Introduction
Whenever damage or an accident occurs, vehicle owners initiate an insurance claim. However, many are unaware that claims processing time: Takaful vs Conventional can differ due to varying procedures and approval requirements. This article compares both types of insurance and provides guidance on how to ensure your claim proceeds smoothly without delays.
1. Differences Between Takaful and Conventional Claims Process
Takaful
- Focuses on Shariah principles, documentation, and risk-sharing approvals.
- Simple claims can usually be completed in 2–5 working days if documents are complete and no assessment issues arise.
- Some Takaful policies require board or panel adjuster approval, depending on the type of damage.
Conventional
- Generally more flexible, but depends on panel adjusters and internal company procedures.
- Moderate claims usually take 3–7 working days.
- Major accidents or third-party claims may take longer due to negotiations and additional estimation requirements.
Tip: Always prepare complete documents and ensure the workshop submits reports on time to speed up the claim.
2. Factors That Can Delay Claims
Several factors can affect claims processing time, including:
- Incomplete documents — police reports, invoices, photos of damage.
- Slow panel adjuster approval — especially for complex damage.
- Policy differences — Takaful and Conventional have different requirements.
- Workshop delays — late submission of reports or starting repair before approval.
Understanding these factors helps customers plan ahead and avoid delays.
3. Tips to Speed Up Claims
Check Policy & Coverage Limits
- Know your eligible CART days or approval timeline.
Complete All Documents
- Police report copies, photos of damage, workshop estimates, and invoices.
Use Efficient Panel Workshops
- Panel workshops generally submit reports faster to the insurer.
Follow-Up Regularly
- Contact both the workshop and insurer to check claim status.
Leverage Digital Platforms
- Platforms like BJAK provide policy references, digital documents, and step-by-step claim guidance.
Conclusion
Claims processing time varies between Takaful and Conventional due to procedures, approval requirements, and policy type. By understanding claims processing time: Takaful vs Conventional, preparing complete documents, and utilizing panel workshops or digital platforms like BJAK, customers can ensure their claims are processed faster and more smoothly.
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