List of Best Legal Auto Insurance for 2022 - Islamic automobile insurance is insurance that compensates for economic losses due to automobile damage, disaster, theft, etc. based on Islamic law.
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To choose your car insurance more accurately, you should listen to our list of the best Islamic car insurance in this article. Here is a list of the best Islamic car insurance recommendations that you can record as you plan to buy a car one day.
1. Sharia Alum
Single car One of the best list of Sharia car insurance offers protection against damage or loss of your car. This insurance is committed to applying Islamic Shariah principles. Here are the benefits of the different covers this insurance offers: Compensation for damage/loss of the unit Compensation for loss due to accidents Liability of third parties
2. Garuda Autocannon
At the start of this premium purchase, the insurance company representative and potential customer agree to a Shariah insurance contract applying Islamic principles on a mutual basis.
Interestingly, Garda Oto Syariah's customers can benefit in the form of no claims and profit sharing bonus schemes if they have not made a claim in the previous period.
Profit sharing is calculated based on company profits and distributed to clients. And since the network is as broad as her traditional Garda Oto insurance, customers will have no trouble finding her partner's workshop.
3. Ottosurin
Best Regards, One of the recommendations in Autocilin Ikhlas' list of the best Sharia compliant car insurance is a Sharia compliant car policy issued by Adira Insurance.
The policies offered by Autocilin Ikhlas give customers the option to customize the premiums according to their needs, offering comprehensive protection and total loss protection only (TLO).
You can also receive a profit share at the end of the premium payment period if you do not file a claim. Find out about the different protections offered by the following Autocillin Ikhlas car insurance. Medical Expense Coverage Coverage for vehicle damage caused by floods, hurricanes, earthquakes, strikes and riots. Third Party Indemnification. Providing Accident Coverage to Customers
4. Shariah insurance and conventional insurance
Traditional insurance generally uses the principle of buy-sell transactions, which means that both parties (the insurer and the customer) expect a profit. Shariah insurance, on the other hand, uses the principle of cooperation or assistance.
By applying the principle of cooperation, each customer of Shariah compliant motor insurance is entitled to have the insurer manage the customer's money (hereafter referred to as the "tabla fund") on the basis of a commission agency agreement or a compulsory agreement. approve.
The insurance company receives a service fee for services performed under the client's approval. This is later called fare.
Any Tapalo Money received by the insurance company will be used as compensation funds for customers with approved claims. In other words, the claim funds of Shariah compliant insurance customers come from many other customers.
Due to the principles of Islamic law that form the basis of Shariah insurance, the placement and use of Tavlon funds must follow Islamic teachings. There should be no element of gambling, illegal products or investments in alcoholic beverages in the management of these funds.
5. Selection Tips
Best Islamic Auto Insurance Like traditional insurance, sharia insurance also competes to offer a variety of protection packages at affordable prices. However, in order not to choose the wrong best Islamic car insurance list, know the following tips.
- Know the amount of insurance premiums Insurance premiums are premiums paid by the customer. Some insurers offer monthly or annual payments. In order for the installments to continue, the customer must pay the installments on a regular basis.
There are many factors that affect the premium amount, such as the amount of coverage for the vehicle covered, the age of the vehicle, and where you live. When you want to buy a car, you have to prepare car insurance money in addition to buying a car. - Ensure that Sharia insurance is supervised by her DPS. The Sharia Supervisory Board (DPS) is the body that supervises the operations of Islamic financial institutions. With DPS overseeing your Shariah insurance of choice, your policy may be duly operated according to Islamic Shariah.
- The use of Tavlon funds shall be in accordance with Islamic law. According to his Islamic law, Tavlon funds are funds collected from clients and must be used applying the principle of mutual assistance consistent with insurance. not.