Insurance sellers enjoice? Sure need to handle existing customers' complaints. Sure kena diu if people assume comprehensive covers flooding and now they are staring at RM20k repair bill.

Might as well buy a new car
Why bodoh repair

Next time just buy axia cash

Car is just transport

Save money invest in watch

My client renewed all 3 of her car with me every year for the past 5 years
Everytime i send quotation i will include Flood Cover as well, but she always proceed with basic cover+windscreen cover only

All 3 cars fully submerged last weekend.. dunno how she gonna deal with it..

Smaller insurance company might go bust if they do that. Not to mention motor insurance is already a losing business for most insurers.

That would be unfair too. The best is to start implementing merit system. More discount for careful driver, more loading for reckless driver.

I understand what you mean. Hence my response instead of increasing the premium across the board to recover the losses, they should consider punishing people who “cause” the premium to be high at the first place, which are the reckless drivers.