General Takaful Category 1: Accident

Takaful Contracts providing fixed pecuniary benefits or benefits in the nature of indemnity (or a combination of both) against risks of the Person insured:

(1) sustaining injury as the result of an accident or of an accident of a specified class;

(2) dying as a result of an accident or of an accident of a specified class; or

(3) becoming incapacitated in consequence of disease or of disease of a specified class, including contracts relating to industrial injury and occupational disease but excluding contracts falling within Family Takaful Category 4 (Permanent Health).

General Takaful Category 2: Sickness

Takaful Contracts providing fixed pecuniary benefits or benefits in the nature of indemnity (or a combination of both) against risks of loss to the Persons insured attributable to sickness or infirmity but excluding contracts falling within Family Takaful Category 4 (Permanent Health).

General Takaful Category 3: Land vehicles

Takaful Contracts against loss of or damage to vehicles used on land, including motor vehicles but excluding railway rolling stock.

General Takaful Category 4: Railway rolling stock

Takaful Contracts against loss of or damage to railway rolling stock.

General Takaful Category 5: Aircraft

Takaful Contracts upon aircraft or upon the machinery, tackle, furniture or equipment of aircraft.

General Takaful Category 6: Ships

Takaful Contracts upon vessels used on the sea or on inland water, or upon the machinery, tackle, furniture or equipment of such vessels.

General Takaful Category 7: Goods in transit

Takaful Contracts against loss of or damage to merchandise, baggage and all other goods in transit, irrespective of the form of transport.

General Takaful Category 8: Fire and natural forces

Takaful Contracts against loss of or damage to property (other than property to which categories 3 to 7 relate) due to fire, explosion, storm, natural forces other than storm, nuclear energy or land subsidence.

General Takaful Category 9: Damage to property

Takaful Contracts against loss of or damage to property (other than property to which General Insurance Categories 3 to 7 relate) due to hail or frost or any other event (such as theft) other than those mentioned in General Takaful Category 8 (Fire and natural forces).

General Takaful Category 10: Motor vehicle liability

Takaful Contracts against damage arising out of or in connection with the use of motor vehicles on land, including third-party risks and carrier’s liability.

General Takaful Category 11: Aircraft liability

Takaful Contracts against damage arising out of or in connection with the use of aircraft, including third-party risks and carrier’s liability.

General Takaful Category 12: Liability of ships

Takaful Contracts against damage arising out of or in connection with the use of vessels on the sea or on inland water, including third party risks and carrier’s liability.

General Takaful Category 13: General liability

Takaful Contracts against risks of the persons insured incurring liabilities to third parties, the risks in question not being risks to which General Takaful Categories 10, 11, 12 or 20 relate.

General Takaful Category 14: Credit

Takaful Contracts against risks of loss to the Persons insured arising from the insolvency of debtors of theirs or from the failure (otherwise than through insolvency) of debtors of theirs to pay their debts when due.

General Takaful Category 15: Suretyship

(1) Takaful Contracts against the risks of loss to the Persons insured arising from their having to perform contracts of guarantee entered into by them.

(2) Fidelity bonds, performance bonds, administration bonds, bail bonds or customs bonds or similar contracts of guarantee, where these are:

(a) effected or carried out by a Person not carrying on the business of Accepting Deposits;

(b) not effected merely incidentally to some other business carried on by the Person effecting them; and

(c) effected in return for the payment of one or more premiums.

General Takaful Category 16: Miscellaneous financial loss

Takaful Contracts against any of the following risks, namely:

(1) risks of loss to the Persons insured attributable to interruptions of the carrying on of business carried on by them or to reduction of the scope of business so carried on;

(2) risks of loss to the Persons insured attributable to their incurring unforeseen expense (other than loss such as is covered by contracts falling within General Takaful Category 18 (Assistance)); or

(3) risks which do not fall within sub-paragraph (1) or (2) and which are not of a kind such that Contracts of Insurance against them fall within any other General Takaful Category.

General Takaful Category 17: Legal expenses

Takaful Contracts against risks of loss to the Persons insured attributable to their incurring legal expenses (including costs of litigation).

General Takaful Category 18: Assistance

Takaful Contracts providing either or both of the following benefits, namely:

(1) assistance (whether in cash or in kind) for Persons who get into difficulties while travelling, while away from home or while away from their permanent residence; or

(2) assistance (whether in cash or in kind) for Persons who get into difficulties otherwise than as mentioned in sub-paragraph (1).

General Takaful Category 19: Space

Takaful Contracts against loss of or damage to spacecraft and space objects (including satellites).

General Takaful Category 20: Space liability

Takaful Contracts against damage arising out of or in connection with the use of spacecraft and space objects, including third-party risks and carrier’s liability.