{"id":55102,"date":"2025-11-06T03:30:25","date_gmt":"2025-11-05T19:30:25","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55102"},"modified":"2025-11-06T03:30:28","modified_gmt":"2025-11-05T19:30:28","slug":"factors-to-consider-before-choosing-takaful-or-conventional","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/factors-to-consider-before-choosing-takaful-or-conventional","title":{"rendered":"Factors To Consider Before Choosing Takaful Or Conventional"},"content":{"rendered":"\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-69d46e80774c3\" 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-69d46e80774c3\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/factors-to-consider-before-choosing-takaful-or-conventional\/#Introduction\" title=\"Introduction:\">Introduction:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/factors-to-consider-before-choosing-takaful-or-conventional\/#1_Core_Values_and_Principles\" title=\"1. Core Values and Principles\">1. Core Values and Principles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/factors-to-consider-before-choosing-takaful-or-conventional\/#2_Premium_Pricing_and_Budget\" title=\"2. Premium Pricing and Budget\">2. Premium Pricing and Budget<\/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\/factors-to-consider-before-choosing-takaful-or-conventional\/#3_Claim_Process\" title=\"3. Claim Process\">3. Claim Process<\/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\/factors-to-consider-before-choosing-takaful-or-conventional\/#4_Add-On_and_Extra_Coverage\" title=\"4. Add-On and Extra Coverage\">4. Add-On and Extra Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/factors-to-consider-before-choosing-takaful-or-conventional\/#5_Customer_Support_and_Convenience\" title=\"5. Customer Support and Convenience\">5. Customer Support and Convenience<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/factors-to-consider-before-choosing-takaful-or-conventional\/#Conclusion\" title=\"Conclusion:\">Conclusion:<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It goes beyond just price. There are several <strong>factors to consider<\/strong> when choosing between Takaful and conventional insurance, as each offers unique advantages depending on your values and needs. With BJAK, you can easily compare both types \u2014 from Takaful Malaysia and Zurich to Allianz and Liberty \u2014 all in one transparent platform.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Core_Values_and_Principles\"><\/span><strong>1. Core Values and Principles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you value Shariah-compliant protection, Takaful emphasizes mutual help and shared responsibility. Surplus funds are redistributed to participants.<br>Conventional insurance, on the other hand, focuses on company profit and policy flexibility.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Premium_Pricing_and_Budget\"><\/span><strong>2. Premium Pricing and Budget<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Generally, conventional insurance tends to be slightly cheaper than Takaful.<br>However, Takaful provides extra value through surplus sharing and transparent fund management.<br>On BJAK, you can compare real-time quotes \u2014 sometimes the price difference is less than RM50 a year.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Claim_Process\"><\/span><strong>3. Claim Process<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Takaful claims may take a little longer due to Syariah review processes.<br>Meanwhile, conventional providers like Allianz and Liberty are known for their quick claim turnaround and wide panel workshop networks.<br>That said, Zurich Takaful and Takaful Malaysia have also modernized their digital claim systems to compete closely with conventional insurers on BJAK.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Add-On_and_Extra_Coverage\"><\/span><strong>4. Add-On and Extra Coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Conventional insurers usually offer more add-on options \u2014 like windshield, flood, or lost key protection.<br>Takaful offers similar add-ons, but with a clearer ethical structure \u2014 great for those who value fairness and transparency in protection.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Customer_Support_and_Convenience\"><\/span><strong>5. Customer Support and Convenience<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Allianz offers Road Rangers, Liberty has Auto Assist, while Takaful participants enjoy BJAK\u2019s VIP Road Assist under comprehensive plans.<br>Whatever your choice, make sure your plan isn\u2019t just cheap \u2014 it should also give you peace of mind when emergencies happen.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"55159\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/factors-to-consider-before-choosing-takaful-or-conventional\/attachment\/4-24-4\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-24.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=\"4-24\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-24.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-24.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\/11\/4-24.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic with five icons showing the main factors to consider before choosing between Takaful and conventional car insurance on BJAK.\" class=\"wp-image-55159\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-24.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-24.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-24.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-24.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-24.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ultimately, what matters most to you \u2014 price, efficiency, or ethics \u2014 are key <strong>factors to consider<\/strong> when choosing a plan.<br>With BJAK, you can easily compare all providers in one place and select a plan that truly fits your needs, lifestyle, and budget for 2025.<\/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=factors-to-consider-before-choosing-takaful-or-conventional\" 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\/delaying-car-service-can-void-your-warranty\">Delaying Car Service Can Void Your Warranty?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tips-to-save-on-insurance-roadtax-online\">Tips to Save on Insurance &amp; Roadtax Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-myjpj-is-physical-still-required\">Roadtax MyJPJ: Is Physical Still Required?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Still unsure whether to go with Takaful or conventional insurance? Here are five key factors to help you decide which plan suits you best \u2014 from pricing and values to long-term benefits, all compared transparently through BJAK.<\/p>\n","protected":false},"author":31,"featured_media":55158,"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":[429,2784,203],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Factors To Consider Before Choosing Takaful Or Conventional | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Factors To Consider Before Choosing Takaful Or Conventional Understand The Difference Of Value For Your Car\" \/>\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\/factors-to-consider-before-choosing-takaful-or-conventional\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Factors To Consider Before Choosing Takaful Or Conventional | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Factors To Consider Before Choosing Takaful Or Conventional Understand The Difference Of Value For Your Car\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/factors-to-consider-before-choosing-takaful-or-conventional\" \/>\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=\"2025-11-05T19:30:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T19:30:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-24.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 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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