Untrue. Currently PROSBOC has more FL/FLX active members than BLM Out there so many car clubs, and those irresponsible buggers having those stickers on their windshield going everywhere provoke street racing, which I do not wish to be categorized with them. This is part of the reason why I do not join those clubs. Other than that, politics inside car clubs is much complicated than our ruling government & the oppositions. You'll probably thinking we're all car enthusiast, apamau susah² go and rush for a president place? Enjoy the club benefit lar taiko. The truth is, if everybody also laid back lidat, the club wouldn't have activity at all. Might as well no need to join. In order to create activity, 1 must create motivation. Money is a good motivation, but it's complicated when money is involved.

1) You do not announce to the whole wide world if you lost your key.
2) Once you realized your lost car key, immediately duplicate a copy from the spare and use the duplicate ONLY.
3) If it's a theft loss, you can't claim with a spare key. Hence, you only use the duplicate key, keep the spare key at home as original. In any event, you can use the spare(original) at home to duplicate another key.
4) Report polis upon lost of key
5) Get original replacement key, reset immobilizer and alarm coding. From what I heard, it costs up to RM600 do reset the whole thing(include RM200 for original key + immo chip)
6) Report polis upon completion of alarm & immobilizer reset.

7) Finally, send in polis report from 4, photocopy receipt from 5, polis report from 6 to your insurance company. Report as none claim accident notification. Just to tell them you have lost the key, changed the alarm code and immobilizer. They shall not void your insurance claim by any chance

The above are CORRECT way for proper insurance coverage. As for bawah pokok style:

1) Get a replica for RM35
2) Duplicate immobilizer chip RM90
3) Drive with duplicate key only, safeguard the spare key
4) Don't tell anyone, don't mention it.
5) If so happen kena theft loss, use the spare key to claim insurance. The rest of the story, you pandai pandai make it up. I don't wanna kena tahan because teaching people to make fraud claim