My car insurance renew recently. For Drive Less Save More, normally i get RM 5-6++ weekly. The last payment made was on 22/10/24, on 24/10/24, i receive two additional payment of RM 0.49 and RM 0.88.

Either my insurer is broken or they are trolling me?

Whad u think?

Fir the mileage given, I'm not qualified or the scheme.

Is this Islamic insurance type? That is probably part of profit sharing.

no drive
no need buy
save 100%
lel

Got such benefits??

I bought conventional. Both car insurance got drive less and save for benefit.

Good shit is worth sharing with others > learn more here bah: https://forum.lowyat.net/topic/5422879

I have been using DLSM since a year ago, I never got any extra payment.

You mean they did 3 separate transactions in total your bank account? No, never happened. Always the amount they bank in is exact to RM0.01 difference due to rounding.

Yes 3 separate transactions in my bank account.

See pichar

Call ask insurer la, bukake tered topkek

buy car and not driving it more. Can't brain

house and work just 10 mins, jam means 20 mins. Makan, grocery everything also so nearby... you are right buy car, really dont drive much. 2 year car but less than 30K km. Only problem my area, no train station, so howlar, if want to go to work and buy grocery. Also, 2 weeks pump petrol once.

ave 15k mileage per year is normal ler. not exactly light usage.

Mine rebate still giving around rm3.xx-4.xx

hey yes leh. I also notice. the duration to submit is min 10 days. when i submit in 10 days, payback is rm2.9. i submit in 1 month ecxpecting maybe rm9, but payback is also rm2.9. like huh?

Capitalism means CEO set the rate. Just follow until you find something better.

Come I can help u I am agent also…

thanks for remind me to renew my roadtax and insurance

If buy insurance and leave the car parked in the garage for a year, can get a 100% rebate?

I'm actually not sure how the cashback is calculated. eg for the first 9 months, you are getting 10% (lowest tier) for every submissions. For the 10th month, you did 3 submissions (10 days between submission) on the 10th / 20th/30th of the month, your average daily usage is < 10 km for each of the 3 submissions.

- Which cashback tier would you get? 10% or 30%, or probably 20%?
- does it just take into consideration the mileage utilized within that 10 days only, or average daily mileage since the first day of the policy or 1st day of DLSM activation?

max 30%

Does Etiqa offer this feature?

mine 2-3 but think not weekly 7days next submit if i submit on 8th day have to wait processing few day, after successful repeat.. minus processing 1mth can submit 3times, let say mine is RM2 x 3 RM6 per week, annual RM72, annual insurance about 1K , about another 1% discount

just now i use Etiqa app to renew and compared to the etiqa website price, at the same protection amount and same add-on, the etiqa website premium is >30% higher than the etiqa app. crazy.

Lol weekly?

Every few month I submit, prolly get about 20 to 50 bucks depending on how much was driven.

Yea they do, but I have swith my other car to different insurer which gives ncd relief benefit which means, even if I claim my insurance, my ncd remains the same

I just submit every few mths or when I remember to do it
and maybe last submit few days before expiry
got like 20% rebate for last year, which is nice

Sorry if this sounds stupid. But how do they measure the mileage to know if your car is being driven less and qualifies for the rebate?

U take a photo of ur odometer and front of ur car, then every next few submission, u also submit the same way.

Not really

Good questions. I'm wondering the same things. Haven't gotten down to asking, the etiqa online got agent one ke..gotta find out

Weekly i get between RM 5-7, let's say average of RM 6. So about RM 30 bucks a month.

The thing is, my insurance expired on 20 Oct, why are they still paying those few sen to me on 22nd?

Renew through Etiqa App, Etiqa website and even through Maybank2u, the price is the same. If i am not mistaken however, you get additional 10% discount but if you do it with other portals like Bjak, you might not get that discount.

Got it since after MCO. First year get 30%. But recently 10% only on average. Still gooding as I theoretically pay RM500 for my car insurance after NCD and the DLSM rebate

its in their FAQ

https://www.etiqa.com.my/v2/OgImage/1466373953008

But but..i submit 10 days rebate 2.90..submit in 1 mth they also just give 2.9

If I submit 3 times of 10 days is 2.9x3

wta when I renew car insurance on Etiqa app earlier this year I just took the basic plan with no unlimited towing. Now I have to make a long distance trip soon is there a way I can get the unlimited towing???

etiqa company?

How do we check historical submission records? I can't seem to find it on the app.

Hi All,

I keep getting 'invalid bank account' error for my DLSM. I have checked with Etiqa twice and they told me my bank details were correct. Their customer service told me this error occurs because they have not processed my rebate. I dont think this makes sense.

It has been 7 days since my submission and I have not received anything from them. Anyone experience similar situation?

This is my second year with Etiqa, haven't encountered such problem. If Etiqa isn't the problem, then perhaps the recipient bank? PErhaps check with your bank and see why the transaction didn't go through.

After 8 months, I submitted my DLSM and got RM88. Okla, can fill up petrol.

gais...i tried to submit today but my DLSM already disappear from my car policy... errmm... my car just renewed early Nov....the policy...then i managed to submit twice i think....then i saw the button can submit but i delay...then today when want to submit ...cannot find the DLSM feature anymore... even when i click on DLSM in app...and my car policy...shows no transaction...anyone got this issue?

DLSM is under maintenance. Pls check notice.

Should be back in service on 2 Jan 25.

Ya same waited so long for reply even update acc till 2weeks also nothing happen but other car can get rebate within 2 days submission

i suspected could be maintenance and try looking for notice but i cannot search...do you know usually where they posted it?
thanks!

I am using Etiqa app. I first saw the notice there. I think the App is down for maintenance as well. Cant show you the info.

Suspect u are doing the ads tered here

lol...me never get...submit jeh..

This type of insurance no point for thsoe who clock 15k above.

Not quite true, i did a comparison before buying my car insurance. Basic + peril for my car was still cheaper (or rank 2-3rd) than other insurers. Cause i drive less also, DLSM is big advantage.

You give me commission/referral is it?

The policy you quoted after 15k km no discount so x phm how can be cheaper? When it comes to car insurance I don't care for cheaper but more on delivery and execution

This post has been edited by lordgamer3: Jan 2 2025, 08:45 PM

u can't have your cake and eat it toolar.

Without DLSM (if more than 15K Km), i feellar, don't know about the rest, still cheap especially you buy the insurance online via etiqa or M2U. Get another 10% discount. (example: https://etiqa.com.my/getonline/en/BancaMIQQ1 ).

Delivery and execution? Your car break down or accident a lot is it?

My previous car never use the dlsm and yes breakdown towing kena accident few times what not. Etiqa is a good car insurer but mileage program not for me.

What if I parked my car for 6 months then submit claim DLSM. Then the next 6 month I push the mileage to more than 15000km and no longer submit the DLSM. Will I need to return the rebate?

Hi, is the dlsm thing still not showing?

Initially I had this issue with ios but it worked somewhere in January 2025. For android it is still not showing after so long and the customer service reply is so slow.

Doesn't work like that.

They look at the start what is your mileage and the compare with their tiering (example if you say you park your car for 6 months and never move it, then you can get tier 1 (0-14km per day and your daily cashback is 0.082%).

Subsequent month you dont submit DLSM then you lose out on the rebate for subsequent month only, you dont need to return rebate for the earlier months that you submitted.

Showing but the app a bit buggy sometimes, just yesterday tried to submit DLSM, it cannot go through right at the end, suppose to tick T&C I agree bla bla... .

Anyway, make sure you update your app, if you are experiencing frequent issues, just uninstall and install again.

i claimed after 6 months. but money never comes in... then that day before renew... i check.. they say my bank number is wrong... thats why cant credit to me.. then i ask what is the bank number shown.. then he say 0168xxxx... ??? then now i renew insurance dy but money never come in also.

That sounds quite serious, did you provide incorrect bank number or they are at fault? I suggest you lodge a complaint with Etiqa and ask them to resolve. If they don't give you a satisfactory answer, please escalate to BNM. Something doesn't sound right here.

Example RM1000 takaful:

1 - 0km - RM25.42 CB
2 - 0km - RM22.96 CB
3 - 0km - RM25.42 CB
4 - 0km - RM24.60 CB
5 - 0km - RM25.42 CB
6 - 0km - RM24.60 CB
7 - 3000km - RM0 CB
8 - 6000km - RM0 CB
9 - 9000km - RM0 CB
10 - 12000km - RM0 CB
11 - 15000km - RM0 CB
12 - 18000km - RM0 CB

Total CB - RM148.42 (~14.8%)

For above scenario, I will still get cashback on the 1st 6 month despite the fact that my annual mileage no longer less than 15000km? Since prior submission, the app remind me cashback not eligible if annual mileage is more than 15,000km

Strangely mine does not show in the app. Click on active policy and it should have right?

I've uninstalled and reinstall but same.

I have the same problem, I don't see the activate button for DLSM

Make sure to buy Etiqa car insurance WITH drive less save more enabled.

After that you need to wait a few days for the button DLSM to appear in app under your policy. It is not immediate.

Did you guys manage to resolve it? I am facing the same issue.