{"id":44718,"date":"2023-12-29T17:51:25","date_gmt":"2023-12-29T09:51:25","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44718"},"modified":"2025-11-05T17:12:20","modified_gmt":"2025-11-05T09:12:20","slug":"takaful-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/takaful-car-insurance","title":{"rendered":"Differences Between Conventional And Takaful Car Insurance"},"content":{"rendered":"\n<p>Insurance products in Malaysia are chiefly divided into two types \u2014 takaful and conventional. One of the main reasons insurers are required to offer two variations of insurance products is because the large majority of Malaysia&#8217;s population are Muslims who prefer financial products that comply with Islamic principles. <\/p>\n\n\n\n<p>Malaysia is one of the pioneers in Islamic finance and the Takaful Act was enacted as early as 1984. Telling a takaful and conventional insurance apart can be difficult for a lot of people, especially non-Muslims. Hence, we have laid out the differences between the two types to help strengthen your understanding. Read on to find out what they are.<\/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-69d7679fcd239\" 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-69d7679fcd239\"><\/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\/takaful-car-insurance\/#Features_of_takaful\" title=\"Features of takaful\">Features of 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\/takaful-car-insurance\/#Takaful_vs_Conventional_Insurance\" title=\"Takaful vs Conventional Insurance\">Takaful vs Conventional Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/takaful-car-insurance\/#Which_is_better\" title=\"Which is better?\">Which is better?<\/a><\/li><\/ul><\/nav><\/div>\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>Takaful is a Sharia-compliant insurance product that operates on the basis of Islamic principles. Here are some of the key features of a takaful policy. <\/p>\n\n\n\n<p><strong>Mutual risk-sharing<\/strong> &#8211; promotes the concept of mutual cooperation and risk-sharing among participants instead of transfer of risk.<\/p>\n\n\n\n<p><strong>No claim bonus<\/strong> &#8211; receive a cash rebate from their takaful company (of at least 10%) if no claims are made during the period of their policy.<\/p>\n\n\n\n<p><strong>Shariah-compliant<\/strong> &#8211; adheres to Shariah law and is free from Riba\u2019 (interest), Maysir (gambling) and Gharar (uncertainty).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Takaful_vs_Conventional_Insurance\"><\/span>Takaful vs Conventional Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/ultimate-guide-to-etiqa-takaful-insurance-in-malaysia\/\">Takaful car insurance<\/a> and conventional insurance policies have a lot of differences from one another although they may offer similar coverage options. The differences between the two can be seen in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Takaful<\/strong><\/td><td><strong>Conventional Insurance<\/strong><\/td><\/tr><tr><td>Based on mutual cooperation<\/td><td>Based on commercial factors<\/td><\/tr><tr><td>Subject to Shariah laws and government laws<\/td><td>Subject to government laws only<\/td><\/tr><tr><td>Free from Riba&#8217; (interest), Gharar (uncertainty) and Maysir (gambling)<\/td><td>May contain elements of interest, uncertainty and gambling<\/td><\/tr><tr><td>Risks are shared and distributed among takaful participants<\/td><td>Risks are transferred from the individual to the conventional insurance provider<\/td><\/tr><tr><td>Takaful plan holder and shareholder&#8217;s capital can only be invested in Shariah-compliant investment funds<\/td><td>Capital of the premium for conventional insurance is invested in funds that are not necessarily Shariah-compliant<\/td><\/tr><\/tbody><\/table><figcaption>Differences between takaful and conventional insurance<\/figcaption><\/figure>\n\n\n\n<p>Despite the differences, both takaful and conventional <a href=\"https:\/\/bjak.my\/en\">car insurance<\/a> offer the same protection for mishaps. For both policies, the policyholder must have a legitimate financial interest in the risk which means that they must suffer a financial loss when the insured event (accident, theft, etc.) occurs.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Which_is_better\"><\/span>Which is better?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There&#8217;s no one-size-fits-all answer to whether takaful or conventional insurance is better because it really depends on the needs, values, and financial goals of a person. However, some studies have shown that Takaful has significant impacts on economic growth through savings, investment, and income. <\/p>\n\n\n\n<p>Takaful products are ideal if you are a Muslim and prefer purchasing a product that adheres to Sharia principles. Since mutual cooperation is the underlying concept of takaful, a pooled fund provides mutual financial aid for everyone. It is also beneficial to consider a <a href=\"https:\/\/bjak.my\/blog\/ultimate-guide-to-etiqa-takaful-insurance-in-malaysia\/\">motor takaful<\/a> policy because of the risk-sharing element in it as opposed to a conventional policy.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Visit Bjak today to get your free insurance quote!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=takaful-car-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/vehicle-insurance-terms\/\">7 Vehicle Insurance Terms You Should Know<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/transfer-car-ncd\/\">How To Transfer No Claim Discount (NCD)?<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/insurance-claim-documents-2\/\">Names Of Insurance Claim Documents In English &amp; Malay<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Learn the key differences between takaful car insurance and conventional insurance.<\/p>\n","protected":false},"author":19,"featured_media":44723,"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":[429,59,662,952,203],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Takaful Car Insurance vs Conventional Insurance: How Do They Differ?<\/title>\n<meta name=\"description\" content=\"Learn the key differences between takaful car insurance and conventional insurance as we compare the two side by side.\" \/>\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\/takaful-car-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Takaful Car Insurance vs Conventional Insurance: How Do They Differ?\" \/>\n<meta property=\"og:description\" content=\"Learn the key differences between takaful car insurance and conventional insurance as we compare the two side by side.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/takaful-car-insurance\" \/>\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=\"2023-12-29T09:51:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T09:12:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/FI-EN-12-28-5.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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=\"Siva\" \/>\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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