Etiqa vs Kurnia Car Insurance (2026)
Malaysia's two most budget-friendly insurers — but they serve very different needs.
Choose Etiqa if…
- ✓ You want cheapest comprehensive in Malaysia
- ✓ You want fully digital claims process
- ✓ You want takaful option
- ✓ Your car is worth RM30,000+
Choose Kurnia if…
- ✓ You only need third-party coverage
- ✓ Your car is old (under RM15,000 value)
- ✓ You want the absolute lowest premium
- ✓ You rarely make claims
Head-to-Head Comparison
| Criteria | Etiqa | Kurnia |
|---|---|---|
| Overall Rating | ✓ 4.5 / 5.0 | 3.8 / 5.0 |
| Comprehensive Price | ✓ Cheapest in Malaysia | Below average |
| Third-Party Price | Very competitive | ✓ Cheapest option |
| Digital Claims | ✓ Fully digital, 3–5 days | Manual, 7–14 days |
| Panel Workshops | ✓ 800+ | 400+ |
| Add-Ons Available | ✓ Comprehensive range | Basic only |
| Takaful Option | ✓ Etiqa Takaful available | Conventional only |
| Best For | Comprehensive coverage | Third-party + old cars |
Price Comparison — Popular Models
Comprehensive coverage estimates with 55% NCD, Peninsular Malaysia.
| Car Model | Etiqa | Kurnia |
|---|---|---|
| Perodua Myvi 1.5 | RM780–950 | RM820–1,000 |
| Honda City 1.5 | RM900–1,100 | RM950–1,150 |
| Toyota Vios 1.5 | RM850–1,050 | RM900–1,100 |
| Proton Saga 1.3 | RM620–780 | RM660–820 |
| Perodua Axia 1.0 | RM560–700 | RM590–730 |
Our Verdict
For comprehensive coverage: Etiqa wins clearly. Cheaper premiums, digital claims, faster processing, and more add-ons. There is almost no reason to choose Kurnia comprehensive over Etiqa.
For third-party only: Kurnia is marginally cheaper and works fine for old cars where you just want legal coverage. The savings are small (RM20–50/year) so Etiqa's better service is often worth the slight premium.
Bottom line: Etiqa is the better insurer in almost every scenario. Kurnia is only worth considering for very old cars (under RM10,000 value) on third-party only.
FAQs
Is Etiqa or Kurnia cheaper for car insurance?
For third-party coverage, Kurnia is typically 5–10% cheaper than Etiqa. For comprehensive coverage, Etiqa is consistently the cheapest in Malaysia — often 15–25% cheaper than mid-tier insurers. If you want comprehensive, choose Etiqa. If you only need third-party, compare both.
Which is better — Etiqa or Kurnia for comprehensive insurance?
Etiqa is significantly better for comprehensive insurance. Etiqa offers a fully digital claims process, faster processing (3–5 days vs Kurnia's 7–14 days), and more add-on options. Kurnia's comprehensive is basic by comparison but works if price is your only priority.
Does Kurnia have good claims service?
Kurnia's claims service is adequate but slower than Etiqa. Claims typically take 7–14 business days. Their workshop network is smaller than Etiqa. For straightforward accidents, Kurnia processes claims without major issues — but for complex claims, Etiqa's digital system is much smoother.
Can I switch from Kurnia to Etiqa when renewing?
Yes — you can switch insurers at renewal without losing NCD. Your NCD is attached to your vehicle registration, not your insurer. Simply get a quote from Etiqa when your Kurnia policy expires and switch if the price is better. Compare on Bjak to see both quotes side by side.
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