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3 simple steps to sign up for your Motor Takaful online:


Choose your plan


Make payment

Get a Quote/Sign Up Now

Important Notes:
This takaful product is underwritten by Etiqa General Takaful Berhad. Citibank is a distributor of this takaful product. Please ensure you obtain a copy of the Product Disclosure Sheet available at the Etiqa website for further details. All benefits listed below are subject to terms and conditions. You are advised to read and understand the product terms and conditions before you decide to sign up for the takaful product.



Loss or damage to your own vehicle due to accidental fire, theft, or accident

Third party bodily injury and death

Third party property loss or damage

All authorised drivers are covered

There is no need for you to put in any named drivers, all your authorised drivers are automatically covered.

24 Hours Emergency Road Assistance

In the event of a breakdown and an accident.

Cash back when you make no claims

Surplus sharing where applicable.

Agreed value

In the event of a claim, you will be reimbursed according to the agreed value.

No excess

Full payment upon claim. For drivers above 21 years old.


Optional benefits (with additional contribution):

Windscreen damage

Protect your No Claim Discount benefits when claiming for windscreen cracks and breaks.

Passenger Liability Coverage

Get covered for medical expenses, death or disability due to accident for both driver and passengers.

Damage arising from flood, storm and tempest

Get covered against loss or damages to your car due to floods, storms and tempests.

Compensation for Loss of Use

Get compensation when your car is in the workshop for accident repairs, maximum cash payout of RM200 per day.

Current year No Claim Discount(NCD) relief

Protect the loss of your NCD due to accident claim.

Vehicle accessories

Get covered against damages to your car accessories.

Car Re-Spray Coverage

Get covered for repainting the whole car. Applicable for cars below 10 years old.

Smart Key Replacement Coverage

Get cash of up to RM3,000 for coverage against loss, theft or damage of your car's smart key.

New Spare Part Replacement Coverage

Replacement of damaged parts due to accident with new spare parts at no additional charges. Applicable for cars between 5 to 15 years.


Entry Age

  • Between 25 to 80 years old

Maximum Renewable Age

  • 80 years old


Without optional benefits

This certificate does not cover certain losses, such as:

  • • Your own death or bodily injury due to a motor accident;
  • • Your liability against claims from passengers in your vehicle;
  • • Loss, damage or liability arising from an act of nature i.e. flood, storm or landslide; and
  • • Consequential loss, depreciation, wear and tear, rust and corrosion, mechanical or electronic breakdowns, failures or breakages, equipment or computer malfunction.

Note: This list is non-exhaustive. Please refer to the takaful certificate for the full list of exclusions.

Frequently asked questions

  • Is this motor takaful plan a product of Citibank Berhad?

    No, this takaful product is not a Citibank Berhad product. Citibank is a distributor of this takaful product underwritten by Etiqa General Takaful Berhad.

  • Can I approach Citibank to sign up, arrange for claim or for other inquiries I may have regarding this motor takaful plan?

    Customers can sign up online via clicking the call-to-action button and land on Etiqa’s website – subject to Etiqa’s terms and conditions, and privacy notice. Customers are required to liaise with Etiqa directly on product and claim related questions.

  • Can I sign up motor takaful on behalf of my spouse or parents?

    It is advisable that the driver/car owner themselves sign up the motor takaful certificate themselves.

  • How do I sign up for additional flood, windscreen or other add-ons?

    Select Comprehensive Motor Takaful and determine the sum covered. You will then be able to select the additional coverage from the list of add-ons.

  • What is Agreed Value? How is it different with Market Value?

    The contribution amount for Agreed Value is usually higher than Market Value. If total loss occurs, the claim payment for Agreed Value will be the same amount that was agreed upon at the point of sign up. The claims amount for Market Value is dependent on your car’s market value at the time of incident.

  • What should I do if I’m involved in an accident?

    • Make a police report within 24 hours of the accident.
    • Register your claims with Etiqa General Takaful Berhad, or visit the nearest Etiqa branch.
    • Contact Etiqa at 1-300-88-1007 for queries on claims process or status.

  • What is the difference between certificate excess (voluntary excess) and excess (compulsory excess)?

    Voluntary excess refers to the excess mentioned in your certificate agreement, and is applicable in every claim. Compulsory excess refers to an additional excess amount that you are required to pay in the event of claim if the driver is:
    • Below 21 years old
    • Holding an L license
    • Holding a full license less than 2 years

  • What information is sent to the Department of Road Transport (JPJ) during verification part of the renewal process?

    Engine and chassis number of the vehicle being covered as well as the vehicle owner’s new IC (or old IC) and the dates to start or end the takaful cover.

  • Will I lose my No Claim Discount (NCD) if I make a claim?

    You will not lose your NCD if the third party driver is at fault. The ultimate decision of the party at fault will be determined by evidence from the police investigation.

  • In the event of theft, how long do I have to wait for my claim?

    The length of time to finalise your claim is dependent on the completion of investigation from the police and the certified independent adjuster (appointed by Etiqa General Takaful Berhad).

  • I added on windscreen cover. What happens to my cover after a claim?

    If the claim amount is less than the covered amount, the windscreen is still covered, but with a lower value for the remaining certificate year. Example, if you’re covered with RM1,000 for windscreen and the repair cost is RM250, you’re still covered for the balance of RM750 until the certificate expires.

  • Do I have to pay first to replace my windscreen?

    If your car is repaired at an Etiqa panel workshop, Etiqa will pay the costs directly to the said workshop.

Important Notes:

  • • This takaful plan is underwritten by Etiqa General Takaful Berhad (201701025031). Etiqa General Takaful Berhad is licensed under Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia. Etiqa General Takaful Berhad is located at Dataran Maybank, No. 1, Jalan Maarof, 59000 Kuala Lumpur. It is not a bank deposit or obligation of or guaranteed by Citibank Berhad, Citibank NA, CitiGroup Inc., or any of their affiliates or subsidiaries.
    Citibank Berhad (297089-M) is the distributor of this takaful plan and is located at Menara Citibank 165, Jalan Ampang, 50450 Kuala Lumpur.
  • • This write-up is for general information and is not to be construed as a certificate of takaful. The precise terms, conditions and definitions of the takaful plan are specified in the certificate issued by Etiqa General Takaful Berhad.
  • • Signing up a takaful plan is optional. You should satisfy yourself that this takaful product will best serve your needs and objectives, and that the contribution payable under the takaful plan is an amount you can afford.
  • • There may be eligibility criteria to sign up this takaful product. An underwriting decision (if any) will be made by Etiqa General Takaful Berhad regarding the customer’s eligibility to sign up this takaful product.
  • • All claims under this takaful plan will be solely decided upon by Etiqa General Takaful Berhad.
  • Tax benefits (if applicable) are governed by local regulations and subject to changes in the tax laws. Citibank and its employees are not in the business of providing tax advice.
  • • This document does not constitute the making of any offer or invitation to subscribe for takaful products nor does it amount to solicitation by Citibank Berhad, Citibank N.A., CitiGroup Inc., or any of their affiliates or subsidiaries for applications of takaful products by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorised or to any person to whom it is unlawful to make such an offer, invitation or solicitation.
  • • This write-up also does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorised or to any person to whom it is unlawful to distribute such a document.
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PIDM Disclosure:

For certain takaful certificates and insurance policies issued by takaful operators and insurance companies licensed under the Islamic Financial Services Act 2013 and Financial Services Act 2013 respectively, are eligible for protection under the Takaful and Insurance Benefits Protection System (TIPS). For details on the type of benefits eligible under the TIPS and related protection limits, please visit PIDM website ( or call PIDM toll free line at 1-800-88-1266. Alternatively, you may also obtain a copy of the TIPS brochure from our branches.

Citi and Etiqa have partnered to bring the best expertise from the banking and takaful worlds, and help you protect what’s truly important.