{"id":55972,"date":"2025-11-14T17:22:54","date_gmt":"2025-11-14T09:22:54","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55972"},"modified":"2025-11-15T00:19:24","modified_gmt":"2025-11-14T16:19:24","slug":"difference-between-takaful-conventional-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/motor-takaful\/difference-between-takaful-conventional-insurance","title":{"rendered":"Difference Between Takaful &#038; Conventional Insurance"},"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-69d7b75297f6e\" 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-69d7b75297f6e\"><\/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\/motor-takaful\/difference-between-takaful-conventional-insurance\/#Introduction\" title=\"Introduction\">Introduction<\/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\/motor-takaful\/difference-between-takaful-conventional-insurance\/#1_Basic_Concepts\" title=\"1. Basic Concepts\">1. Basic Concepts<\/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\/motor-takaful\/difference-between-takaful-conventional-insurance\/#2_Differences_in_Claims_Process\" title=\"2. Differences in Claims Process\">2. Differences in Claims Process<\/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\/motor-takaful\/difference-between-takaful-conventional-insurance\/#3_Benefits_Additional_Features\" title=\"3. Benefits &amp; Additional Features\">3. Benefits &amp; Additional Features<\/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\/motor-takaful\/difference-between-takaful-conventional-insurance\/#4_Why_BJAK_Makes_Policy_Selection_Easy\" title=\"4. Why BJAK Makes Policy Selection Easy\">4. Why BJAK Makes Policy Selection Easy<\/a><\/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\/motor-takaful\/difference-between-takaful-conventional-insurance\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding the <strong>difference between takaful &amp; conventional<\/strong> insurance can be confusing for drivers in Malaysia. While both provide coverage, their approaches, concepts, and claims processes differ. BJAK simplifies this by allowing users to compare all policies online, add relevant add-ons, and manage renewals efficiently.<\/p>\n\n\n\n<ul><li>Check all policies online<br><\/li><li>Compare benefits and premiums<br><\/li><li>Add add-ons like VIP Rescue, Key Care, and Warranty<br><\/li><\/ul>\n\n\n\n<p>This article explains the main differences and how BJAK makes selecting a policy easier.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Basic_Concepts\"><\/span><strong>1. Basic Concepts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Takaful:<\/strong> Based on risk-sharing and Shariah-compliant principles. Participants contribute to a <strong>tabarru\u2019 fund<\/strong> to help other members.<br><\/li><li><strong>Conventional Insurance:<\/strong> Based on traditional insurance contracts, where premiums are paid to the insurer for individual protection.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Differences_in_Claims_Process\"><\/span><strong>2. Differences in Claims Process<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Takaful:<\/strong> Claims are paid from the <strong>tabarru\u2019 fund<\/strong>. Participants are part of a risk-sharing group rather than individual policy buyers.<br><\/li><li><strong>Conventional:<\/strong> Claims are paid by the insurance company based on individual policies. Usually involves damage assessment before payment.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Benefits_Additional_Features\"><\/span><strong>3. Benefits &amp; Additional Features<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>BJAK offers add-ons compatible with both policy types:<\/p>\n\n\n\n<ul><li><strong>VIP Rescue:<\/strong> Unlimited distance towing within BJAK\u2019s area for one assistance per subscription.<br><\/li><li><strong>Key Care:<\/strong> Reimbursement for key replacement costs up to a certain limit with a police report and original receipt.<br><\/li><li><strong>Warranty:<\/strong> For cars up to 15 years old, covering engine and transmission damage once up to RM1,000.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Why_BJAK_Makes_Policy_Selection_Easy\"><\/span><strong>4. Why BJAK Makes Policy Selection Easy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Instant Comparison:<\/strong> View all takaful and conventional policies in one platform.<br><\/li><li><strong>Add-Ons After Policy Selection:<\/strong> Flexible according to user needs.<br><\/li><li><strong>Check &amp; Renew Roadtax Together:<\/strong> No need to visit Pos Malaysia or JPJ; digital roadtax is available.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56023\" data-permalink=\"https:\/\/bjak.my\/blog\/motor-takaful\/difference-between-takaful-conventional-insurance\/attachment\/4-94-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.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=\"4-94\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the basic differences between takaful and conventional insurance, including concepts, claims processes, and BJAK add-ons.\n\" class=\"wp-image-56023\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-94.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<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>Although takaful and conventional insurance differ in concepts and claims, BJAK makes understanding the <strong>difference between takaful &amp; conventional<\/strong> simple, fast, and transparent. Drivers can fully protect their cars without hassle by accessing multiple policies, selecting optional add-ons, and renewing roadtax digitally.<\/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=difference-between-takaful--conventional-insurance\" 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\/motor-takaful\/choosing-a-car-takaful-plan-for-shariah-compliance\">Choosing a Car Takaful Plan for Shariah Compliance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/differences-between-local-international-car-insurance\">Differences Between Local &amp; International Car Insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/differences-between-roadtax-car-insurance-policy\">Differences Between Roadtax &amp; Car Insurance Policy<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A simple guide to understand the difference between takaful and conventional insurance, including how BJAK makes it easy to choose the best policy for your car.<\/p>\n","protected":false},"author":31,"featured_media":56022,"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":[1876],"tags":[429,1887],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Difference Between Takaful &amp; Conventional Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Motor Takaful | Read about: Difference Between Takaful &amp; Conventional Insurance . 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