How to avoid double fire insurance charge, particularly for Maybank? Anyone with any experience?

The situation is such. Maybank claim they will automatically take up fire insurance for all customers. For those who want to buy their own insurance or covered by JMB / MO, they ask to provide proof then will give refund. This also applies for under construction property.

However, my experience with RHB is, as long as I submit my annual fire insurance, they will not charge me.

So why is Maybank saying they will charge upfront every year and then we claim a refund later? Seems unnecessarily extra work.

Can anyone share any tips how to get around this?