Etiqa Car Insurance, Takaful or conventional?
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 Apr 27 2020, 10:40 PM
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#1
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Senior Member
707 posts Joined: Feb 2010  
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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. This is wrong. The profit distribution is on top of 10% rebate for direct online purchase.if u use 3rd party agent for u, that 10% bcoms their fees.  |
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Apr 28 2020, 05:34 AM
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#2
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Senior Member
707 posts Joined: Feb 2010
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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. 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 |
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Jul 5 2023, 12:46 PM
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#3
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Senior Member
707 posts Joined: Feb 2010
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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 takaful is special comapred to conventional.From Etiqa website, Takaful as "Cash back when you make no claims". How is this different from conventional NCB?  NCB: takaful and conventional have these. cash back if no claim: takaful only. takaful business is based on pool of risk where the company act as an operator. operator already took a portion of your contribution (the payment u made) to manage the pool of risk. If in the end of the period, you pool has less claim and make surplus (operator may use the money to invest) they will return back to participants loh (those didnt make any claim) for conventional, all the money u paid, belong to company. thats it. |
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