Malaysia Takaful Insurance

Write up your insurance profile
    Make a list of relevant information on yourself and your vehicle. Examples are the type of vehicle you drive, where you drive your vehicle, the names of other people who drive your vehicle, where you live, optional safety features your vehicle has and your driving record.
   
Shop around
    Get quotations from more than one agent. Even though motor insurance rates are tariff-rated, do a little homework first. Shop around and select your insurer carefully. Your insurer should offer both fair price and excellent service.
   
Ask questions
    Ask about possible premium reduction. By accepting a higher excess amount, certain insurer would be willing to reduce or waive the loading imposed, thus resulting in a lower premium.

    Ask about available discounts, such as for drivers with no at-fault accidents over a certain period of time, for good students, for non-smokers and for safety devices installed in your vehicle.
   
Know your need
    Avoid optional forms of insurance coverage if you don't need them. For example, if you already have a good health insurance plan, you may want to decline optional coverage for medical payments.
   
Read your policy
    Yes! Even the fine print. Ask questions if you don't understand. Most people miss important issues addressed in their motor policy.