Etiqa Car Insurance Review 2026
Etiqa is Malaysia's largest online insurance provider, known for competitive premiums, excellent digital self-service, and extensive takaful options for Muslim drivers.
Get Etiqa Quote on WhatsAppWhat's Great
- Most affordable premiums among tier-1 insurers in Malaysia
- Fully digital experience — buy, renew, and claim online without visiting an agent
- Strong takaful motor plans for Shariah-compliant coverage
- Maybank integration — easy payment via Maybank2u and Maybank cards
- Etiqa Smile mobile app for real-time claims tracking
- Free personal accident cover included with comprehensive plans
What Could Be Better
- Panel workshop network (~300) smaller than Allianz (~500)
- Windscreen cover limit lower (RM 1,000 standard vs RM 2,000 at Allianz)
- Roadside assistance not as comprehensive as Allianz Road Rangers
- Claims approval slightly slower (24-48 hours vs Allianz's 24 hours)
Overall Rating
About Etiqa Malaysia
Etiqa is the insurance and takaful arm of Maybank Group, one of Malaysia's largest financial institutions. They serve over 4 million customers and are the market leader in online motor insurance. Etiqa's 'Etiqa Online' platform lets you buy, renew, and manage your policy entirely online — no agent visit needed. Their takaful motor plans are among the most popular in Malaysia, offering Shariah-compliant coverage through the general takaful model. Etiqa's pricing is consistently among the most competitive, making them a top choice for budget-conscious drivers. Their claims process is fully digital — submit photos via their app and track progress in real-time.
Coverage Plans & Pricing
Estimated annual premiums for a standard 1,500cc sedan with 38% NCD. Final quotes may vary.
Etiqa Comprehensive
Full motor protection with digital claims and free personal accident cover
- Own damage repair
- Theft & fire protection
- Third-party liability
- Flood cover (optional add-on)
- Windscreen up to RM 1,000
- Free personal accident (driver + passengers)
- 24/7 roadside assistance
- Etiqa Smile digital claims
Etiqa Third Party Fire & Theft
Affordable mid-tier coverage with digital convenience
- Third-party liability
- Fire & theft of own vehicle
- Personal accident cover
Etiqa Takaful Motor
Shariah-compliant motor takaful based on tabarru' (mutual contribution)
- Shariah-compliant coverage
- Tabarru' mutual protection
- Surplus sharing (if applicable)
- All comprehensive benefits
- Windscreen cover included
Available Add-ons
Optional extras you can add to your Etiqa comprehensive plan.
Windscreen Coverage
RM 70 – 110/yrCovers windscreen repair or replacement up to RM 1,000 without NCD impact
Flood / Special Perils
RM 70 – 100/yrCovers flood, landslide, storm, and natural disaster damage
All Drivers Cover
RM 50 – 70/yrExtends coverage to any driver aged 21+, licensed for 2+ years
Passenger Liability
RM 30 – 45/yrLegal liability coverage for passenger injuries
E-hailing Add-on
RM 300 – 600/yrExtends comprehensive coverage for Grab, MyCar, and other e-hailing use
Towing & Roadside
RM 30 – 50/yrFree towing up to 80km per incident, 24/7 roadside assistance
Panel Workshops
Etiqa has approximately 300 panel workshops across Malaysia, concentrated in urban areas. Their workshop network covers all major cities but is sparser in rural areas compared to Allianz. Etiqa's 'Etiqa Preferred Workshop' programme offers guaranteed quality and genuine parts at selected top-tier workshops in Klang Valley, Penang, and Johor.
Etiqa Claims Process
- 1File your claim through the Etiqa Smile mobile app or call the 24/7 hotline at 1-300-13-8888
- 2Upload photos of the damage directly through the app
- 3Receive digital claim acknowledgment within 1 hour
- 4Claim assessment completed within 24-48 hours for straightforward cases
- 5Choose a panel workshop or your preferred repairer
- 6Track claim status and payment in real-time through the app
Most straightforward claims assessed within 24-48 hours. Digital claims via the app are typically faster than phone claims.
Best For
- Budget-conscious drivers
- Maybank customers (easy payment integration)
- Muslim drivers wanting takaful
- Tech-savvy users who prefer digital self-service
- Grab & e-hailing drivers (add-on available)
Not Ideal For
- Drivers in rural areas (limited workshop network)
- Those wanting the fastest claims (Allianz faster)
- Drivers wanting maximum windscreen cover (limit is lower)
FAQ
Is Etiqa insurance cheaper than other insurers?
What is Etiqa Takaful and how is it different?
Can I renew my Etiqa insurance online?
Does Etiqa cover e-hailing drivers?
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