Etiqa is a well-known insurance provider in Malaysia. They offer two types of motorcycle insurance plans, a conventional option and a Shariah-compliant option
They are known for their user-friendly online platform and quick and easy claims process.
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Etiqa’s motorcycle insurance plans cover loss or damage to your bike due to accidental fire, theft, or accident; third-party bodily injury or death; and third-party property loss or damage.
Conventional:
Comprehensive:
Takaful:
Etiqa offers optional benefits that can be purchased by paying additional premiums. These include all riders’ coverage, special perils coverage for flood and landslide, and protection against strikes, riots, and civil commotion.
The insurance plans are designed to cater to all bike owners in Malaysia.
Etiqa offers a good coverage options for both conventional and Shariah-compliant plans.
Some customers have reported issues with the claim process, stating that it is slow and the customer service is not up to the mark.
Etiqa Insurance & Takaful has an average rating of 3.9 out of 5. Some customers praised the detailed explanations of products, while others criticized the slow claim process and poor customer service.
Aspect | Takaful Motorcycle Insurance | Etiqa Motorcycle Insurance |
---|---|---|
Insurance Principles | Based on Islamic finance principles (Takaful) | Conventional insurance |
Coverage Options | – Damage to motorcycle<br>- Third-party liability<br>- Personal accident<br>- Optional roadside assistance | – Damage to motorcycle<br>- Third-party liability<br>- Personal accident<br>- Optional roadside assistance and other add-ons |
Customization Options | Coverage and benefits may vary by provider and plan | Various plans and optional add-ons available |
Premiums | Premiums may vary based on coverage, provider, and plan | Premiums may vary based on coverage, selected plan, and additional features |
Deductibles | May have deductibles depending on the selected plan | Deductibles may apply based on the chosen coverage and plan |
Customer Service | Service quality may vary by provider | Etiqa is known for its reliable customer service |
Reputation | Varies depending on the specific Takaful provider | Etiqa is a well-established insurance company with a good reputation |
Alignment with Preferences | Appeals to individuals preferring Islamic finance principles | Appeals to individuals seeking conventional insurance |
Takaful Motorcycle Insurance:
Pros:
Cons:
Etiqa Motorcycle Insurance:
Pros:
Cons:
For Sharia-compliant peace of mind and unique coverage like pilgrimage trips, choose Takaful, even if premiums might be higher. If wider coverage options, potentially lower costs, and fast claim settlement are your priorities, Etiqa could be the fit, despite it not being Sharia-compliant.
Website:
Etiqa+ app:
Etiqa Motorcycle Insurance offers comprehensive coverage options and is a viable choice for bike owners in Malaysia. However, potential customers should be aware of the criticisms regarding the claim process and customer service.
Conventional insurance is based on a risk-pooling model, while Takaful operates on Islamic principles of shared responsibility and mutual cooperation.
Etiqa offers conventional and Takaful plans. Conventional plans include Third Party and Comprehensive, while Takaful offers a Comprehensive Takaful plan.
Yes, Etiqa offers various add-ons like personal accident coverage for passengers, medical expenses coverage, and more.
Coverage varies depending on your chosen plan. Typically, it includes third-party liabilities, medical expenses, personal accident coverage, towing assistance, and repair costs for your motorcycle (for comprehensive plans).
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