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 Etiqa Car Insurance, Takaful or conventional?

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SUSrtk74
post Apr 27 2020, 11:26 PM

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QUOTE(MANUTD676767 @ Apr 27 2020, 11:07 PM)
wtf? impossible
*
That means you never had a car older than 20 year old right?

Bersyukur lahh
SUSrtk74
post Apr 27 2020, 11:27 PM

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QUOTE(ahwai @ Apr 27 2020, 11:13 PM)
Old car premium very cheap once accident pay 100x more premium collected from you. Insurance company always lose money covering old cars.

PM 019-3399039 (WhatsApp only) for old cars renewal. I specialise in 3rd party and 20 yr old car insurance.
*
I'll remember to contact you next time, already bought current insurance. Thank God NCD max ady


If I buy new car, can transfer the NCD?
Since I think I'll be disposing the current one I have

This post has been edited by rtk74: Apr 27 2020, 11:28 PM
Legozz
post Apr 27 2020, 11:36 PM

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QUOTE(MANUTD676767 @ Apr 27 2020, 11:07 PM)
wtf? impossible
*
Youngster?
ahwai
post Apr 28 2020, 12:06 AM

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QUOTE(rtk74 @ Apr 27 2020, 11:27 PM)
I'll remember to contact you next time, already bought current insurance. Thank God NCD max ady
If I buy new car, can transfer the NCD?
Since I think I'll be disposing the current one I have
*
Yes NCD is transferable
saigetsu
post Apr 28 2020, 05:34 AM

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QUOTE(skycrawler @ Apr 27 2020, 10:52 PM)
err, 10% rebate is for direct online purchase. If thru agent, agent get that 10%. Its a BNM requirement.
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Im not talking about 10% la deyim talking about additional cash back if no claim.

Read ts question


Nowdays even buy online oso cannot get 10% discount


Buy online direcctly from official website can get 10% discount. Coz everybody wanna hav online agent portal. Msig la agic la amgen la chubb la...

Agent oso wanna cari makan on9
MANUTD676767
post Apr 28 2020, 07:50 AM

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QUOTE(skycrawler @ Apr 27 2020, 11:13 PM)
online usually until 20 years old only bro
*
Just know about this lol sweat.gif

QUOTE(rtk74 @ Apr 27 2020, 11:26 PM)
That means you never had a car older than 20 year old right?

Bersyukur lahh
*
I owned Proton Iswara 93 and 2004 car. doh.gif But that proton usually someone help me renewed annually

QUOTE(Legozz @ Apr 27 2020, 11:36 PM)
Youngster?
*
whistling.gif
skycrawler
post Apr 28 2020, 11:26 PM

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QUOTE(saigetsu @ Apr 28 2020, 05:34 AM)
Im not talking about 10% la deyim talking about additional cash back if no claim.

Read ts question
Nowdays even buy online oso cannot get 10% discount
Buy online direcctly from official website can get 10% discount. Coz everybody wanna hav online agent portal. Msig la agic la amgen la chubb la...

Agent oso wanna cari makan on9
*
oh additional cashback we call surplus tongue.gif
skycrawler
post Apr 28 2020, 11:27 PM

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QUOTE(saigetsu @ Apr 28 2020, 05:34 AM)
Nowdays even buy online oso cannot get 10% discount
Buy online direcctly from official website can get 10% discount. Coz everybody wanna hav online agent portal. Msig la agic la amgen la chubb la...

Agent oso wanna cari makan on9
*
Kena pandai cari direct la bro cool2.gif
csting87
post Jan 25 2021, 03:00 PM

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every insurance company the premium is fluctuate from time to time. however renew online mean every thing is DIY (do it yourself). if you want easy renewal, please feel free to pm me for details.
ketupatpalas
post Mar 11 2021, 09:43 PM

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Sorry out of topic. Etiqa takaful memang don't put additional drivers name on it's ecert meh? Already asked the customer service chat they say don't have such thing. So weird. First time using etiqa.

This post has been edited by ketupatpalas: Mar 11 2021, 09:44 PM
Silfer
post Mar 11 2021, 11:54 PM

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QUOTE(ketupatpalas @ Mar 11 2021, 09:43 PM)
Sorry out of topic. Etiqa takaful memang don't put additional drivers name on it's ecert meh? Already asked the customer service chat they say don't have such thing. So weird. First time using etiqa.
*
yeah i noticed that too when i renew today. at website said "All authorised drivers automatically covered".

plouffle0789
post Nov 12 2021, 10:21 AM

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QUOTE(unknown_2 @ Apr 27 2020, 10:33 PM)
all the car insurance company also provide 10% additional discount if u self renew on9.
if u use 3rd party agent for u, that 10% bcoms their fees.
*
How is the terms & conditions for Etiqa car insurance with the


"drive less, save more" ?


Do you know?

This post has been edited by plouffle0789: Nov 12 2021, 10:21 AM
plouffle0789
post Nov 12 2021, 10:22 AM

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QUOTE(csting87 @ Jan 25 2021, 03:00 PM)
every insurance company the premium is fluctuate from time to time. however renew online mean every thing is DIY (do it yourself). if you want easy renewal, please feel free to pm me for details.
*
How is the terms & conditions for Etiqa car insurance with the "drive less, save more" ?


Do you know?
plouffle0789
post Nov 12 2021, 10:23 AM

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QUOTE(ahwai @ Apr 27 2020, 11:13 PM)
Old car premium very cheap once accident pay 100x more premium collected from you. Insurance company always lose money covering old cars.

PM 019-3399039 (WhatsApp only) for old cars renewal. I specialise in 3rd party and 20 yr old car insurance.
*
What insurance company you have??

How much for wira 1.5 auto 2005 year?

moodswingfella
post Nov 12 2021, 10:45 AM

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QUOTE(Yayeyiyoyu @ Apr 27 2020, 11:01 PM)
ya, but i'm curious if the "surplus" has anything to do with NCB.  Are they the same? cuz you know how takaful products got their own specific financial terms to differentiate themselves from conventional products.

or is it like what was mentioned earlier "profit sharing", as in if the Etiqa Takaful make money, then i get some?
*
Its a rebate. U got the chance to earn the rebate if :-

U never made any claim for the whole insurance period
If the takaful company earns profit
If ur car is not a company registered vehicle

Keywords "chances" to win rebate. Kalau u layak dapat rebate, idk how many % u dapat lah. But my experience, couple of years ago I dapat dalam rm8 mcm tu lah. My ncd was 55%


QUOTE(ketupatpalas @ Mar 11 2021, 09:43 PM)
Sorry out of topic. Etiqa takaful memang don't put additional drivers name on it's ecert meh? Already asked the customer service chat they say don't have such thing. So weird. First time using etiqa.
*
Ya, mine also dun have write any additional drivers name.

This post has been edited by moodswingfella: Nov 12 2021, 10:56 AM
unknown_2
post Nov 12 2021, 10:59 AM

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QUOTE(plouffle0789 @ Nov 12 2021, 10:21 AM)
How is the terms & conditions for Etiqa car insurance with the
"drive less, save more" ?
Do you know?
*
nowadays some car insurance hav incentive for u to drive less or more carefully.
ie, some car insurance required u to install their tracking device with gyro.
it knows when u speeding, cornering at high speed.
& will deduct your discount based on how careful u drive.

some car insurance, will giv u extra discount if your mileage dont go over x KM
frequency
post Nov 12 2021, 11:02 AM

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ehh so it is cheaper directly renew from their site rather than agent like MyEG right?
accitzone
post Nov 12 2021, 11:02 AM

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QUOTE(Yayeyiyoyu @ Apr 27 2020, 10:29 PM)
Gonna be renewing my car insurance soon...compared some companies, it seemed like Etiqa macam not bad eh
From Etiqa website, Takaful as "Cash back when you make no claims". How is this different from conventional NCB?

user posted image
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U get cash rm into your bank account. Around 0.1% upon no claims during your insured period. Takaful invest the money and gives u hibah from the investment if no claim.

NCD as usual.
Autocountstick
post Nov 12 2021, 11:02 AM

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7years i use Etiqa never claim before, just received accumulated RM50 over the years. lol
max_cavalera
post Nov 12 2021, 11:03 AM

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Etiqa among the best and most reliable car insurer.

Easy to renew too. Either u call their CS hotline or direct go to their renewal website.

Even ur car broke down anytime can call their emergency hotline for free towing service.

Most workshop when u mentioned etiqa as ur insurer will gladly accept your car for fixing.

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