Definitely is cheaper because you get 10% direct rebate from motor takaful.

Oh ok ok..so within 5 to 10 years period, then is important to buy from franchise instead.
Just wondering if Toyota, I need to check back with my Toyota sales agent?

It depends, because bringing your car back to franchise for an accident claim takes a much longer time than panel workshops.

I see..thanks Bryan!

Not because of the 10% rebate since all the company I mentioned offered the 10% rebate online except Allianz.

All the quotations basically have diffferent price for the basic premium before any deduction was done.

Now the motor insurance market is facing detariffcation hence the premium rates are different across the range. It really depends what car you currently owned. Lets just say I have a customer who has a Honda Civic 1.5 TC, Lonpac rates the car at the same rate as Kurnia but MPI Generali and Etiqa is on the higher side.

Nowadays agent cant calculate based on sum insured and cubic capacity, it all depends on the insurance company system.

Hope this explains your enquiry.

*AXA is currently still based on tariff rates.

Not really, i brought back my car to TC for accident claim. The approval is faster because they have all the details already.
Plus can get TC original spare parts.

You may need to compare the insurance in terms of what they are offering eg:
1) Allianz - Agreed Value instead of Sum Insured ( that's why no 10% discount)
2) Tokio Marine - Compensation For Assessed Repair Time (CART) is included with no additional charge
3) Towing Service (distance):
Kurnia -FREE within a 50km radius (30km for Sabah & Sarawak), with RM2.00 charged per additional km.
Allianz - Free Towing Up To RM200
AXA - Free Towing Up To RM200
Takaful - Free up to 50KM, with RM2.00 charged per additional km.
4) Warranty -
AXA 6-months repair warranty
5) Roadside Assistance (including minor repair like jump start, change flat tyre) - most insurers offer 24 hours service except Zurich (9AM-6PM)

now insurance company has different premium. I just wondering about sum-insured, the agent told me said no point put sum insured very high as the company will follow market value. I thought it should be agreed value rather than market value. hope any expert can clarify this

Some company put maximum value of sum insured that we can put. last year i took honda insurance package their total price 10% higher than normal online insurance. but this year i'm not really sure

This post has been edited by cenkudu: Oct 18 2017, 07:22 PM

the comparison is under same condition/service for the company mentioned?
if yes, then I will go for takaful

Yes, you can try get the quote from Takaful and compare with others.

For me, Takaful is the cheapest and is even cheaper if u take account the rebate 15% if no claim done.

account the rebate 15% if no claim done

you mean if my quoted fees is rm500, then I pay online get 10% discount = -rm50. if I don't have any claim then I will get back 15% = rm75?
mean my insurance = rm375? tq

yes u will get the 15% few months after ur insurance expired
directly bank in into ur bank account

wa. so my calculation is correct?
that's is good and I will shift to takaful for the coming insurance

I've tried Etiqa Takaful Car online insurance. It is good and cheap. 10% discount after NCD. I got some refund when I don't claim any insurance every year.

When I caught an accident, I get full claim with no problem. Heard the workshop staff said their adjustor also quite flexible. So, will continue with it.

may I know it is Etiqah Takaful, or Takaful Malaysia, or Takaful maybank?

any sifu can give me the webpage link?

tq

hi, may I know which link I should use?

https://www.motortakaful.com/getonline/SMTt...MT7wjz6pSZphJn/

https://www.etiqa.com.my/getonline/SMinsura...MT7wjz6pSZphJn/

thanks!

correct.

and franchise benefits always better than market plan - such as up to 10 years no charge on betterman, no excess, no loading

It is Takaful Malaysia. You can just google Takaful Malaysia for its website.

Sorry for nob question.. is Etiqa, motortakaful, takaful malaysia different company or they are the same??