{"id":50903,"date":"2025-09-10T03:42:03","date_gmt":"2025-09-09T19:42:03","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=50903"},"modified":"2025-11-05T17:01:55","modified_gmt":"2025-11-05T09:01:55","slug":"takaful-vs-conventional-insurance-which-once-should-you-choose","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/takaful-vs-conventional-insurance-which-once-should-you-choose","title":{"rendered":"Takaful vs Conventional Insurance: Which Once Should You Choose?"},"content":{"rendered":"\n<p>Choosing your car insurance in Malaysia can be confusing, especially for first time-users. The common confusion would be whether we should be using Takaful or conventional insurance?. Both are valid for roadtax renewal, However, they differ in certain aspects such as concept, structure &amp; benefits. This guide will assist you in making an informed decision knowing the difference between takaful vs conventional insurance.<\/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-69d48b8c75357\" 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-69d48b8c75357\"><\/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-vs-conventional-insurance-which-once-should-you-choose\/#Takaful_Insurance_What_is_it\" title=\"Takaful Insurance, What is it?\">Takaful Insurance, What is it?<\/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-vs-conventional-insurance-which-once-should-you-choose\/#Conventional_Insurance_What_is_it\" title=\"Conventional Insurance, What is it?\">Conventional Insurance, What is it?<\/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-vs-conventional-insurance-which-once-should-you-choose\/#Comparison_between_Takaful_vs_Conventional_Insurance\" title=\"Comparison between Takaful vs Conventional Insurance\">Comparison between 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-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/takaful-vs-conventional-insurance-which-once-should-you-choose\/#Factors_to_Consider_for_Takaful_vs_Conventional\" title=\"Factors to Consider for Takaful vs Conventional\">Factors to Consider for Takaful vs Conventional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/takaful-vs-conventional-insurance-which-once-should-you-choose\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Takaful_Insurance_What_is_it\"><\/span><strong>Takaful Insurance, What is it?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"50928\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/takaful-vs-conventional-insurance-which-once-should-you-choose\/attachment\/6-2-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"6-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" \u201cInfographic comparing definitions of Takaful insurance (mutual assistance, Shariah-compliant) vs conventional insurance (business model, risk transfer).\u201d\" class=\"wp-image-50928\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/6-2.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Takaful is Shariah compliant insurance. Participants would contribute to a common fund which then will be used by other members if an accident occurs. This concept is borne from mutual assistance(ta\u2019awun) and is interest free (free of riba)<\/p>\n\n\n\n<p>Key features:<\/p>\n\n\n\n<ul><li>Shariah Compliant and approved by the council of Shariah Advisory<br><\/li><li>Fund is shared among participants.<br><\/li><li>Surplus may be redistributed back to participants.<br><\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conventional_Insurance_What_is_it\"><\/span><strong>Conventional Insurance, What is it?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Typically Conventional insurance follows a business model. You pay a premium to the insurer, and the company takes on the financial risk.<\/p>\n\n\n\n<p>Key features:<\/p>\n\n\n\n<ul><li>Not Shariah-compliant.<br><\/li><li>Premiums are seen as a \u201ctransfer of risk.\u201d<br><\/li><li>Profits stay with the insurance company.<br><\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Comparison_between_Takaful_vs_Conventional_Insurance\"><\/span><strong>Comparison between Takaful vs Conventional Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Takaful<\/strong><\/td><td><strong>Conventional Insurance<\/strong><\/td><\/tr><tr><td><strong>Concept<\/strong><\/td><td>Mutual assistance, Shariah compliant<\/td><td>Business model, not Shariah-compliant<\/td><\/tr><tr><td><strong>Fund<\/strong><\/td><td>Shared by participants<\/td><td>Controlled by the company<\/td><\/tr><tr><td><strong>Surplus<\/strong><\/td><td>Redistributed to participants<\/td><td>Kept by the company<\/td><\/tr><tr><td><strong>Suitability<\/strong><\/td><td>For Muslims &amp; non-Muslims<\/td><td>For all drivers<\/td><\/tr><tr><td><strong>Price<\/strong><\/td><td>Generally similar<\/td><td>Generally similar<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"50929\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/takaful-vs-conventional-insurance-which-once-should-you-choose\/attachment\/7-2-3\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"7-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" \u201cVisual comparison of Takaful vs conventional car insurance in Malaysia: concept, fund management, surplus, suitability, and price.\u201d\" class=\"wp-image-50929\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/7-2.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Factors_to_Consider_for_Takaful_vs_Conventional\"><\/span><strong>Factors to Consider<\/strong> for Takaful vs Conventional<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Religious Preference<\/strong> \u2013 If Shariah compliance matters, Takaful is the clear choice.<br><\/li><li><strong>Cost<\/strong> \u2013 Both can be compared with the different benefits they provide.<br><\/li><li><strong>Extra Benefits<\/strong> \u2013 Both types offer Roadside assistance and also provide for additional perks<br><\/li><li><strong>Customer Experience<\/strong> \u2013 Different customers, different experience. There are even non-muslims who prefer Takaful over conventional.<\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"50930\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/takaful-vs-conventional-insurance-which-once-should-you-choose\/attachment\/8-2-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"8-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" \u201cChecklist infographic showing main factors in choosing Takaful or conventional car insurance: religion, cost, benefits, customer reviews.\u201d\" class=\"wp-image-50930\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/8-2.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Both Takaful and conventional have their advantages. If faith-based compliance is a priority, Takaful is the way to go, or you can opt out for conventional insurance that also provides legal coverage. The only thing that matters is making sure your policy is active so you\u2019re able to renew your roadtax drive off without worry.<\/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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=takaful-vs-conventional-insurance-which-once-should-you-choose\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insuran-komprehensif-renew-roadtax-online-platform-terbaik\">Insuran Komprehensif &amp; Renew Roadtax Online \u2013 Platform Terbaik<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance-with-battery-jumpstart-tyre-change\">Car Insurance with Battery Jumpstart &amp; Tyre Change<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-renew-car-insurance-on-myeg\">How to Renew Car Insurance on MyEG<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Choosing your car insurance in Malaysia can be confusing, especially for first time-users. The common confusion would be whether we should be using Takaful or conventional insurance?. Both are valid for roadtax renewal, However, they differ in certain aspects such as concept, structure &amp; benefits. This guide will assist you in making an informed decision&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/takaful-vs-conventional-insurance-which-once-should-you-choose\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Takaful vs Conventional Insurance: Which Once Should You Choose?<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":50927,"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":[429,2784,59,88,203],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Takaful vs Conventional Insurance: Which Once Should You Choose? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Takaful vs Conventional Insurance: Which Once Should You Choose? 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