Introduction
Many drivers often wonder — should I choose BJAK Takaful and Conventional insurance? Both offer comprehensive coverage, but their principles and operations differ. With BJAK, you can easily see the key differences between the two types of insurance on one platform, without confusion or the need for an agent.
Differences Between Takaful and Conventional Insurance
| Aspect | Takaful | Conventional |
|---|---|---|
| Basic Concept | Based on mutual assistance and shared risk | Based on a contract between customer and insurer |
| Protection Fund | Participants contribute to a shared fund | Premium fully managed by the company |
| Surplus / Profit | Shared with participants | Belongs to the company |
| Shariah Compliance | Yes | No |
| BJAK Partners | Takaful Malaysia, Ikhlas, Zurich | Liberty, Allianz, MSIG, RHB |
Key Factors to Consider
- Budget & Premium Rates – Takaful is generally more stable with potential surplus returns.
- Coverage Type – Choose a plan that matches your car’s value and driving habits.
- Policy Terms – Understand important clauses like claim types and coverage limits.
- Personal Values – If Shariah compliance matters to you, Takaful is the right choice.
Why Use BJAK to Compare Plans
BJAK saves time by showing side-by-side comparisons between Takaful and conventional insurers. You can check prices, view extra benefits, and purchase your policy instantly — all within a few clicks. No hidden fees, and your coverage activates immediately after payment.
Conclusion
Choosing between BJAK Takaful and Conventional insurance is no longer complicated. With clear comparisons and transparent information, you can make a smarter decision — whether you prefer Shariah-compliant coverage or flexible conventional protection. BJAK ensures the process is quick, transparent, and easy.
Read More:
Benefits of Buying Car Insurance From BJAK vs External Agents
