0–5 Min
Conventional motor insurance — Comprehensive, Third Party Fire & Theft, or Third Party. We accept and lodge all three.
Islamic motor takaful — Comprehensive, Third Party Fire & Theft, or Third Party. Shariah-compliant, same protection.
Of the registered vehicle owner. Original or clear photocopy.
Geran kereta — the registration card / VOC. Copy is fine.
Of whoever was driving. Matters for the unnamed-driver excess check.
Lodged within 24 hours. The slip is enough to start — the full report follows later.
Full damage view, engine and chassis numbers visible. Etiqa accepts dashcam footage as supporting evidence.
Your Etiqa Insurance policy schedule OR Takaful certificate. Helps confirm coverage tier.
| Benefit | Comp Insurance | Comp Takaful | Third Party |
|---|---|---|---|
| Accidental Own Damage | Yes | Yes | No |
| Third-Party Liability | Yes | Yes | Yes |
| Free Towing Distance (EAA) | Up to 200 km | Up to 200 km | RM200 limit |
| Standard Excess | From RM 500 | From RM 500 | N/A |
| Unnamed Driver Excess (under 21) | + RM 400 | + RM 400 | N/A |
| Loss Of Use (add-on) | RM 200/day | RM 200/day | No |
| Knock-For-Knock Claim Option | Yes | Yes | No |
| Coverage Area | MY + SG + Brunei | MY + SG + Brunei | MY + SG + Brunei |
Vehicle photographed, documents collected, claim system entry on the same day.
Claim submitted to Etiqa Insurance or Takaful via panel workshop system.
Independent adjuster visits our workshop, inspects damage, prepares report.
Etiqa approves claim. Offer letter received. Green light to start repair work.
Panel beating, parts, spray paint, alignment, QC, handover and discharge voucher.
No. As an Etiqa-approved panel workshop in Johor Bahru, we lodge the claim with Etiqa on your behalf when you bring the vehicle in — for both Etiqa Insurance and Etiqa Takaful covers. The only call you might want to make is to Etiqa Auto Assist (1-800-88-6491) if you need free towing under your policy. Or just call us and we’ll coordinate it.
From your perspective and our workshop’s perspective, no — the process is essentially the same. The underlying contract is different (conventional insurance vs Shariah-compliant takaful), and the paperwork form path differs, but vehicle in, claim lodged, repair done, vehicle out — identical experience. We handle both at our JB workshop.
If the other party was clearly at fault (proven by the police report), a Knock-for-Knock Own Damage Claim with Etiqa is usually the faster route. You pay your excess upfront, Etiqa pays us for the repair, then Etiqa recovers from the at-fault insurer. Crucially, your No Claim Discount (NCD) is preserved. We help you decide on intake at our Johor Bahru workshop.
It depends on the claim type. If you’re at fault and don’t have NCD Protection, your NCD will reset at renewal. If you’re not at fault and we lodge a Knock-for-Knock claim, your NCD stays intact. Add-on benefit claims (like windscreen) also don’t affect NCD.
The standard excess on most Etiqa Comprehensive policies is from RM 500. If the driver is under 21 and not the named insured, an additional RM 400 unnamed-driver excess applies. Some Etiqa plans waive excess entirely for drivers aged 21+. Check your policy schedule for the exact figure. You pay the excess on collection — we settle the rest with Etiqa.
Typically 2–4 weeks from intake for a private car. Breakdown: same-day lodgement, 3–10 days for the Etiqa adjuster visit and approval, then 2–4 weeks for the actual repair depending on parts and damage scope. See our day-by-day claim timeline above for details.
Third Party policies don’t cover your own panel repair — only damage you caused to other parties. If the accident wasn’t your fault, we can help you claim from the at-fault party’s insurer (a third-party claim). Bring everything to us and we’ll work out the route.
Yes. Our Johor Bahru workshop handles commercial vehicles — box lorries, tippers, prime movers, vans. Etiqa’s commercial motor coverage process is similar to private car for our intake and lodgement, for both Insurance and Takaful.
Yes — we serve all major JB neighbourhoods including Skudai, Iskandar Puteri, Pasir Gudang, Tampoi, Tebrau, Kulai, Johor Jaya, Permas Jaya, Senai, Kempas and JB City Centre. We also coordinate free towing under your Etiqa Auto Assist cover from up to 200km away.
Yes. While the vehicle is at our Johor Bahru workshop, call or WhatsApp us anytime for a status update. We’ll tell you exactly where your claim sits — adjuster scheduled, awaiting approval, parts ordered, in repair, ready for collection. No need to chase Etiqa’s claim line separately.
