{"id":10037,"date":"2021-11-15T12:17:51","date_gmt":"2021-11-15T04:17:51","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=10037"},"modified":"2025-11-05T18:01:38","modified_gmt":"2025-11-05T10:01:38","slug":"conventional-car-insurance-vs-motor-takaful","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful","title":{"rendered":"Conventional Car Insurance vs Motor Takaful"},"content":{"rendered":"\n<p>You may have come across the saying that both conventional car insurance and motor takaful are similar. It is true that both share the same purpose of providing coverage to their policyholders. However, the difference is that takaful is based on the Islamic principles. But what exactly is takaful? And what are other differences between conventional car insurance and motor takaful?<\/p>\n\n\n\n<p>Read on as we explain the differences between conventional car insurance and motor takaful.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d78021918ce\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d78021918ce\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/#What_is_motor_takaful\" title=\"What is motor takaful?\">What is motor takaful?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/#Features_of_takaful\" title=\"Features of takaful\">Features of takaful<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/#Mutual_risk-sharing\" title=\"Mutual risk-sharing\">Mutual risk-sharing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/#No_claim_bonus\" title=\"No claim bonus\">No claim bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/#Shariah-compliant\" title=\"Shariah-compliant\">Shariah-compliant<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/#Differences_between_takaful_and_conventional_insurance\" title=\"Differences between takaful and conventional insurance\">Differences between takaful and conventional insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/#Can_Muslims_invest_in_conventional_insurance_companies\" title=\"Can Muslims invest in conventional insurance companies?\">Can Muslims invest in conventional insurance companies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/#Should_you_get_conventional_car_insurance_or_motor_takaful\" title=\"Should you get conventional car insurance or motor takaful?\">Should you get conventional car insurance or motor takaful?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_motor_takaful\"><\/span>What is motor takaful?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motor-takaful-definition-features-and-providers-in-malaysia\/\">Motor takaful<\/a> is a car insurance plan that complies with the Shariah (Islamic) law and principles. Compared to conventional car insurance, motor takaful plans are free from prohibited Islamic principles which are Riba\u2019 (interest), Maysir (gambling) and Gharar (uncertainty). <\/p>\n\n\n\n<p>Takaful is an alternative to the existing conventional insurance for Muslim participants, mainly to avoid these prohibited elements. However, non-Muslims, too, can purchase takaful products without any worry.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Features_of_takaful\"><\/span>Features of takaful<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The key features of takaful are risk-sharing, no claim bonus and Shariah-compliant.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Mutual_risk-sharing\"><\/span>Mutual risk-sharing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Takaful promotes the concept of mutual cooperation and risk-sharing among participants. Further, no&nbsp;transfer of&nbsp;risk&nbsp;is involved.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"No_claim_bonus\"><\/span>No claim bonus<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Policyholders are eligible to receive a cash rebate from their takaful company (of at least 10%) if they do not make any claim during the period of their policy.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Shariah-compliant\"><\/span>Shariah-compliant<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Takaful scheme adheres to Shariah law that is without dubious transactions. It also disallows the prohibited elements in Islam which are Riba\u2019 (interest), Maysir (gambling) and Gharar (uncertainty).<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10802\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/attachment\/211112-bjakblog-adilah-takafulvsconventional-b-01-01-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Features of takaful\" class=\"wp-image-10802\" title=\"Features of takaful\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112-BjakBlog-Adilah-TakafulVSConventional-B-01-01-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Differences_between_takaful_and_conventional_insurance\"><\/span>Differences between takaful and conventional insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As we have mentioned earlier, both motor takaful and conventional car insurance&nbsp;share the same purpose of providing insurance coverage to their policyholders. <\/p>\n\n\n\n<p>However, here are major differences between both of them.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10805\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\/attachment\/image-2-en-_-takaful-vs-konvensional-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Image-2-EN-_-Takaful-vs-Konvensional-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"Differences between takaful and conventional Insurance\" class=\"wp-image-10805\" title=\"Differences between takaful and conventional Insurance\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/Image-2-EN-_-Takaful-vs-Konvensional-1.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Can_Muslims_invest_in_conventional_insurance_companies\"><\/span>Can Muslims invest in conventional insurance companies?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Based on the information that we have provided, conventional insurance may have the elements prohibited in Islam which are Riba\u2019 (interest), Maysir (gambling) and Gharar (uncertainty). In contrast, takaful is free from these prohibited elements. <\/p>\n\n\n\n<p>For Muslims, it is obligatory for them to seek what is <em>halal <\/em>and complies with the teaching of Islam.<\/p>\n\n\n\n<p>Further, according to<em> <a href=\"http:\/\/e-muamalat.islam.gov.my\/en\/bahan-ilmiah\/artikel\/148-menyertai-polisi-insurans-konvensional-halal-atau-haram\">Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia<\/a><\/em><a href=\"http:\/\/e-muamalat.islam.gov.my\/en\/bahan-ilmiah\/artikel\/148-menyertai-polisi-insurans-konvensional-halal-atau-haram\"> (MJFK)<\/a>, purchasing conventional insurance products including general and life insurance is not in compliance with the religion of Islam, primarily because they contain the three prohibited elements that we have mentioned earlier.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Should_you_get_conventional_car_insurance_or_motor_takaful\"><\/span>Should you get conventional car insurance or motor takaful?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Based on what we have shared, conventional car insurance and motor takaful share the same purpose of providing coverage to policyholders. Both also offer coverage for policyholders&#8217; vehicles in the event of accidents, fire and theft. However, for Muslims, it is obligatory for them to purchase motor takaful as it is free from the forbidden elements in Islam.<\/p>\n\n\n\n<p>Further, Anas bin Malik narrated that Prophet Muhammad (peace be upon him) said: <em>&#8220;Finding what is halal is an obligation for every Muslim,&#8221;<\/em> narrated by Al-Thabarani with a <em>good sanad<\/em>. <\/p>\n\n\n\n<p>At Bjak, we offer both conventional insurance and takaful for our customers. You can compare across 15 insurance and takaful providers in Malaysia. Simply visit Bjak.my to get your <a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free motor takaful and car insurance quotes<\/a> today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn in this article the differences between conventional car insurance and motor takaful to help you decide on which to buy. <\/p>\n","protected":false},"author":7,"featured_media":10792,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59,662],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Conventional Car Insurance vs Motor Takaful | BJAK<\/title>\n<meta name=\"description\" content=\"Learn in this article the differences between conventional car insurance and motor takaful to help you decide on which to buy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conventional Car Insurance vs Motor Takaful | BJAK\" \/>\n<meta property=\"og:description\" content=\"Learn in this article the differences between conventional car insurance and motor takaful to help you decide on which to buy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/conventional-car-insurance-vs-motor-takaful\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-15T04:17:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T10:01:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/66956.jpg?fit=1600%2C900&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nurul\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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