QUOTE(ayamxxx @ Oct 18 2025, 10:43 AM)
The difference for HIP vs normal Etiqa from website are just the betterment coverage only above 5 years. Unless consistent accident annually after 5 years, then only worth to take HIP.
For me I rather save more on renewal with Etiqa from website, cut 10% more. Just add windscreen and flood coverage if in KL
HIP does provide additional coverage as a std package, which if you go for normal insurance, you might need to subscribe as additional coverage. i.e key coverage due to lost. there are a few more but i cant remember.For me I rather save more on renewal with Etiqa from website, cut 10% more. Just add windscreen and flood coverage if in KL
Oct 21 2025, 11:39 AM

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