AXA is a good company, road assist and claims are reputable. The only thing would be the market value of certain make/model of cars. Now in the market you can compare for market value and premium pricing.

Unless you have been renewing your insurance with Tan Chong then the value would be as what TC suggests.

That's great ! betterment up to 10 years is very important. and TC normally recommend a high agreed value for Nissan/ Inifiniti cars.

Normally if you do not renew with franchise the betterment for spare parts would be 5 years while franchise can offer up to 10 years. It means that up to 10 years you are entitled to new parts replacement in the event of a claim.

Different insurance companies will have their own betterment guidelines. In many cases, if you renew with agents, your betterment for new parts is only up to 5 years. While if you renew with franchise car dealerships, they normally offer up to 10 years to be more competitive in the market.