been using it for 2 iterations. for me, just do it since there is no extra cost, don't need think much, do whenever how frequent you want it. i do like maybe few months once. most important is, remember to submit at least once near your policy expiry.

nope...the percentage is for your reference, once you submit they will calculate accordingly. everytime you claim could be different throughout your one year.
could be 0% could be 10% could be 20% or 30% depending on how much you drive.

just treat it as bonus. and don't be calculative and create one more thing for you to worry/concern about.
we don't have this before, so anything is a bonus.

Macam cannot. The first time I missed it during Covid. By right, should be the best time to save. In fact, not I missed, I deliberately didn’t choose coz worried and not sure how it works lol. Then ragrets.