Years ago...

My windscreen is RM 4.5k quoted from Merc for a smart forfour. So, I went and bought a windscreen insurance for RM 3.5k due to lack of budget. The windscreen sold outside with installation for RM 1.6k. Lady boss open bill for RM 4.5k and chop paid. I submitted for claim and receipt and waited 2 weeks. After 2 weeks, the cheque for RM 3.5k came and and I earned RM 1.9k as profit.

Nowadays, cannot do like this. Insurance companies also know.