Life doesn’t come with a manual. We all crave control over our decisions, from choosing where to live to the routes we drive.
But too often, insurance plans seem like they’re written for someone else’s life.That’s exactly where Etiqa General Insurance steps in with its “Up To You” campaign.
It’s insurance reimagined—allowing you to personalise your plan by selecting add-ons that suit your unique lifestyle, so you only pay for the protection you need.
Flexibility for Your Unique Needs
Etiqa believes that the best coverage is one that fits your lifestyle.
If you’re someone who works from home and only uses your car on weekends, Etiqa’s Drive Less Save More add-on would be perfect for you, You are entitled to get up to 30% cash rebates when you hit the road less. Or, if you love going on roadtrips, you might want to add Extreme Weather Protection to protect your car from the unexpected rainstorms or floods.
Other add-ons let you focus on specific areas where you want peace of mind:
- Oto 360 Personal Accident Cover: Offers coverage for medical expenses, death, or disability due to accidents, protecting both the driver and passengers.
- Windscreen Coverage: For those small chips and cracks that can turn into bigger problems, this add-on covers windscreen repairs, letting you hit the road worry-free.
- Maintain Like New: Replace accident-damaged parts with brand-new spare parts at no additional cost, and get the entire car repainted instead of just the damaged area.
But, the flexibility to customise your coverage does not stop with car insurance.
Etiqa also brings this flexibility to TripCare 360 travel insurance and Houseowner and Householder (HOHH) Insurance.
For Travellers: Add-Ons That Match Your Adventures
Whether you’re taking a relaxing holiday or anticipating a thrilling adventure, Etiqa’s TripCare 360 Insurance add-ons let you prepare for the unexpected with ease:
- Adventurous Activities Coverage: Dreaming of scuba diving, bungee jumping, or skiing? This add-on ensures you’re protected during high-risk activities, giving you the confidence to make new memories.
- COVID-19 Coverage: Stay prepared with coverage for trip cancellations, interruptions, or medical expenses due to COVID-19.
From memorable family vacations to fun-filled friend trips, these add-ons are designed to keep your vacations going despite mishaps that may occur along the way.
For Homeowners: Add-Ons That Protect What Matters
Your home is more than just a building—it’s your sanctuary and one of your most valuable investments. Etiqa’s Houseowner and Householder (HOHH) Insurance add-ons help you go beyond basic protection with options tailored to your needs:
- Riot, Strike, and Malicious Damage: Protect your property from damage caused by unrest or acts of vandalism.
- Theft Without Forcible Entry: Covers theft even when doors or windows aren’t forcibly broken into, ensuring broader protection for your valuables.
- Increased Limit of Liability to the Public: Boost your coverage to up to RM250,000, providing financial protection if accidents on your property result in injury or damage to third parties.
- Increased Limit for Loss of Rent: Ideal for landlords, this add-on offers extra protection for rental income loss due to insured damages.
- Inoccupancy Exceeding 90 Days: Maintain your coverage for unoccupied homes during long trips or extended vacancies.
These add-ons make it easy to customise your home insurance based on how you live, ensuring you’re prepared for life’s curveballs.
Real-Life Scenarios: How Add-Ons Work For You
- Thrill-Seeking Traveller: Planning to go rock climbing or white-water rafting on your next adventure? Add Adventurous Activities Coverage to your TripCare 360 plan to ensure you’re protected during these adrenaline-pumping experiences.
- Landlord’s Assurance: If you’re renting out your property, the Increased Limit for Loss of Rent ensures you’re covered financially in case of damages that disrupt your rental income.
- Unoccupied Homes: Planning an extended vacation? Add Inoccupancy Exceeding 90 Days to keep your home fully protected while you’re away.
Making It Easy to Apply Online
What’s even better? With Etiqa, all these customisations are just a few clicks away.
Instead of spending hours on the phone or dealing with paperwork, you can personalise and apply for your coverage entirely online at Etiqa’s website.
Their simple, user-friendly platform lets you compare add-ons, choose your coverage, and apply—all without leaving your couch. By making insurance convenient and accessible, Etiqa ensures you get the protection you need with zero hassle.
Dispelling Common Myths
Etiqa understands that when it comes to insurance, cost is often top of mind. Some might assume that a custom plan means higher premiums, but Etiqa is here to break that myth.
With Up To You, you only pay for what you need—no hidden costs or unnecessary extras.
By giving you control over your add-ons, Etiqa’s plans can be surprisingly affordable, allowing you to strike the right balance between coverage and budget.
So, while some may assume customisable insurance is expensive, Etiqa’s transparent approach puts you in control.
Extra Peace of Mind with PIDM Protection
When you choose Etiqa, you’re also backed by the Takaful and Insurance Benefits Protection System (TIPS), administered by PIDM. This system, established by the government, protects the owners of eligible takaful certificates and insurance policies in case an insurer is unable to meet its obligations.
The benefits payable under eligible products are safeguarded by PIDM up to specific limits. For more information, please refer to PIDM’s TIPS Brochure or contact Etiqa General Insurance Berhad, or visit www.pidm.gov.my. As a member of PIDM, Etiqa offers its customers the added confidence of government-backed protection.
It’s All Up To You
The Up To You campaign isn’t just a catchy slogan—it’s Etiqa’s commitment to putting you in control.
Whether you’re looking to secure your car, your next adventure, or your home, Etiqa General Insurance offers you the freedom to build the coverage that feels right for you.
From protection against unexpected weather to peace of mind for your big adventures, Etiqa’s approach means your insurance, your way.
Ready to shape your insurance? Visit Etiqa or connect on social media at Instagram, Facebook, and TikTok to explore the add-ons and design a plan that’s all yours. Because when it comes to protecting what’s important, it really is up to you.
#EtiqaMalaysia #myetiqa #EtiqaUpToYou
