Insurance is one way to minimize the financial losses that unexpected and can happen to anyone at any time, including motor vehicles. In Takaful types of risks insured under a motor vehicle insurance is roughly equal to the motor vehicle insurance on conventional insurance, but there are things that distinguish between different contract limits its use. The use of motor vehicle for activities related to matters such as those involving pornography illegal, pornographic, can not be insured on Takaful.
Islamic insurance companies to allow the return of surplus tabarru 'if participants do not have to make a claim motor vehicle insurance or if the amount of the claim does not reach certain agreed value. This
concept is also found in conventional insurance which is called the 'no
claims discount' or 'no claim bonus', but they are required to extend
the motor vehicle insurance policy for the next period. While the Takaful participants do not have to extend the motor vehicle insurance policy to get a refund of surplus tabarru '.