BTW is Promilej insured amount market value or agreed value?

I just checked on my KIA RIO. Can get a lot cheaper than my current AXA Smart Drive. Honestly I dont get how this AXA Smart Drive works because the apps showed the savings but it was not reflected when I clicked to renew. I have been using it because I thought it would save me money. Now even if I removed Smart Drive, the insurance price is the same as when I had it added. Really dumb to even drive carefully and yet it didnt affect my insurance cost.

Since the car is my spare car which I initially bought for my wife usage but become abandoned after she refused to drive few years later. Accumulated mileage is just 20k for a late 2015 car. Choosing the same option in AXA which includes RM31k insured valued, Riot, Flood, Legal liabilites, NCD relief and all drivers cost RM802 versus RM499 on Promilej. Too bad Promilej dont have betterment waiver since it only cost a further RM110 on AXA. Still had 2 months to consider.

Insurance market value.

bjak is no longer giving cheapest liao.

Somemore is compulsory to pay VIP claim fee.

To be honest, for my Macan and W223 in Singapore, because these cars are almost never driven across the causeway, I bought only the cheapest comprehensive cover for them. Singapore is safe and it’s one of the advantages of living here.

The same cannot be said of my Cayenne and 911 in Sydney. Those 2 are covered to the hilt under Allianz. One for one exchange if they get carjacked or stolen, provided they are parked under lock and key in my garage spaces within 500m of my house.