We have It For You


Claim Procedures-Windscreen Glass Breakage (Make Sure its Insured)

Type of Windshield/Windscreen Breakage
Dotted Breakage

Bull's Eyes 


Making an insurance claim may be a hassle for some people. We has come 
up with a simple guideline that could help you accelerate your claim process. 
Here's a simple to-do list that could guide you to pursue your insurance claim 
easily, minus the hassle:
AOwn Damage Claim
You can make an Own Damage claim towards loss / damages 
sustained to your vehicle on your own policy, if your vehicle is 
protected by a comprehensive motor insurance policy.
Report to the police within 24 hours as required by Law.
Send your vehicle to an authorized workshop for immediate attention. 
Check with your insurance company on the list of panel authorized 
Collect the claim form from your insurance company, complete 
and sign accordingly, and submit together with copy of the following 
documents within 14 days.
Original police report
2.Repairer's estimated cost of repairs
3.Copies of:
-Insurance Policy / Cover note
-Vehicle registration card
-Road tax disc
-Identity card and driving license of the vehicle owner
-Identity card and driving license of the driver
-Hire purchase agreement (if applicable)
You are encouraged to provide your hand phone number 
during claims notification, as you will receive SMS notifications 
informing you the status of your Own Damage claim instantly.
Your NCD will be forfeited when you make an Own Damage claim.
 No-Fault Own Damage Claim
No-Fault Own Damage claim is similar to an Own Damage claim with 
exception that your NCD will not be forfeited. Introduced by Persatuan 
Insurans Am Malaysia (PIAM) effective June 2001 in order to expedite 
the claim process, this claim is applicable only when the accident is 
deemed not your fault. This is determined by the circumstances of the 
accident and through the police investigation report 
(ie Police compound/findings, sketch plan and key) to support the claim. 
The claim is made only with regards to damages to your vehicle 
excluding compensations such as loss of use.
 Follow the procedure as outlined in "Own Damage Claim".
In addition to the documents to be submitted with your claim form,
 please enclose the following documents :

***Above is the standard claim procedures which so-called hassle
free. Cut all the crap ..call us at 019 6011160, we will assist on
documentation, replace the windscreen in less than two hours with
your tinted back. Just drive in and two hours later its all done..
this is hassle free


Claim Procedures- Auto Accident Claim

Getting into a road accident is unnerving, but you need to know what to do in case it happens. There are 3 main 
steps in making a road accident police report. Step 1 is when those involved in the accident come forward to 
make a police report. Step 2 involves police investigation and vehicle examination, and Step 3 is the preparation
 of investigation documents. Let us take you through it step by step:
Step 1
Each road accident must be reported to the police. Those involved will need to go to a police station and make 
a report, which will be written down on a piece of paper, either by you or the police officer on duty. You can also 
contact the police station by phone at the scene of the accident.

Information that will need to provide in your police report are:
• The date, time and location of the accident. Do note any major landmarks.
• The contact details and vehicle registration numbers of the parties involved, as well as the colours 
of the vehicles.
• Details of the vehicles, victims (if any) and any damage to the vehicles and public property.
• Your observations before, during and after the accident occurred. If you’re not certain, do not make 
Step 2
After the police report has been made, you will be referred to a traffic investigations officer. Preliminary 

investigations may include recorded interviews, identification of the scene of the accident, thorough 
examination of the vehicles involved and classification of the case. The latter will depend on testimonies, 
facts and data collected during the investigation. The classifications include:
• Refer to Insurance In accidents involving small vehicles that did not result in death or injury, and caused 
only minor damage to the vehicles involved, the investigating officer will declare that no further investigation 
is required and the vehicle owners can refer to their insurance companies and make civil claims.
• Further investigation 
For serious accident cases, detailed investigations will be conducted and an investigation file will be opened. 
After all the testimonies of those involved have been obtained, charges may be pressed against the guilty party
• Compound 
For traffic offences that can be compounded, a summons notice will be issued to the guilty party. Payment of the compound will need to be made at a Traffic Police counter via the Compound on Line Payment System (COPS).
• Court action
If the compound is not paid on time, the guilty party must appear in court on the date specified in the summons 
Step 3
A copy of the police report can be purchased at a rate determined by the authorities after 14 days from 

the date the report was made. For other documents such as photos and recorded interviews, it will depend 
on the status of the case. Any inquiries can be made to the district police, where the investigation is being 

Example of a road accident police report:

And here how the discharge voucher look like after your car been repaired

But if you want to BYPASS most step as above, right after met an accident call us at
019 6011160 and we tow, we help on documentation (inc. police report), we repaired
(at Etiqa best panel workshop) and we delivered to your doorstep..for FREE

Chapter Three-Life Plan - Saving + Protection by Etiqa

Well..as we all know, there is so many Life insurance in the market today. We might get confused as
well. The standard and recommended Life  insurance coverage which cover Death and Total Permanent Disability should also comes with Hospitalisation benefit

To get admitted with ease and having welcomed like VIP, we need an medical card attached to our Life
Insurance. We may also been persuade to have additional coverage such as Accidental Indemnity,Critical illness, Hospital cash benefit and other extra benefit or in insurance term its called Rider.

In Malaysia, We has so many Insurances Companies which comes with so many health and life plan.
No idea which one is the ideal for us , then here is some idea to share with. What is the best plan..as
abovementioned, its Life Insurance Coverage with Medical Card right? and its shall have saving and protection plan as well..agree. Thought so,

Have you ever come across with a Life Insurance agent from any insurance company. Are their product is the best in the market today , no idea..What about Etiqa which recently had launched Harmoni Plan which combined saving and protection and attached with Medical card. Its allocated 82% from total premium to a special fund which will be invested. Other insurer might have the similar Life insurance package ,its just maybe the proportion slightly be more or less.

Then, what makes us better..no hidden cost,no delay while claim, less documentation,hassle free or no
this no that. Yes, it one of the reason. But as we know, Etiqa is one of Maybank Group subsidiaries.
Maybank Group is too big to compared with others. Rest assures, that we can get more profit sharing from the fund invested out of 82% derived from our premium. Look at the below table and that's what makes us better than other insurers in term of profit sharing or in other term as well.

 Kadar Keuntungan Pelaburan Kasar tahunan semasa dari DPP:        
 Tahun Kewangan   Kadar
 1 Jul 2009 hingga 30 Jun 2010 5.40%
 1 Jul 2008 hingga 30 Jun 2009 5.30%
 1 Jul 2007 hingga 30 Jun 2008 6.50%    


Chapter Two-Life Plan - Saving + Protection by Etiqa

Harmoni Plan

Securing a Better Lifestyle While Protecting Your Family's Future
That's the tagline which quite common.. but here we provide you some sample plan here so that 
we can understand how much we or our loved ones benefiting from Harmoni Plan. We can 
summarised this plans as More Saving Than Protection which the ratio is 82% Saving and 18% 
Protection. RM82.00 of each RM100.00 premium paid are for saving and invested in special fund 
while only RM18.00 is allocated for protection...sound good..yes it is.

Lets see some example here:

Without Medical Card
Entry Age        Monthly Premium        Cash Value                      Sum Insured      
22                  150.00                         Y2   RM643.00                 Y2     RM85,468 
                                                        Y45 RM177,582.00           Y45  RM262,407.00

*Cash value can be withdrawn up to 80% each time.
*At its matured year, the total cash value is RM177,582.00 and your sum covered on Death/TPD 
is RM262,407.00

With Medical Card-Room&Board RM150.00/Limit RM50,000 Annually
Entry Age        Monthly Premium        Cash Value                      Sum Insured      
22                    150.00                       Y2   RM477.00                 Y2     RM64,514.00 
                                                        Y45 RM133,386.00           Y45  RM197,900.00

*Cash value can be withdrawn up to 80% each time.
*At its matured year, the total cash value isRM133,386.00 and your sum covered on Death/TPD 
is RM197,900.00
*Hospitalisation cost shall be cover and the complete benefit shall be included in schedule 
benefit and the medical card is widely accepted by many Major Hospital

Medical Card Sample Attached to Life Plan

Chapter One-Life Plan - Saving + Protection by Etiqa

This what we need

Have you all ever come across with this signage " INSURANCE AGENT IS NOT ALLOWED".
Those days, insurances agent regarded as nuisance and disturbance especially Life Agents.Many of us who had bought Life Insurances are familiar with the term 'LAPSE'. We have Great Eastern, Aetna Universal and many more, providing Death Benefit but somehow many of us paid for first few month or so but later discontinue due to many reasons.

While if we ask pakcik or makcik...owh its HARAM and all.

Forget those old days which we can assumed that all Life Plan seems benefiting the Insurance 
Companies due to lack of knowledge or maybe its was drafted such way towards that. These 
days relatively different, Life agents are welcomed and sometimes was invited to addressed
all loopholes and question. They are regarded as Financial Planner. They can plan your financial
needs even by selling insurance products. Many Life Plan these days are having saving and protection,all in one plan. In the market, we have Life Plan which can cover your life from day one. Its has coverage you kids education, your spouse/s or your interests in shared company. We don't know much about other insurer Life Plan but we about to share is the latest Life plan by Etiqa Takaful Berhad which one of Maybank Group subsidiaries..how big the Maybank Group is..

Maybank Group financials (FY ending 30 June 2010)

Total Assets = RM336.7 billion (USD105.9 billion)
Net Profit = RM3.82 billion (USD1.2 billion)

To be continued