my car is involved in an accident when my vehicle

license and or motor Takaful plan is expired

1 Expired Vehicle license ndash Your Takaful operator shall not be liable

for any claims arising from an accident

2 Expired Takaful Plan ndash Your Takaful operator shall not be liable for

any claims arising from the accident

If I modify my car is my motor Takaful plan still valid

No unless approval has been obtained from Land Transport

Department Ministry of Communication and in turn approved by your

Takaful operator

26

Is it cheaper getting my motor Takaful plan from an agent

It is not always cheaper if you get from an agent An agent receives

commission from Takaful operators An agent may choose to give more

discounts to their customers from their commission hence appearing to

be cheaper

If I rent out my car for hire do I need to tell my Takaful operator

Yes If you plan to rent out your car for hire you must obtain the

appropriate motor Takaful plan ie carriage for hire If you do not and

your car is involved in a car accident or is stolen while it is being rented

your Takaful operator will not cover the loss

27

The Basics of Fire Takaful

What are the types of fire Takaful available in Brunei Darussalam

There are three main types of plans available

Basic Fire Houseowner Householder

Standard cover

Covers for building only

Covers the building only

Covers household contents and personal effects

Perils covered include

Fire lightning and explosion (explosion of gas used for domestic purposes)

Other perils can be added with additional contribution

Fire lightning thunderbolt subterranean fire and explosion

Aircraft damage

Impact damage

Bursting or overflowing of tanks apparatus or pipes

Theft with actual forcible and breaking into or out of a building or any attempt threat

Hurricane cyclone typhoon windstorm

Earthquake volcanic eruption

Flood



Aircraft damage

Impact damage





Flood

28

Depending on your needs you may wish to participate in a basic fire and

householder plan or house owner and householder plan to receive

comprehensive coverage

BASIC FIRE TAKAFUL PLAN

What are the types of property that can be covered

under this plan

Buildings used for residential or commercial

purposes stock-in-trade plant machinery

equipment furniture fixtures and fitting electrical

appliances office and household contents and

personal effect can be covered under this product

What is excluded under a basic fire Takaful plan

The typical exclusions for this type of plan include

Theft during or after the occurrence of a

fire

Burning whether accidental or

otherwise of forests bush lalang

prairie pampas or jungle and the

cleaning of lands by fire

War or riot

Landslip

Nuclear activity

Terrorism

Asbestos

Please refer to your Takaful operator for details of your exclusion

Some of the above exclusions can be purchased by extending the

perils

29

What additional coverage (extension) can I get for my basic fire Takaful

plan

Subject to underwriting consideration the following extensions can be

added with additional contribution

Loss of rental

Removal of debris

Architectsrsquo fees

Surveyor and consulting engineerrsquos fees

Refer to your Takaful operator for other extensions available

How much should I cover my property for

Fire is an indemnity product You should cover based on the actual

current value of the property at the time of cover

The sum covered should cover the cost of rebuilding your property If

your property is under financing you should make sure that your

financier has taken adequate coverage

HOUSEOWNER ANDOR HOUSEHOLD TAKAFUL PLAN

I already have a basic fire plan Do I still have to participate in the

houseowner andor householder plan

If you are already satisfied with the basic fire plan then you donrsquot

necessarily have to participate in the houseowner andor householder

plan

But if you decided on a houseowner and householder plan because it

has wider coverage that includes for loss or damages caused by storms

floods or burglary cover and you are currently having a fire plan you are

allowed to cancel your fire plan

30

If I owned a house which plan should I participate in

Houseowner and householder

If I rent a house which plan should I participate in

Householder

If I move from my rented house what would happen to my

householder Takaful plan

To continue your householder Takaful plan you must inform your

Takaful operator before moving so that they can advise you whether

they agree to continue cover in the new address location

If yes they will endorse the plan with the new address and advise

you the additional contribution payable if any

If no then you have to cancel the existing plan and participate a

new plan for the new address location

31

MAKING A FIRE CLAIM

How do I file a fire Takaful claim

Note Do NOT dispose of andor repair the damaged property of which

you intend to claim unless you have consent from your Takaful operator

or the loss adjuster

If I stay in a hotel during the investigation of fire Takaful claim will the

cost of staying be covered in my fire Takaful plan

No unless you have paid additional contributions to include such

coverage

Can I get my preferred contractor to carry out the repairs

Yes provided written consent is obtained from Takaful operator prior to

you choosing your preferred contractor

No

tify

th

e re

leva

nt

auth

ori

ties

Notify Fire and Rescue

department for fire and

perils Police department

for theft within 24-

hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim

Submit your claim with all

supporting documents to

your Takaful operator

Ass

essi

ng

you

rcl

aim

Cooperate fully with the

adjusters investigators appointed by your Takaful operator to assess your

claim

Supporting Documents a) A completed claim form b) Original copy of Takaful

certificate c) Copy of IC of participant d) Fire brigade report e) Police report if theft occurred

32

The Basics of Workmenrsquos Compensation Takaful

What is Workmenrsquos Compensation

The Workmenrsquos Compensation Act

(Chapter 74) provides for the payment of

compensation to workmen who have an

injury as a result of an accident arising out

of and in the course of their employment

Compensation is also payable to workman

who is disabled as a result of contacting

diseases arising out of and in the course

of employment

Who needs to have Workmenrsquos Compensation

According to the Workmenrsquos Compensation Act manual workers or

workers earning less than BND 750 monthly salary are required to have

workmenrsquos compensation This would include construction workers and

domestic helpers such as gardeners drivers and housemaids

Who is responsible for providing Workmenrsquos Compensation

All employers are required to provide workmenrsquos compensation for

their workers who fall within the category of workmen

Why is it important to have Workmen Compensation

Besides from being mandatory by law it is to provide protection to

both the employer and employee The employer is legally liable for the

employeersquos injury and illness related to the job and costs of medical

treatment can be covered by the Takaful operator

33

What kinds of injuries are covered

Any injury by accident arising out of and in the course of his employment

during working hours resulting in death or permanent disability

These would also include

where the workman is a passenger of a vehicle ship or aircraft

travelling to or from his place of work

where the workman is injured or dies occurring in Brunei

Darussalam

What injuries are not covered

Any injury NOT arising out of and in the course of his employment


Sickness (ie stroke heart attack cancer etc)

Any injuries resulting from personal activities (ie fell down in a

shopping mall during a shopping trip had a motor accident whilst

going to a private functionparty etc)

An injury arises from where the worker was under the influence of

alcohol or a drug

Any disability or death resulting from a deliberate self-injury or the

deliberate aggravation of an accidental injury and

Any disability or death resulting from personal injury which was not

disclosed to the employer

What are the exclusions under workmenrsquos compensation

Exclusions include

War

Mutiny strike riot civil commotion

Terrorism

Employees of sub-contractors

Any employee who is not a ldquoworkmanrdquo within the meaning of the Workmenrsquos Compensation Act

34

EMPLOYERrsquoS RESPONSIBILITIES

As an employer what will happen if I fail to participate workmenrsquos

compensation

If your employee is involved in an accident with no workmenrsquos coverage

you may be subject to a fine and penalty under the Workmenrsquos

Compensation Act

What is my responsibility in the event my employee suffers an injury

caused by a work-related accident

As an employer you are responsible to ensure the safety of your

employees and to carry out measures that prevent accidents or diseases

as required by law In the event of work-related accidents you are

responsible for

arranging medical assistance for the injured worker

reporting the accident to the Labour Department and

filing a claim with your Takaful operator

MAKING A WORKMENrsquoS COMPENSATION CLAIM

Who is responsible for filing a claim

Any claim for compensation under the Workmenrsquos Compensation Act

must be reported to the employer and also to the Labour Department

The employer must also report the accident to his Takaful operator if he

is making a claim under the Takaful plan

In general an accident which causes an injury or illness must be

reported to the employer within 7 days after it happened The employer

must then report the accident to the Labour Department within 10 days

after the accident

35

The following workflow shows the claims process Refer to your Takaful

operator for clarification

Note Depending on the employerrsquos Human Resource policy payment for medical treatment and other related expenses may be borne by the employee or employer first In this case an official receipt must be provided to the Takaful operator for reimbursement The compensation amount is based on Labour Departmentrsquos assessment

EMPLOYEEInform supervisor employer immediately about the injury

Seek medical treatment if necessary

EMPLOYER

Inform Labour Dept about employees injury Complete Form A (Notice of Accident to Commissioner) and provide

supporting documents

LABOUR DEPT

Assess injuries and issue claim letter to employer

EMPLOYERComplete the Takaful claim

form and provide supporting documents including Claim Letter from Labour Dept to

Takaful operator

TAKAFUL OPERATOR

Process claim payment and prepare cheque for employers

collection

EMPLOYER

Collect the cheque from Takaful operator and forward

the cheque to Labour Department

LABOUR DEPT

Labour Dept will invite employer and employee to

handover the payment

36

Who receives the claim payment

For medical expenses that have been paid first by the employer the

claim payment will go to the employer

For Total Permanent Disability claims the claim payment will go to

the employee

In the event of a death the claim payment will go to the employeersquos

dependent(s)

I AM AN EMPLOYEE (WORKMAN) WHAT DO I DO

As an employee what kind of benefits will I receive from the Takaful

plan

Subject to the Labour Departmentrsquos assessment

For Total Permanent Disability the amount of compensation shall

be a lump sum equal to 60 monthsrsquo earnings or BND 36000

whichever is lower subject to a minimum of BND 12000

In the event of death your dependent will receive compensation in

a lump sum amount equal to 48 monthsrsquo earnings or BND 28800


In addition depending on your Takaful plan other benefits may include

Temporary disability benefits if your injury does not allow you to

work for 3 days or more

Compensation for other forms of injuries and disablement

Reimbursement of medical expenses

What is the first step I should take if I am injured while at work

Notify your employer and seek medical assistance from a Brunei

registered medical practitioner

37

If the injury is work-related how do I file a claim

It is the responsibility of your employer to file a claim You are required

to report the injury to your employer within a stipulated timeframe

Your employer must file the necessary paperwork to process your claim

Refer to the ldquoMaking a Workmenrsquos Compensation Claimrdquo section above

What should I do if my claim is delayed

You should follow up with your employer and the Labour Department

You may also follow up with the Takaful operator on the status of your

claim

Who are allowed to be my dependents in the event of death

Dependents are family members who are wholly or partly dependent on

your income at the time of death This includes your spouse child

parents or grandparents

38

IF YOU REQUIRE MEDICAL

TREATMENT

Where do I go for medical treatment

You must refer to your employer for the

list of Brunei registered medical

practitioner or approved hospitals

Can my supervisor authorise medical treatment

Yes if your supervisor is approved to do so by your employer

Who is responsible for my medical treatment expenses

Depending on your employment contract payment for medical

treatment and other related expenses may be borne by you or your

employer Your employer will be responsible for claiming

reimbursement for your medical treatment

Who do I contact if I want to change doctors obtain a copy of my

medical report or talk about my medical care or about medical bills

Irsquove received (related to my workerrsquos compensation treatment)

You will need to check with your employer and the Takaful operator

39

GOOD TO KNOWhellip

Can I get 24-hour coverage for my foreign workers

Yes Some Takaful operators may offer 24-hour coverage through a

comprehensive workmenrsquos compensation package or endorse personal

accident to your basic workmenrsquos compensation Please check with your

Takaful operator if they offer this coverage

If my employee dies from a work-related injury who is responsible for

paying the funeral expenses If the employee is a foreigner who is

responsible for the repatriation expenses

You must refer to your Takaful plan to check whether it covers funeral

expenses and or repatriation expenses If it is covered then your

Takaful operator will be responsible for those expenses If it is not

covered then these expenses may be borne by the employer

Where do I report if I suspect fraudulent activity in a workmenrsquos

compensation claim

If you suspect that there is fraud you must report to the Labour

Department and your Takaful operator immediately You may be

advised to report the matter to the Police





the employee


dependent(s)

40

The Basics of Travel Takaful

What is travel Takaful

Travel Takaful is designed for an individual who is looking for travelling

protection to reduce the burden of cost and risk associated with

unexpected emergencies andor misadventures during overseas travel

It covers personal accidents medical and hospitalization expenses

incurred due to accidental injuries loss of personal money and travel

documents loss of baggage due to flight delays and other benefits

Do you really need a travel Takaful coverage Is it really worth it

Yes most people may think travel Takaful is an unnecessary expense

However if you are travelling overseas the cost of medical andor

emergency medical evacuation expenses is significantly high-priced

Even if someone can afford the cost of medical if a medical emergency

evacuation is required then the arrangement process would be

extremely difficult

You also may need adequate preparation and planning to ensure a

smooth journey without any problems or incidents

What are the common coverages by travel Takaful

Baggage (lossdamage)

Baggage delayed

Hospital cash benefits

Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation

Personal accidents Trip curtailment

Note

Different Takaful operators may have different coverage for travel

Takaful plan You may want to refer to the Takaful operators to find

out more

41

Understanding terms of travel Takaful coverage

Coverage terms Descriptions

Baggage

(lostdamage)

This benefit indemnifies for the loss or damage of

your baggage in the event of accidental and theft

Baggage

delayed

In the event that your baggage is delayed for more

than 12-hours from the time of arrival you may

claim up to the amount covered stated The

coverage however would end after your return

home

Hospital cash

benefits

These benefits would pay a daily allowance if the

participant being hospitalised for treatment goes

up to a certain number of days

Medical

expenses

This benefit provides reimbursement on your

medical treatment expenses surgery and

hospitalisation occurring during your stay

overseas

Personal

accidents

This benefit provides lump sum compensation for

death or permanent disablement due to accidental

event

Personal

liability

This benefit provides coverage to participant

against any legal liability due to accidental injury to

third party or property damage to third party

Personal

money

This benefit applies to loss of cash banknotes and

traveller cheques arising from armed robbery

burglary or theft from locked safe deposit boxes in

the hotel

Strikes and

hijacks

These benefits would pay an allowance for

travelling delays (Airport or Railways Station) in

excess of 12-hours due to organized industrial

strike or hijacking of the aircraft or train

42

Trip

cancellation

This benefit covers reimbursement of any un-

refundable payment of booked travel tickets and

accommodation that you have already made in an

event where the travel plan is cancelled due to

unavoidable circumstances such as serious illness

or death of the participant or his travel companion

or death of his immediate family members

Trip

curtailment


refundable payment of unused portion booked

travel tickets and accommodation that you have

already made in an event that you have to shorten

your travel plan due to unavoidable circumstances

such as serious illness or death of the participant

or his travel companion or death of his immediate

family members

What are the general exclusions

1 Pre-existing condition

2 Participation in any professional sports or in any games and sports

3 Underwater activities except leisure scuba diving under supervision

4 Accidents while engaged in racing motor rallies and competitions

mountaineering rock climbing and hikingtrekking in remote areas

pot-holding and any activity involving you being airborne

5 Accidents while in any conveyance other than as a fare paying

passenger

6 Resulting from pregnancy including childbirth caesarean operation

abortion miscarriage and all related complications except

miscarriage due to an accident

7 If you are travelling contrary to the advice of a Qualified Medical

Practitioner or for the purpose of obtaining medical treatment

8 Directly or indirectly occasioned by happening through or in

consequence of

43

9 Treatment of mental Illness psychiatric disorders wilfully self-

inflicted injury or illness alcoholism or the use of drugs AIDS or ARC

(AIDS Related Complex) self-exposure to needless peril (except in

an attempt to save human life)

10 While the person covered is engaged in naval military air force

service or operations or testing of any kind of conveyance offshore

or mining aerial photography or handling in explosives

11 Mysterious disappearances

12 Unexplained losses and

13 In any way caused or contributed to by an act of terrorism involving

the use or release or the threat thereof any nuclear weapon or

device or chemical or biological agent

It is important for you to check your certificate for the complete

list of exclusions

What are the available plans under travel Takaful

Per trip basis ndash contribution will be charged according to number of

travel days coverage is short-term basis which will end upon returning

to Brunei

Annual basis ndash this plan is targeted to frequent travellers It will cover

any trips within the 12 months of the certificate period as long as per

trips do not exceed 90 days and each trip must return to Brunei

Where can I get travel Takaful plan

You can go directly to any of the Takaful counter or authorized agents

44

Can I participate in travel Takaful for infant and elder people of more

than 60 years old

Yes it can cover infants from the age of 2 weeks and above and a

loading would be applied to elder people between age of 65 to 80 years

old

What should I do if I need medical attention during my travel and I

have travel Takaful certificate

Call emergency international medical assistance or SOS services if no

general practitioner is available or for a serious case which may require

hospitalization

Note

You should check with your Takaful operator authorised agents when

participating the travel Takaful if they had engaged with international

medical assistance

45

MAKING A TRAVEL CLAIM

How to make a claim

Common supporting documents includes

Copy of your identity card passport

Copy of Takaful certificate

Completed claim form Original payment receipts (if any)

Notify your takaful operator- maximum fourteen (14) working days from date of loss

Notify nearest Police Station for incidentinvolving accidental death injury claimonly

- within twenty-four (24) hours

Complete and submit a claim form provided by your takaful operator together with relevant supporting documents

46

What documentation do I need when filing a claim

1 Baggage lossdamage

bullPolice report (in the event of theft)

bullPhoto of damage baggage

bullReceipt of purchased baggage

bullBaggage irregularity report from airline

2 Baggage delayed


bullCopies of correspondence exchanged between airlines carrierand yourself on the cause of delay

bullOriginal receipt on expenses paid (eg daily necessities)

3 Hospital cash benefits

bullOriginal receipt on other expenses

bullCopy of medical report

bullDischarge summary from hospital

4 Medical expenses Personal accidents

bullOriginal police report

bullOriginal receipt of medical repatriation expenses

bullOriginal medical billsreceipts


bullCopy of death certificate

5 Personal liability

bullPolice report (if relevant)

bullFull documentation including copies of the summons courtdocuments solicitors and other legal correspondence etc

6 Trip cancellation Trip curtailment

bullTour operators confirmation of booking invoices

bullItinerary ticket

bullCounterfoil boarding pass(es)

bullIf trip is cancelled due to death illness or accident to any of theparticipant or immediate family or companion of the participant



47

How soon will my claims be paid

Maximum two (2) weeks upon receipt of all necessary supporting

documentation

What exchange rate will be applicable when I make the claim

Different Takaful operators have different policies on the exchange rate

charges It can be at the date of loss or when the claim is process

Will the Takaful operator pay my medical bill directly under the travel

Takaful plan

You should pay for the medical treatment first and get a receipt to seek

reimbursement upon your return to Brunei However if the amount is

significant the participant may seek the assistance of SOS services for

advance guaranteed payment

Note


participating the travel Takaful for detailed coverage

What should I do if my covered belongings are lost or damaged during

my travel

Once you realise that you have lost your baggage in the airport you

should immediately lodge a report to the airport authority and the local

police station Then upon your return you may submit all the required

documents to your Takaful operator

48

GOOD TO KNOWhellip

Important points to note when participating in travel Takaful plan

Inquire on coverage first before purchase

Please ensure to bring along your travel certificate schedule

Leave a copy at home and notify your family that you have

travel coverage

Inform your travel companion that you have travel coverage -

In case you are unconscious due to your medical condition

shehe would be able to notify the hospital

49

Other types of general Takaful

Besides motor fire and workmenrsquos compensation there are many other

types of general Takaful available in Brunei Darussalam that may suit

your needs

Refer to your Takaful operator whether they offer these plans below

Takaful Plan Description

All Risks Covers all office contents and equipment against

loss or damage by any accident or misfortune not

otherwise excluded in the certificate

Covers property against loss or damage by any

accident or misfortune not otherwise excluded in

the certificate

Burglary Covers your property against loss or damage by

theft upon forcible and violent entry

Contractorsrsquo

All Risks

Cover against material damage and liability to

third party in respect of construction works

Deterioration

Stock

Cover against loss of damage to stocks or good in

cold storage due to breakdown of refrigerating

machinery

Directors amp

Officers

Liability

Protect the directors and officers of a company for

any claim against them for wrongful acts acting in

their capacity as directors or officers of the

company

Equipment All

Risks

Covers any moveable vehicles not used on public

roadsequipment caused by or arising from

accidental collision or overturning fire external

explosion self-ignition or lightning and burglary

housebreaking or theft

50

Erection All

Risks

Similar to Contractorrsquos All Risks except this

product is designed for contract works

predominantly erection of machinery coupled

with testing

Fidelity

Guarantee

Cover against act of fraud or dishonesty

committed by employee

Fire

Consequential

Loss

Covers for the loss of profit following losses to

physical assets covered under a fire Takaful plan

in the event of a fire

Glass Covers against breakage of glass at business

premises

Golferrsquos Protect golfers against personal liabilities to a

third party and accidental bodily injury whilst

playing or practicing golf on any recognised golf

course

Liability Protect against legal liability due to accidental

bodily injury and accidental property damage to

third parties caused by or through the negligence

of the participants or their employees

Machinery

Breakdown

Covers any sudden and unforeseen breakdown or

damage to the insured machinery plant and

equipment either due to accident or failure of the

components within itself

Marine Cargo Covers against loss or damage to the buyer or

sellerrsquos goods whilst it is being transported by sea

air or land

Marine Hull Covers against loss or damage to vessel and

liability to third party

Money Covers against loss of money whilst in transit and

money kept in the participantrsquos premises

51

Personal

Accident

Covers against any bodily injury that results in

death or permanent disablement due to accident

(external and visible means)

Product

Liability

Protects the participant in the event of any claim

brought against him for anything harmful or

defective in the products or packaging sold or

supplied by the participating connection with the

business

Professional Indemnity

Covers the insured for breach of professional duty by reason of any negligent act error or omission committed or alleged to have been committed

2

Contents

Getting to know your Takaful plan 4

Getting to know your Takaful

concepts 7

The basics of Motor Takaful 13

The basics of Fire Takaful 28

The basics of Workmenrsquos

Compensation Takaful 33

The basics of Travel Takaful 42

Other types of general Takaful 50

This booklet is intended to provide readers with basic understanding of general concepts in Takaful It is advised that you check with your Takaful operator on the terms and conditions of your Takaful plan

3






Takaful operators


operator(s)

















4







illness or robbery





your finances








yourself





have Takaful plan





your needs




available in Brunei

Darussalam




sign

I have Takaful

coverage at work


coverage




5


1 General Takaful


money etc

2 Family Takaful











insured


Takaful plan









6


Takaful Definition




Sum covered





7


What is Takaful














Takaful has been in

existence in Brunei


and has been widely



since However some





insurance


provide a brief


8



1) Takaful



2) Tabarru



3) Mudharabah



4) Wakalah

9







(2) Wakalah Model



(Hybrid)

10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



3






Takaful operators


operator(s)

















4







illness or robbery





your finances








yourself





have Takaful plan





your needs




available in Brunei

Darussalam




sign

I have Takaful

coverage at work


coverage




5


1 General Takaful


money etc

2 Family Takaful











insured


Takaful plan









6


Takaful Definition




Sum covered





7


What is Takaful














Takaful has been in

existence in Brunei


and has been widely



since However some





insurance


provide a brief


8



1) Takaful



2) Tabarru



3) Mudharabah



4) Wakalah

9







(2) Wakalah Model



(Hybrid)

10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



4







illness or robbery





your finances








yourself





have Takaful plan





your needs




available in Brunei

Darussalam




sign

I have Takaful

coverage at work


coverage




5


1 General Takaful


money etc

2 Family Takaful











insured


Takaful plan









6


Takaful Definition




Sum covered





7


What is Takaful














Takaful has been in

existence in Brunei


and has been widely



since However some





insurance


provide a brief


8



1) Takaful



2) Tabarru



3) Mudharabah



4) Wakalah

9







(2) Wakalah Model



(Hybrid)

10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



5


1 General Takaful


money etc

2 Family Takaful











insured


Takaful plan









6


Takaful Definition




Sum covered





7


What is Takaful














Takaful has been in

existence in Brunei


and has been widely



since However some





insurance


provide a brief


8



1) Takaful



2) Tabarru



3) Mudharabah



4) Wakalah

9







(2) Wakalah Model



(Hybrid)

10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



6


Takaful Definition




Sum covered





7


What is Takaful














Takaful has been in

existence in Brunei


and has been widely



since However some





insurance


provide a brief


8



1) Takaful



2) Tabarru



3) Mudharabah



4) Wakalah

9







(2) Wakalah Model



(Hybrid)

10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



7


What is Takaful














Takaful has been in

existence in Brunei


and has been widely



since However some





insurance


provide a brief


8



1) Takaful



2) Tabarru



3) Mudharabah



4) Wakalah

9







(2) Wakalah Model



(Hybrid)

10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



8



1) Takaful



2) Tabarru



3) Mudharabah



4) Wakalah

9







(2) Wakalah Model



(Hybrid)

10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



9







(2) Wakalah Model



(Hybrid)

10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



10

MUDHARABAH MODEL

Note




ReTakaful costs

Refunds

Commissions

Contribution

Fund related

expenses [1]

Distributable

Surplus

Investment

Returns

Profit


Deduct Investment

11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



11

WAKALAH MODEL

Note




ReTakaful costs

Refunds


Syariah compliance




Takaful operator






Participants

Contribution

Syariah

Compliance

Investment

Fund related


Tabarrursquo

Fund

Wakalah fee

(as agent)

Takaful

Operator

12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



12




contract




policyholder




other










separates assets of

insurance fund with



company using the

insurance fund


participants



insurance company

Responsibility

of Participants

Policyholders

Participants make




the scheme

Policyholders pay


company

Liability of the

Takaful

Operator

Insurance

Company





funds






Investment

of Fund







13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



13




















Brunei Darussalam



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



14


Darussalam



Standard

Coverage

Note take

note of the

limit

provided

Covers against


injury and death

b) third party

property damage

Covers against


and death


damage



theft or accidental









loss or damage of





or breakage




parts not directly


accident and




by act of cheating

15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



15


plan



windscreen damages

flood storm

excess protector


personal accident











Personal details

Vehicle blue card






plan

16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



16

Case study








Darussalam













17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



17



Party Comprehensive

Third

Party


2 consecutive

years before

25 25 15 15

3 consecutive

years before

30 30

(max)

20 (max) 20

(max)

4 consecutive

years before

40

5 or more

consecutive

years before

50 (max)





20






are

1 Vehicle Excess

2 Driver Excess


b) Age of driver



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



18











(1) Model Loading




(2) Year Loading



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



19
















Take note of the

accident





Notify your

Takaful Operator



Approved workshop


Submit your

claim


20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



20


Darussalam



accident



Same as above

Notify the police


Report to your

Takaful operator



Cooperate







21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



21



to my car







entitlement






Approved workshop


Documentation






of the vehicle

22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



22










Workshop repair







23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

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nt

auth

ori

ties





hours No

tify

yo

ur

Tak

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l o

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r

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operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



23








Documentation







24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

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leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

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operator within the

time stipulated in

your certificate

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mit

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aim




Ass

essi

ng

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aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

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liability




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money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



24


















(1) Total write-off






25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

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auth

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ties





hours No

tify

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ur

Tak

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l o

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operator within the

time stipulated in

your certificate

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mit

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aim




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essi

ng

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aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



25

GOOD TO KNOWhellip









still valid













Takaful operator

26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

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l o

per

ato

r

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operator within the

time stipulated in

your certificate

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mit

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aim




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essi

ng

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aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

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accidents



event

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liability




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money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



26





be cheaper






27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

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l o

per

ato

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operator within the

time stipulated in

your certificate

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mit

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aim




Ass

essi

ng

you

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aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



27





Standard cover








Aircraft damage

Impact damage





Flood



Aircraft damage

Impact damage





Flood

28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

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operator within the

time stipulated in

your certificate

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mit

you

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aim




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essi

ng

you

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aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



28






under this plan









fire





War or riot

Landslip

Nuclear activity

Terrorism

Asbestos



perils

29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

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operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




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essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



29


plan



Loss of rental

Removal of debris















plan





30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



30




Householder










31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



31

MAKING A FIRE CLAIM








coverage




No

tify

th

e re

leva

nt

auth

ori

ties





hours No

tify

yo

ur

Tak

afu

l o

per

ato

r

Notify your Takaful

operator within the

time stipulated in

your certificate

Sub

mit

you

rcl

aim




Ass

essi

ng

you

rcl

aim



claim



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Fire

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premises




course





Machinery

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51

Personal

Accident




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business



32











of employment














33








Darussalam









alcohol or a drug






Exclusions include

War


Terrorism



34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



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Loss





premises




course





Machinery

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51

Personal

Accident




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business



33








Darussalam









alcohol or a drug






Exclusions include

War


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34



compensation



Compensation Act






responsible for













after the accident

35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








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dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

Personal

liability




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money




the hotel

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hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Guarantee



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premises




course





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51

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business



34



compensation



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responsible for













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35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



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36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








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dependent(s)

40















extremely difficult





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Medical expenses

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Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

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liability




Personal

money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





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Breakdown







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51

Personal

Accident




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business



35






EMPLOYER



LABOUR DEPT




Takaful operator

TAKAFUL OPERATOR


collection

EMPLOYER



LABOUR DEPT



36





the employee


dependent(s)



plan
















37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








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dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

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Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

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accidents



event

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liability




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money




the hotel

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hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



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premises




course





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51

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business



36





the employee


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37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

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liability




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money




the hotel

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hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Guarantee



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premises




course





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Breakdown







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51

Personal

Accident




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business



37









claim





38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

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Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

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liability




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money




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hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Loss





premises




course





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Breakdown







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51

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Accident




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Liability





business



38


TREATMENT
















39

GOOD TO KNOWhellip














compensation claim








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dependent(s)

40















extremely difficult





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Medical expenses

Personal liability

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Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




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expenses




overseas

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accidents



event

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liability




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money




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hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Loss





premises




course





Machinery

Breakdown







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51

Personal

Accident




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Liability





business



39

GOOD TO KNOWhellip














compensation claim








the employee


dependent(s)

40















extremely difficult





Baggage delayed


Medical expenses

Personal liability

Personal money

Strikes and hijacks

Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




Medical

expenses




overseas

Personal

accidents



event

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liability




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money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Guarantee



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Consequential

Loss





premises




course





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Breakdown







air or land





51

Personal

Accident




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business



40















extremely difficult





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Medical expenses

Personal liability

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Trip cancellation


Note



out more

41



Baggage

(lostdamage)



Baggage

delayed





home

Hospital cash

benefits




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expenses




overseas

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accidents



event

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liability




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money




the hotel

Strikes and

hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



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Consequential

Loss





premises




course





Machinery

Breakdown







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51

Personal

Accident




Product

Liability





business



41



Baggage

(lostdamage)



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delayed





home

Hospital cash

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expenses




overseas

Personal

accidents



event

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liability




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money




the hotel

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hijacks





42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



42

Trip

cancellation








Trip

curtailment








family members









passenger







consequence of

43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

Fidelity

Guarantee



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Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



43














list of exclusions




to Brunei






44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Guarantee



Fire

Consequential

Loss





premises




course





Machinery

Breakdown







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51

Personal

Accident




Product

Liability





business



44


than 60 years old



old





hospitalization

Note



medical assistance

45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Guarantee



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Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



45


How to make a claim









46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



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Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Loss





premises




course





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air or land





51

Personal

Accident




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Liability





business



46







2 Baggage delayed
























47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Guarantee



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Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



47



documentation





Takaful plan





Note




my travel





48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



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Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Consequential

Loss





premises




course





Machinery

Breakdown







air or land





51

Personal

Accident




Product

Liability





business



48

GOOD TO KNOWhellip





travel coverage




49




your needs








the certificate



Contractorsrsquo

All Risks



Deterioration

Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Guarantee



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Consequential

Loss





premises




course





Machinery

Breakdown







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51

Personal

Accident




Product

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business



49




your needs








the certificate



Contractorsrsquo

All Risks



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Stock



machinery

Directors amp

Officers

Liability




company

Equipment All

Risks






50

Erection All

Risks




with testing

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Guarantee



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Consequential

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premises




course





Machinery

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51

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Accident




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Liability





business



50

Erection All

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with testing

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Guarantee



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premises




course





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51

Personal

Accident




Product

Liability





business



51

Personal

Accident




Product

Liability





business

