Frequently Asked Questions
General Insurance FAQs
Insurance offer financial protection against unexpected event like death, accident, and illnesses.
There are two (2) categories of insurance; life insurance which covered individual, and general insurance which covered properties owned by the individual.
On the other hand, there are also two (2) types of insurance; conventional insurance, and takaful
Takaful is a Shariah‑compliant protection concept where participants contribute to a shared fund to help one another in times of need. It operates on principles of mutual assistance, transparency, and ethical investment.
Takaful is based on cooperation (ta’awun) and shared responsibility, while conventional insurance is based on risk transfer. Takaful funds are managed ethically and do not involve interest (riba), uncertainty (gharar), or prohibited activities
We are a Corporate Agency for ETIQA General Takaful Berhad (EGTB) and Takaful IKHLAS General Berhad (TIGB) — two of Malaysia’s leading general takaful operators
Yes. All takaful operators are regulated by Bank Negara Malaysia (BNM) under the Islamic Financial Services Act (IFSA)
Motor Insurance FAQs
Subject to underwriting, there are three (3) types of motor insurance coverage for vehicle:
Comprehensive Motor Takaful
Third Party, Fire & Theft (TPFT)
Third Party Only (TPO)
It covers:
Damage to your vehicle
Theft
Fire
Third‑party bodily injury & property damage
Optional add‑ons (windscreen, flood, special perils, e‑hailing, etc.)
Yes. Windscreen coverage is available as an add‑on and allows replacement without affecting your No Claim Discount (NCD).
Special Perils protects your vehicle against:
Flood
Landslide
Storm
Falling trees
Natural disasters Highly recommended for Malaysian weather conditions.
Yes. You can renew by contacting us via whatsapp, telegram channel or just fill-up Auto Quotation Form and submit
Previous cover note or policy (if available) OR Ownership Certificate (Grant)
NCD is a discount given if you have not made any claims. It applies to private cars, motorcycles, and commercial vehicles
Yes, as long as the vehicle is under the same owner’s name
Yes. We offer e‑Hailing coverage for Grab, inDrive, Maxim, and other platforms
Absolutely. The roadtax amount for your vehicle will include in the quotation. We will help you to renew roadtax after insurance activation.
You can check your newly activated roadtax via myJPJ mobile apps
Claims FAQs
Contact ETIQA Takaful or Takaful IKHLAS immediately. You’re required to:
Lodging a police report within 24 hours
Submitting necessary documents
Sending your vehicle to a panel workshop
As agent, we will help you tracking claim status from time-to-time
Typically:
Police report
IC & driving license
Photos of damage
Insurance certificate
Workshop quotation
Minor claims may take 3–7 working days, while major repairs may take longer depending on parts availability and workshop workload
For takaful claims, repairs must be done at panel workshops approved by EGTB or TIGB
Commercial & Business Takaful FAQs
Yes. Subject to underwriting guidelines by Takaful Operators
Yes. Our advisors will assess your business needs and propose suitable takaful solutions
Payment & Policy FAQs
We accept:
Bank Transfer (DuitNow)
- Payment Gateway
Yes. Your e‑Certificate will be issued instantly once payment is received
Yes, but refunds are subject to terms and conditions set by the takaful operator
Your coverage lapses. You may also lose your current NCD percentage if the lapse is too long. Always renew before expiry