all the car insurance company also provide 10% additional discount if u self renew on9.
if u use 3rd party agent for u, that 10% bcoms their fees.

nowadays some car insurance hav incentive for u to drive less or more carefully.
ie, some car insurance required u to install their tracking device with gyro.
it knows when u speeding, cornering at high speed.
& will deduct your discount based on how careful u drive.

some car insurance, will giv u extra discount if your mileage dont go over x KM

AXA
u can opt in, but need to install their telemetry device at their panel workshop, FOC.

it's a bit pain in the ass though.
u go a bit over speed limit, minus point.
u corner fast a bit, minus point again.

good thing is u'll hav a free tracker which u can see your car gps location from your app.

yes, default discount for good driving, lesser & lesser discount if drive badly.

axa smartdrive.
i supposed, u can locate your car via GPS from anywhere as long as in m'sia?
the tracking device basically comes wit a sim card & GPS, & sends your driving telemetry bck to axa.

1 thing need to take note though, it's wired to the car battery, so more or less will drain your car battery faster.
& of your battery kong, or just unplugged to replace battery, axa will sms/call u to alert u.

no, everything is provided by axa.
u just hav to make appointment, drive your car to their panel workshop to get the device installed, FOC.