Of course I took their word for it assuming it is the same then bumped in to this thread today and that's also reason why I asked a question here to find out.

Even their FAQ stated that way https://motortakaful.com/faq

"While the end goals of insurance and takaful are similar (to provide financial cover against risk such as accidents), there are subtle but important differences between the two concepts. While conventional insurance is governed purely for commercial considerations, the takaful system is based on mutual co-operation and shared responsibility. Governed by the Syariah Advisory Council, it must therefore adhere to certain Islamic principles - most importantly of which it must be free from elements of gharar (uncertainty) in respect of contribution and coverage, maisir (gambling) and riba (interest)."