Question 1

What insurance products does Etiqa offer in Malaysia (2026)?

Accepted Answer

Etiqa (owned by Maybank) offers both conventional insurance and Shariah-compliant takaful across all major categories: (1) Motor — car and motorcycle insurance/takaful; (2) Travel — Etiqa 360 Travel Takaful, single trip from RM15; (3) Medical/health — hospital and surgical takaful from RM42/month; (4) Life/family takaful; (5) Personal accident; (6) Home/fire; (7) Business/SME insurance. Etiqa is Malaysia's largest insurance group by total premiums.

Question 2

How do I renew Etiqa motor insurance online?

Accepted Answer

You can renew Etiqa motor insurance at: (1) etiqa.com.my — direct renewal portal; (2) Shopee Insurance — often has extra discounts and cashback; (3) Licensed comparison portals (Loanstreet, iMoney, RinggitPlus). Have your IC number, vehicle registration, and previous policy number ready. Renewal takes about 5 minutes online. Road tax can be renewed simultaneously via JPJ integration.

Question 3

What is the difference between Etiqa Insurance and Etiqa Takaful?

Accepted Answer

Etiqa Insurance Berhad is a conventional insurance company. Etiqa General Takaful Berhad is the Shariah-compliant (Islamic) arm. Both offer similar products (motor, travel, medical) but differ structurally: Takaful uses a mutual pool (tabarru') where surplus is shared back to participants. For most consumers, coverage quality and claims service are equivalent — the choice comes down to religious preference. Both are regulated by Bank Negara Malaysia.

Question 4

Is Etiqa insurance cheaper than other companies?

Accepted Answer

Etiqa is generally competitively priced — not always the cheapest but strong on value-for-money with good claims service. For motor insurance, the tariff rate (for comprehensive) is set by Bank Negara Malaysia (detariffed since July 2017), so premiums vary. Etiqa often offers bundled benefits like free roadside assistance and PA coverage. For travel insurance, Etiqa 360 is one of the most competitively priced in Malaysia. Compare via Shopee Insurance for best deals.

Question 5

How do I make a claim with Etiqa?

Accepted Answer

Etiqa claims: (1) Motor claims — go to any authorised Etiqa panel workshop or call 1300-13-8888; (2) Travel claims — submit via etiqa.com.my/claims within 30 days of return; (3) Medical claims — show your medical card at panel hospitals for cashless admission; (4) PA claims — call Etiqa customer service. For motor, own-damage claims without a police report: bring the car to a panel workshop with your policy details. Emergency roadside assistance: 1800-88-1212.

Product	Price	Type	Coverage
Motor Insurance (Comprehensive)Popular	From RM380/year	Both	Cover for your car — own damage, TPBI, TPPD, windscreen
Motor Insurance (3rd Party)	From RM130/year	Both	Mandatory minimum — TPBI and TPPD only
Motorcycle Insurance	From RM100/year	Both	Comprehensive or 3rd party for motorcycles
Travel Insurance (Single)	From RM15/trip	Etiqa 360	Medical, trip cancellation, baggage loss
Travel Insurance (Annual)	From RM150/year	Etiqa 360	Unlimited trips for frequent travellers
Medical Card / Health	From RM42/month	Takaful	Hospitalisation, surgical, specialist cashless
Personal Accident	From RM15/month	Both	Accidental death, disability, medical expenses
Home Insurance	From RM80/year	Both	Fire, flood, theft for houseowner/householder
E-Hailing Add-on	From RM80/year	Both	Rider for Grab, InDriver, Lalamove drivers

Insurer	Motor (comp.)	Travel	Medical	Strength
Etiqa	RM380+	RM15+	RM42/mo	Largest, takaful + conventional
Allianz	RM350+	RM18+	RM50/mo	Global brand, strong claims
Kurnia	RM340+	RM20+	RM45/mo	Competitive motor pricing
Tokio Marine	RM370+	RM22+	RM55/mo	Strong SME coverage
AIA	N/A	RM20+	RM65/mo	Best CI riders, life focus

Monthly	10 yrs	20 yrs	30 yrs
RM300/mo	RM61k	RM228k	RM678k
RM500/mo	RM102k	RM380k	RM1.13M
RM531/mo	RM109k	RM404k	RM1.2M

Etiqa Insurance Malaysia 2026

Etiqa Insurance Products 2026

Etiqa vs Other Malaysian Insurers

Frequently Asked Questions

RM500/Month for 30 Years = RM1.13M — via S&P 500 at 10% p.a.

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