Salaam Takaful Limited
Salaam Takaful Limited is a Shariah-compliant general takaful operator offering motor takaful solutions for eligible private and commercial vehicles in Pakistan. Its motor takaful protection may include covered accidental damage, theft, fire, natural calamities, third-party liability and vehicle accessories, subject to the selected takaful certificate. Toyota Walton Motors assists customers with quotation requests, documentation, inspection coordination and claim facilitation, while final underwriting, certificate issuance and claim settlement remain subject to Salaam Takaful Limited.
At a glance
| Toyota vehicles | ✔ |
| Other makes | ✔ |
| Private | ✔ |
| Commercial | — |
| Inspection required | No |
| Helpline | +92 (21) 111-875-111 |
Salaam Motor Takaful through Toyota Walton Motors
Toyota Walton Motors helps customers request Shariah-compliant motor takaful quotations from Salaam Takaful Limited for eligible Toyota and other vehicle makes. Salaam Takaful provides vehicle protection based on cooperative takaful principles and applicable certificate terms.
Our insurance and takaful team assists customers with vehicle details, current market value, quotation requests, required documents, inspection coordination and claim facilitation. Final participant contribution, coverage and certificate issuance remain subject to Salaam Takaful Limited’s underwriting requirements.
Shariah-Compliant Motor Protection
Depending on the selected takaful certificate, Salaam Motor Takaful may provide protection against covered accidental damage, theft, fire, natural calamities, total or partial loss, third-party liability and declared vehicle accessories.
- Shariah-compliant motor takaful protection
- Accidental loss or damage, subject to certificate terms
- Fire and theft cover where specifically included
- Natural calamity protection where covered
- Total-loss and partial-loss protection
- Third-party bodily injury and property-damage liability
- Coverage for approved and declared accessories
- Options for eligible private vehicles
- Commercial vehicle options where available
Salaam Takaful for Toyota Vehicles
Eligible Toyota owners may request a Salaam Takaful quotation through Toyota Walton Motors. Our team will review the vehicle make, model, manufacturing year, usage, condition and current market value before preparing the applicable quotation.
Where Toyota Protection Plan eligibility applies, the quotation will clearly identify the Toyota Protection Plan benefits and applicable depreciation schedule. A standard Salaam Motor Takaful certificate must not automatically be described as a Toyota Protection Plan.
How Takaful Works
Takaful is based on cooperation between participants who contribute to a shared fund for mutual protection. Salaam Takaful manages the fund and processes eligible claims according to the issued certificate, approved Shariah framework and applicable regulatory requirements.
Documents Normally Required
- Participant’s CNIC copy
- Valid driving licence
- Vehicle registration book or smart card
- Purchase invoice for an unregistered vehicle
- Recent vehicle photographs
- Inspection or survey where required
- Additional documents requested during underwriting
How to Request a Salaam Takaful Quotation
- Enter the vehicle make, model, manufacturing year and market value.
- Select private or commercial vehicle usage.
- Provide your name, phone number, city and preferred protection.
- Our team will review the applicable Salaam Takaful option.
- An indicative quotation will be shared for review.
- Final issuance will follow document review, inspection and approval.
Claim Assistance
In case of an accident, theft, fire, natural calamity or another covered event, notify Salaam Takaful as soon as possible and provide the certificate number, participant details, vehicle information and incident details.
Repairs should not begin before survey and authorization unless immediate action is necessary to ensure safety or prevent further damage. Toyota Walton Motors can assist with claim notification, documentation, survey coordination and approved repair processing.
Important Information
Online rates and calculations are indicative estimates unless confirmed by Salaam Takaful Limited. Final participant contribution may depend on vehicle value, make, model, age, usage, condition, inspection, deductible, tracker requirements and underwriting.
Customers should review the issued takaful certificate, schedule, endorsements, deductible, depreciation, coverage limits and exclusions before payment and acceptance.
Depreciation rates
Lower depreciation = higher payout at claim time. As a Toyota Protection Plan partner, Salaam Takaful offers the reduced TPP slabs for eligible cars.
| Vehicle age | Toyota Protection Plan | Standard |
|---|---|---|
| Year 1 | 0% | 10% |
| Year 2 | 10% | 20% |
| Year 3 | 15% | 30% |
| Year 4 | 20% | 40% |
| Year 5 | 25% | 50% |
| Year 6 & above | 30% | 60% |
*Indicative slabs, configurable and subject to the insurer's policy terms.
Claim process
In the event of an accident, theft, fire, natural calamity or other covered loss, first ensure the safety of passengers and secure the vehicle where reasonably possible.
Notify Salaam Takaful Limited as soon as possible through its official UAN at +92 (21) 111-875-111. Provide the takaful certificate number, participant’s name, contact number, vehicle registration number, incident date, time, location and a brief description of the loss.
Do not begin repairs, dismantle the vehicle or replace damaged parts before survey and written authorization, except where immediate action is necessary to prevent further loss or protect safety.
Submit the documents requested by Salaam Takaful. These may include CNIC, valid driving licence, vehicle registration documents, takaful certificate, photographs, repair estimate, police report or FIR and other supporting documents relevant to the claim.
Salaam Takaful may appoint a surveyor to inspect the vehicle, assess the loss and determine the admissible repair scope. Repair authorization, parts approval, deductible, depreciation and claim settlement will be processed according to the issued takaful certificate.
Toyota Walton Motors can assist with claim notification, documentation, survey coordination and approved repair processing. Final claim approval and settlement remain subject to Salaam Takaful Limited.
Frequently asked questions
What is Salaam Motor Takaful?
Salaam Motor Takaful is a Shariah-compliant vehicle protection arrangement under which participants contribute to a shared fund for covered vehicle losses, subject to the issued takaful certificate.
What does Salaam Motor Takaful cover?
Depending on the selected certificate, protection may include accidental damage, theft, fire, natural calamities, total or partial loss, third-party liability and declared accessories.
Does Salaam Takaful cover Toyota vehicles?
Yes, eligible Toyota vehicles may be covered subject to vehicle details, inspection, participant value and underwriting approval.
Does Salaam Takaful cover non-Toyota vehicles?
Yes, eligible vehicles from other local and imported manufacturers may be considered according to underwriting requirements.
Is Salaam Takaful conventional insurance?
No. Salaam Takaful provides Shariah-compliant takaful protection rather than conventional insurance.
Does Salaam Takaful cover private vehicles?
Yes, eligible private vehicles may be considered for comprehensive motor takaful protection.
Does Salaam Takaful cover commercial vehicles?
Commercial vehicles may be considered under applicable products. Rates, limits, documents and inspection requirements may differ from private vehicles.
Is Toyota Protection Plan available through Salaam Takaful?
Toyota Protection Plan availability depends on current partnership status, eligible vehicle details and the approved plan. Toyota Walton Motors will confirm whether the quotation qualifies as TPP.
Does Toyota Protection Plan provide zero depreciation?
Toyota Protection Plan describes 0% depreciation in the first year for eligible policies or takaful certificates. Later-year depreciation and all benefits remain subject to the issued terms.
Does Salaam Takaful cover theft and fire?
Theft and fire may be covered where specifically included in the selected motor takaful certificate.
Are floods and natural calamities covered?
Natural calamities may be covered under the selected comprehensive motor takaful certificate, subject to the wording and exclusions.
Does Salaam Takaful provide third-party protection?
Third-party bodily injury and property-damage liability may be included according to the selected takaful product and certificate terms.
Is vehicle inspection required?
Inspection may be required depending on vehicle age, condition, registration status, participant value and underwriting rules.
How is the Salaam Takaful contribution calculated?
The contribution may depend on vehicle market value, make, model, year, usage, selected protection, inspection, deductible and underwriting requirements.
Is the website quotation final?
No. Website calculations are indicative until the documents, vehicle details, inspection and underwriting have been reviewed and approved.
What documents are required for motor takaful?
Common documents include CNIC, valid driving licence, vehicle registration documents, purchase invoice where applicable, photographs and additional underwriting documents.
How do I report a claim to Salaam Takaful?
Contact Salaam Takaful as soon as possible through +92 (21) 111-875-111 and provide your certificate, vehicle and incident details.
Can repairs begin before the survey?
Repairs should not normally begin before inspection and authorization. Emergency measures may be taken only to ensure safety or prevent further damage.
Are genuine Toyota parts included in every Salaam Takaful certificate?
No. Parts entitlement depends on the selected certificate, depreciation, survey and claim approval. Toyota Protection Plan benefits apply only to eligible TPP cases.
Are mechanical and electrical breakdowns covered?
Mechanical or electrical breakdown, normal wear and tear and maintenance failures are generally excluded unless specifically covered.
Is a tracker compulsory?
A tracker is not mandatory for every vehicle. It may be required according to vehicle model, participant value, theft risk or underwriting conditions.
Can Toyota Walton Motors assist with a Salaam Takaful claim?
Toyota Walton Motors can assist with notification, documents, survey coordination and approved repairs. Final claim approval remains with Salaam Takaful Limited.
How long does certificate issuance take?
Issuance depends on complete documents, inspection, payment and underwriting approval. No fixed timeframe should be promised before completion.
Can an older vehicle receive motor takaful protection?
Older vehicles may be considered subject to age limits, condition, spare-parts availability, market value, inspection and underwriting approval.
How can I get a Salaam Takaful quotation?
Complete the Toyota Walton Motors quotation form with your vehicle and contact details. Our team will review the applicable Salaam Takaful option and contact you.
Free quote with Salaam Takaful
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